Search found 81 matches

by biscuits
Thu May 20, 2021 12:38 am
Forum: Personal Finance (Not Investing)
Topic: skip Medicare B and D?
Replies: 38
Views: 4223

Re: skip Medicare B and D?

This isn't exactly what you asked, but in case it's helpful: While Medicare doesn't cover out-of-country medical expenses, many supplemental plans offer a lifetime limit $50,000 benefit for out-of-country coverage, paying 80% of the cost per event. Our supplemental plans only cover international tri...
by biscuits
Thu May 20, 2021 12:27 am
Forum: Personal Consumer Issues
Topic: Low cost US cellular plan covering Canada
Replies: 10
Views: 604

Re: Low cost US cellular plan covering Canada

We spend a lot of time in the Maritimes, and have a Verizon plan that includes unlimited calling within and between Canada and the US, plus a lot of data. Coverage in New Brunswick and Nova Scotia is great. But the plan is not low-cost (about $160/month for 3 lines). I cringe every time I pay this b...
by biscuits
Sun May 16, 2021 1:21 am
Forum: Personal Finance (Not Investing)
Topic: How much would you budget for a typical wedding?
Replies: 136
Views: 9102

Re: How much would you budget for a typical wedding?

My plan is to use an Airbnb to save significantly on venue fees and ignore a lot of traditional “wedding stuff”. Especially anything marketed to weddings specifically. As long as there’s good food, decent booze, and lots of music, that’s enough for us. Most Airbnbs that I have seen prohibit parties...
by biscuits
Mon Mar 29, 2021 11:29 pm
Forum: Personal Consumer Issues
Topic: What to do with 20 year old Bosch Dishwasher
Replies: 33
Views: 2353

Re: What to do with 20 year old Bosch Dishwasher

Thanks so much, inbox 788! Very helpful links!
by biscuits
Mon Mar 29, 2021 5:12 pm
Forum: Personal Consumer Issues
Topic: What to do with 20 year old Bosch Dishwasher
Replies: 33
Views: 2353

Re: What to do with 20 year old Bosch Dishwasher

The only maintenance I might do is what I do with the washing machine. Occasionally run a cleaning cycle with bleach or vinegar. I'm interested in this. How much bleach or vinegar do you use? Do you ever use dishwasher cleaner pods? I have a 13yo Bosch (it was new & recently installed when we b...
by biscuits
Mon Mar 22, 2021 4:28 pm
Forum: Personal Investments
Topic: We sold our business. Help us invest the windfall
Replies: 63
Views: 8768

Re: We sold our business. Help us invest the windfall

with a reasonable degree (anything that leads to a paying career and doesn’t end with “_____ Studies” or “____ Arts”) This is limiting and limited view of the humanities, and the opportunities that await well-educated, creative young people today. (Our kids graduated with arts degrees and were happ...
by biscuits
Sun Mar 21, 2021 9:38 pm
Forum: Personal Investments
Topic: We sold our business. Help us invest the windfall
Replies: 63
Views: 8768

Re: We sold our business. Help us invest the windfall

with a reasonable degree (anything that leads to a paying career and doesn’t end with “_____ Studies” or “____ Arts”) This is a limiting and limited view of the humanities, and the opportunities that await well-educated, creative young people today. (Our kids graduated with arts degrees and were ha...
by biscuits
Thu Mar 18, 2021 12:51 am
Forum: Personal Investments
Topic: We sold our business. Help us invest the windfall
Replies: 63
Views: 8768

Re: We sold our business. Help us invest the windfall

If it were me with that kind of money, I'd pay for my kids education, all of it, and let them choose where to go, wherever they can get in. Too many kids are saddled with college debt that makes getting a start tough, and if you have the resources I'd remove that burden. I don't think that spoils t...
by biscuits
Sat Feb 20, 2021 7:25 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead Lessons From the Texas Winter Storm?
Replies: 226
Views: 18759

Re: Any Boglehead Lessons From the Texas Winter Storm?

In addition to all the good ideas here: 1) When filling bathtubs, pitchers, etc. with water in preparation for losing water, don't forget your washing machine. Fill it with hot or cold water (no laundry or soap, obviously). If you haven't used this water by the time your water is restored, you can j...
by biscuits
Wed Jan 27, 2021 12:42 am
Forum: Personal Consumer Issues
Topic: Engagement Ring
Replies: 140
Views: 8171

Re: Engagement Ring

My taste runs to Art Deco diamond rings. Fortunately for my husband, I'd inherited one and said, "Let's use this." But if I hadn't inherited one, I would have been looking around for something old. I like old things, and I like knowing that at least no currently living people mined my diam...
by biscuits
Thu Dec 24, 2020 1:59 am
Forum: Personal Consumer Issues
Topic: Seeking recommendations for Hybrid SUV with Excellent Safety Features
Replies: 16
Views: 2232

Re: Seeking recommendations for Hybrid SUV with Excellent Safety Features

Checking back in a year later to say thanks for all the great advice I got in this thread. We wound up getting a slightly used hybrid Toyota Highlander and are very happy with it. We test drove a Volvo in January 2020 and it was great. Toyed with the idea of ordering one for pickup in Sweden in May ...
by biscuits
Tue Nov 24, 2020 1:24 pm
Forum: Personal Consumer Issues
Topic: What charity are you donating to this Christmas season?
Replies: 145
Views: 6411

Re: What charity are you donating to this Christmas season?

Nothing special for Christmas but trying to spend down some of my portfolio increase to help others. Mostly food banks and United Way, plus the usual giving to Doc without Borders, Oxfam, Care.... I am feeling guilty with my portfolio doing so well while others are suffering. Was happy to find PayP...
by biscuits
Tue Nov 24, 2020 2:55 am
Forum: Personal Consumer Issues
Topic: What charity are you donating to this Christmas season?
Replies: 145
Views: 6411

Re: What charity are you donating to this Christmas season?

Local food banks Local animal shelters Local women's shelter Local performing arts organisations (really hurting due to Covid) Local museums Camfed (supports education for girls in Africa) https://camfed.org The Movement Voter Project (vets, mentors, and funds grassroots voter registration and mobil...
by biscuits
Thu Oct 15, 2020 11:12 pm
Forum: Personal Investments
Topic: Best Donor Advised Fund that is NOT a bank/wirehouse?
Replies: 32
Views: 2333

Re: Best Donor Advised Fund that is NOT a bank/wirehouse?

I opened a DAF at TIAAcharitable.org a few years ago and have been very happy with it. $5000 initial funding, and $50 minimum grants. Everything has been smooth and easy.
by biscuits
Tue Sep 22, 2020 12:50 am
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 267
Views: 20376

Re: Is Costco worth the $120 membership?

Whenever I rent a car, I do it through the Costco website. I never find a better price anywhere else. That alone is worth the fee (I have the regular membership, not the Executive).
by biscuits
Mon Jun 08, 2020 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Trip Insurance for AirBnB or VRBO rental
Replies: 8
Views: 1418

Re: Trip Insurance for AirBnB or VRBO rental

You've already gotten plenty of good advice here. I own a vacation rental which I list on Vrbo. Vrbo sells insurance from Generali (formerly CSA). In my experience, this company has reliably paid in the case of traveller's illness or weather disruptions. But it did everything it could to avoid payin...
by biscuits
Wed May 27, 2020 1:28 am
Forum: Personal Consumer Issues
Topic: Tea supplier comparison
Replies: 74
Views: 6247

Re: Tea supplier comparison

I, too, love Earl Grey, and have loved many different Earl Greys, but, for my taste nothing compares with Lavender Grey from tea-o-graphy in Taos, New Mexico. It is rich, silky, aromatic, and layered with flavours. Contents are: organic black tea + organic orange peel + organic dutch lavender + orga...
by biscuits
Wed Feb 26, 2020 3:19 pm
Forum: Personal Consumer Issues
Topic: Cancel flights due to coronavirus concerns?
Replies: 76
Views: 8134

Re: Cancel flights due to coronavirus concerns?

I'm with you! We have a pleasure trip to Houston booked in mid-March. I'm worried about the plane, the airport, and staying in a hotel--what happens if one person in that hotel tests positive while we are there? 14 days of quarantine? Maybe I'm over-reacting, but I'm prepared to cancel. Fortunately,...
by biscuits
Tue Feb 25, 2020 12:48 am
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 14311

Re: Do you ever use cash?

CoastalWinds wrote: Mon Feb 24, 2020 7:52 pm I hate having cash in-hand because I know it’s germ-ridden and I’m germophobic. I refuse to touch coins.
Do you disinfect your credit card before putting it back in your wallet? Sincere question, not snark.
by biscuits
Tue Feb 25, 2020 12:47 am
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 14311

Re: Do you ever use cash?

Yes, all the time. Farmer's markets. Housekeeper, handyman, etc. I always take cash when dining out & splitting the bill. Can't stand making the server juggle a bunch of credit cards. I prefer to pay cash at small businesses, including restaurants, particularly in my community. I'd rather keep t...
by biscuits
Thu Feb 20, 2020 10:14 pm
Forum: Personal Consumer Issues
Topic: New Grad with fashion design degree looking for job in that field
Replies: 99
Views: 4215

Re: New Grad with fashion design degree looking for job in that field

OP: I don't have any specific advice about fashion design, but I want to express my admiration for you for appreciating your grandaughter's talents and seeking advice for her. For what it's worth: both of my kids got bachelors' degrees in the arts, and struggled in NYC for several years after colleg...
by biscuits
Thu Feb 20, 2020 12:26 am
Forum: Personal Consumer Issues
Topic: Locating Sarasota Rental for One Month
Replies: 7
Views: 1235

Re: Locating Sarasota Rental for One Month

In addition to VRBO, Airbnb, and TripAdvisor, any other resources I should consult to locate a furnished property in or near Sarasota for a month? We are mindful of pricing and value, but not overly price sensitive. Cleanliness and good location are paramount. Thanks for any insights. With VRBO be ...
by biscuits
Thu Feb 06, 2020 11:02 pm
Forum: Personal Consumer Issues
Topic: Airlines Headache
Replies: 58
Views: 4637

Re: Airlines Headache

It's been a while, but I used to live near a small airport, and several times had luck with going to the ticket desk to request a change and having a nice agent make the change for free. If getting to an airport isn't a big hassle for you, you might try going in with Son B in tow & seeing if an ...
by biscuits
Wed Jan 29, 2020 6:46 pm
Forum: Personal Consumer Issues
Topic: Global Entry [wait time for interview]
Replies: 70
Views: 5054

Re: Global Entry [wait time for interview]

Visit New Mexico! The Albuquerque airport has loads of appointments. My interview there was delightful. Santa Fe is only 75 mins away; Taos about 2.5 hours.
by biscuits
Mon Jan 13, 2020 6:01 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Volvo with Swedish pickup/shipment to US option?
Replies: 19
Views: 1339

Re: Anyone bought a Volvo with Swedish pickup/shipment to US option?

Novice Q - Why does Volvo pay for 2 RT tickets, hotel stay and and such? Do they still make money on car price even after giving 9% off MSRP? Good questions which I can't answer. Maybe someone else can. I was told it was subsidized by the Swedish government as a tourist promotion. And manufacturers...
by biscuits
Mon Jan 13, 2020 4:56 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Volvo with Swedish pickup/shipment to US option?
Replies: 19
Views: 1339

Re: Anyone bought a Volvo with Swedish pickup/shipment to US option?

niceguy7376 wrote: Mon Jan 13, 2020 4:18 pm Novice Q - Why does Volvo pay for 2 RT tickets, hotel stay and and such? Do they still make money on car price even after giving 9% off MSRP?
Good questions which I can't answer. Maybe someone else can.
by biscuits
Mon Jan 13, 2020 4:54 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Volvo with Swedish pickup/shipment to US option?
Replies: 19
Views: 1339

Re: Anyone bought a Volvo with Swedish pickup/shipment to US option?

In addition to the delay to receive your vehicle, another downside is that the price is not negotiable. If it is in fact 9% off of MSRP you have a chance of doing better were you to go the more conventional route of bargaining with a local dealer. One other thing to check, I believe that in some st...
by biscuits
Mon Jan 13, 2020 4:42 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Volvo with Swedish pickup/shipment to US option?
Replies: 19
Views: 1339

Re: Anyone bought a Volvo with Swedish pickup/shipment to US option?

We almost did that with a Volvo sedan several years ago but ended up getting another car. It seemed like a great program! As someone who just went through a similar purchase decision, we had it down to the Volvo, the Highlander, and the new Kia Telluride. We ended up getting the Telluride and we re...
by biscuits
Mon Jan 13, 2020 4:39 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Volvo with Swedish pickup/shipment to US option?
Replies: 19
Views: 1339

Re: Anyone bought a Volvo with Swedish pickup/shipment to US option?

My sister in law did this with a new BMW 10+ years ago. It worked out fine until the car was shipped back then it was tracked as received in the US but no one at the dock where they were supposed to pick it up knew where the car was at. They lived on the east coast so they were just going to pick i...
by biscuits
Mon Jan 13, 2020 4:36 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Volvo with Swedish pickup/shipment to US option?
Replies: 19
Views: 1339

Re: Anyone bought a Volvo with Swedish pickup/shipment to US option?

It's a program with a great reputation. Only snag is that it can take a while for the car to get to you from Europe. If you don't need it delivered on a tight schedule, it's a great program! I'd like to do it at some point. Yes, you are right about that. Looks like delivery can take several months....
by biscuits
Mon Jan 13, 2020 4:31 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Volvo with Swedish pickup/shipment to US option?
Replies: 19
Views: 1339

Re: Anyone bought a Volvo with Swedish pickup/shipment to US option?

My wife and I did this about 10 years ago. Hotel was nice and everything went as described. Did some sightseeing in Gothenburg and a day trip to Malmo and Copenhagen using the SUV. We had a great time. Gothenburg is cold in the winter, would suggest spring visit if you can. Thanks! Good to hear. Ye...
by biscuits
Mon Jan 13, 2020 4:30 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Volvo with Swedish pickup/shipment to US option?
Replies: 19
Views: 1339

Re: Anyone bought a Volvo with Swedish pickup/shipment to US option?

barnaclebob wrote: Mon Jan 13, 2020 2:18 pm I haven't done it but all reports that I've read about it are good. There really aren't any gotchas as far a I know.
Thanks! That's reassuring.
by biscuits
Mon Jan 13, 2020 2:01 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Volvo with Swedish pickup/shipment to US option?
Replies: 19
Views: 1339

Anyone bought a Volvo with Swedish pickup/shipment to US option?

My husband and I are considering buying the Volvo SC90 T8 (plug-in hybrid SUV), thanks to a suggestion on this forum. We test-drove it last weekend and liked it a lot. The dealer told us about their pick-up-in-Sweden program: we receive 2 r/t tickets to Gothenburg, an overnight in a hotel, transfer ...
by biscuits
Mon Jan 13, 2020 1:08 am
Forum: Personal Consumer Issues
Topic: College Reunion Destination
Replies: 49
Views: 3574

Re: College Reunion Destination

Since it is August, another option would be to go the other direction and visit Canada. For example: https://www.novascotia.com/explore/road-trips/nova-scotia-golf-trail Seconding the Nova Scotia suggestion: yes, it's in the NE, but not the NE US. Check out Cabot Links, in Inverness, Cape Breton: h...
by biscuits
Sat Jan 11, 2020 6:56 pm
Forum: Personal Consumer Issues
Topic: Seeking recommendations for Hybrid SUV with Excellent Safety Features
Replies: 16
Views: 2232

Re: Seeking recommendations for Hybrid SUV with Excellent Safety Features

Volvo XC60 T8. You will not find a safer PHEV. Best vehicle I’ve ever owned or rode in. I would bet the XC90 T8 is safer:) Realistically the safety differences between the xc60,xc 90, MB GLC 350e, MB GLE550e, Cayenne hybrid,... are going to very small. Thanks randomguy and RootSki--we drove the XC6...
by biscuits
Sun Jan 05, 2020 1:00 am
Forum: Personal Consumer Issues
Topic: New Zealand Train trip
Replies: 77
Views: 3855

Re: New Zealand Train trip

I bet the coastal train from Christchurch to Wellington is fun. We drove that route last April, and there was a lot of major construction and repair work to the earthquake damage of several years ago, with many construction holdups along the way. We kept looking longingly at the train tracks, wishin...
by biscuits
Sat Jan 04, 2020 8:24 pm
Forum: Personal Consumer Issues
Topic: New Zealand Train trip
Replies: 77
Views: 3855

Re: New Zealand Train trip

Now that you have settled on your itinerary, here are a few specific suggestions, in case they are helpful (all of these hotels are splurgy--this was a splurgy trip for us, celebrating a big post-health-crisis birthday). We spent a month in NZ last spring, travelling between North & South Island...
by biscuits
Tue Dec 24, 2019 1:34 am
Forum: Personal Consumer Issues
Topic: New Mexico Camping in June with Kids
Replies: 12
Views: 1079

Re: New Mexico Camping in June with Kids

Bandelier National Monument is a spectacular park, with Native American cliff dwellings that your kids would probably love to visit. I haven't camped there myself, but I have seen their campgrounds and they look very nice. The park is close to Los Alamos, with the Bradbury Museum, and about an hour'...
by biscuits
Fri Dec 20, 2019 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Minimizing Health Care expenses in retirement
Replies: 30
Views: 2705

Re: Minimizing Health Care expenses in retirement

Biscuit. Are you really going to pay $431 for a MediGap medical and drug plan per month? That seems crazy expensive to me. I suggest you look into the numbers for some mistake. If not then you should probably buy regular Medigap Insurance and forget your state plan. It would only cost you $200 or s...
by biscuits
Thu Dec 19, 2019 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Minimizing Health Care expenses in retirement
Replies: 30
Views: 2705

Re: Minimizing Health Care expenses in retirement

I am about to start Medicare as a state government retiree. My monthly costs will be: excellent state retiree Medicare supplement including drug & vision coverage (would be cheaper if I'd worked for the state longer): $431 dental coverage premium: $42 longterm care premium (for excellent policy)...
by biscuits
Sun Dec 15, 2019 6:26 pm
Forum: Personal Consumer Issues
Topic: Seeking recommendations for Hybrid SUV with Excellent Safety Features
Replies: 16
Views: 2232

Re: Seeking recommendations for Hybrid SUV with Excellent Safety Features

I had a 2010 Lexus RX 450 Hybrid which I liked very much - very comfortable and quiet, although it did not have some of the safety features that are now common in latest versions like blind spot monitoring, collision avoidance, etc. I replaced it with a 2017 Cadillac XT5 which had all those safety ...
by biscuits
Sun Dec 15, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: Seeking recommendations for Hybrid SUV with Excellent Safety Features
Replies: 16
Views: 2232

Re: Seeking recommendations for Hybrid SUV with Excellent Safety Features

Thank you, WildBill! We will take a look at that Lexus, and thanks for the advice on the navigation system. Will keep that in mind.
by biscuits
Sun Dec 15, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Genworth raising LTCi premiums 150% over next 5-7 years
Replies: 165
Views: 9302

Re: Genworth raising LTCi premiums 150% over next 5-7 years

We received the annual "we are raising your premiums 15% next year" letter from Genworth LTCi. We expected this. What surprised us was the next paragraph: "We plan to request at least 150% in additional premiums over the next 5-7 years." We have had this Cadillac policy since 20...
by biscuits
Sun Dec 15, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: Seeking recommendations for Hybrid SUV with Excellent Safety Features
Replies: 16
Views: 2232

Re: Seeking recommendations for Hybrid SUV with Excellent Safety Features

Thank you both very much! We will look at the Highlander & the Rav 4. The plug-in option would be great, but we probably can't wait for the 2021 model.

Thanks!
by biscuits
Sun Dec 15, 2019 1:17 am
Forum: Personal Consumer Issues
Topic: Seeking recommendations for Hybrid SUV with Excellent Safety Features
Replies: 16
Views: 2232

Seeking recommendations for Hybrid SUV with Excellent Safety Features

We've never been really into cars, and have tended to buy used, and drive them forever. BUT--we are aging and feel it's time to buy a new car with all the best and latest safety features. We'd like a hybrid SUV, comfortable for long trips (roomy--DH is a big guy), and as safe as we can get. Paying c...
by biscuits
Mon Dec 09, 2019 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Retired recently and buying your own insurance? How bad is it?
Replies: 54
Views: 5814

Re: Retired recently and buying your own insurance? How bad is it?

Agreed with the above--go to the ACA website & research your options. You should probably continue on COBRA if you have that option. I retired at 60 and continued my great employee group health insurance for the allowed 18 months. Then went on a high-deductible ACA plan (and contributed to an HS...
by biscuits
Sun Dec 08, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Gave all personal info to phone scammer
Replies: 31
Views: 5345

Re: Gave all personal info to phone scammer

Thanks to the OP and to lawman3966 for his chilling story of a sophisticated scam. I can certainly imagine myself falling for that one, particularly when travelling, and this is a cautionary tale I will not forget!

Good luck to OP.
by biscuits
Thu Dec 05, 2019 11:15 pm
Forum: Personal Investments
Topic: Future Rental Property
Replies: 28
Views: 2390

Re: Future Rental Property

If you were able to manage it as a short-term rental, you might well give yourself more of a retirement project, and also reap more rent while retaining more flexibility. I inherited a condo which I now manage as a short-term rental, and the advantages of that for me include greater annual rental re...
by biscuits
Thu Dec 05, 2019 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: pension plan with survivor benefits for child?
Replies: 20
Views: 1178

Re: pension plan with survivor benefits for child?

I am a state government retiree, and while most of our retirees make their spouse their survivor, we do have the option of naming anyone we choose. However, with a significant age gap, the pension payment is significantly reduced. So, this does seem possible to me. Of course I don't know enough abou...
by biscuits
Tue Nov 05, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Airbnb - Guide a beginner
Replies: 64
Views: 6814

Re: Airbnb - Guide a beginner

Yes, VRBO & Airbnb are different companies. I felt this was appropriate to post here because a number of previous posters referenced VRBO. Many travellers use both and many owners list on both. I have not listed on Airbnb because of my impression that they do not let owners and travellers commun...