Search found 273 matches

by dowse
Thu Dec 14, 2017 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Restricted Application Dettails
Replies: 9
Views: 815

Re: Social Security Restricted Application Dettails

I checked the status of my application this afternoon. It is in Step 2 of 3 (whatever that is). No notifications or contacts from SSA as of today. I'll update this post when I hear something. Updated this PM ... My restricted application appears to have been approved (a few days after returning the...
by dowse
Sun Dec 10, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 101
Views: 8846

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

Try to stay healthy above all else. Good health makes everything else possible.
by dowse
Thu Dec 07, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: 4WD necessary/recommended on Big Island, HI
Replies: 36
Views: 2251

Re: 4WD necessary/recommended on Big Island, HI

Been to BI for a couple of weeks per year, each year for the last decade. Doesn't the Big Island Revealed guide book address the lack of need for a 4WD on BI? I haven't looked. Study the book thoroughly to get a sense of any sites that are not on paved roads. As mentioned above, the tours feel over...
by dowse
Thu Dec 07, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: 4WD necessary/recommended on Big Island, HI
Replies: 36
Views: 2251

Re: 4WD necessary/recommended on Big Island, HI

Definitely plan a trip to the summit of Kilauea in the NP at night. The park is open 24x7, and you can just drive right up to the Jaggar Musuem, where there is an outdoor viewing area which overlooks the caldera. It glows at night due to steam reflecting the molten lava pool below. Very interesting ...
by dowse
Thu Dec 07, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: 4WD necessary/recommended on Big Island, HI
Replies: 36
Views: 2251

Re: 4WD necessary/recommended on Big Island, HI

By the way, for snorkeling, I highly recommend Waialea Bay. It is an often overlooked state beach near Hapuna Beach. It is our favorite beach in the world. Great for snorkeling and an ideal spot for watching sunsets. It is also a very family-friendly beach. There are also some great spots along Puak...
by dowse
Thu Dec 07, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: 4WD necessary/recommended on Big Island, HI
Replies: 36
Views: 2251

Re: 4WD necessary/recommended on Big Island, HI

Just recently returned from our third trip to HI and the Big Island. We stayed with conventional rental cars all 3 times, although on this last trip, we did upgrade to a small SUV. Let me say that I would not even take a risk with a rental 4-wheel drive for that "road" to the Green Sand Beach. You c...
by dowse
Thu Nov 30, 2017 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Restricted Application Dettails
Replies: 9
Views: 815

Re: Social Security Restricted Application Dettails

I am in a similar situation, turning 66 in March, wife already collecting SSA. When is the latest month I can apply to get my first payment in April? Based on OP I assume I can apply now. Is it recommend to call or visit your local SSA office when doing a restricted application? You can apply up to...
by dowse
Thu Nov 30, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Restricted Application Dettails
Replies: 9
Views: 815

Re: Social Security Restricted Application Dettails

Is your wife already collecting her ss benefit and is she of full retirement age? She is 69 and has been collecting since she was 62. I think I found the answer I was looking for at ssa.gov : https://secure.ssa.gov/apps10/poms.nsf/lnx/0300615004. On that chart the line for my birthday states the fo...
by dowse
Wed Nov 29, 2017 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Restricted Application Dettails
Replies: 9
Views: 815

Social Security Restricted Application Dettails

While this topic has been addressed in several other threads, I wanted to get some reassurance that I am doing this right before I go ahead and submit my application. I turn 66 in late March, 2018. I started my online application and in the Reduced Benefits section, I selected the option "I want the...
by dowse
Fri Nov 24, 2017 6:21 pm
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 46
Views: 4132

Re: Trip to Hawaii - what do I need to know

3-time visitor here. OP, I think it would help to narrow down the advice a little if you let us know how much time you have to spend and whether you are more inclined toward nature, all-inclusive resorts, sightseeing/photography, beach combing and beach languishing, etc. In any case, consider a once...
by dowse
Mon Nov 20, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: Honeymoon Suggestions
Replies: 26
Views: 1844

Re: Honeymoon Suggestions

Just back from a 2-week trip to Hawaii - Maui and Big Is. Spent roughly $6k for 2 people, and that was with air fare mostly paid for with miles and some economizing on meals by having a lot of breakfasts in (stayed in condos), mostly on-the-go sandwiches for lunch and a few evening meals in on lefto...
by dowse
Mon Nov 20, 2017 5:38 pm
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 5819

Re: Uber for someone who knows only taxis

I love the concept of Uber. I hate that the company is getting such a hard time in some cities due to an entrenched local taxi lobby. This is the free market at it's best. A superior service to taxis in almost every way, except that in some cases, the fare will be higher than a taxi. More often than...
by dowse
Mon Oct 16, 2017 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Questions - Please Help
Replies: 24
Views: 1578

Re: Medicare Questions - Please Help

I struggled with the same decisions over the past year. I finally decided to go with traditional Medicare A, B and D plus a Medigap policy. The main reasons was flexible of choosing a provider over MA plans not just locally, but also when travelling. Dental coverage was a harder decision. I tried a ...
by dowse
Fri Oct 13, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Sonoma in October
Replies: 56
Views: 5023

Re: Sonoma in October

Also saddened by the fire situation in the area. Not from the area, but I also highly recommend a visit to Artesa for future reference. I just read a report from Wine Spectator online saying that some of Artesa's vineyards have sustained some damage, but the buildings so far have not been damaged. O...
by dowse
Fri Oct 06, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Boston to Bar Harbor trip
Replies: 33
Views: 2315

Re: Boston to Bar Harbor trip

Foliage seemed like it started early this year, but then slowed down due to unseasonable warmth, and is now running slightly late. The "peak" we always hope for may be a little more spread out over time. The best color on your route is likely to be in the N. Conway and White Mountains. While people ...
by dowse
Thu Oct 05, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Who has needed to use their umbrella insurance?
Replies: 129
Views: 17283

Re: Who has needed to use their umbrella insurance?

I have used mine, but only indirectly. A scammer hit my parked car in a public place, then claimed I hit him and caused a neck (like whiplash) injury. The amount claimed was within my Auto insurance limits, but because I also had umbrella, the insurance company sent a top team of lawyers to defend ...
by dowse
Thu Oct 05, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: Two Nights in Quebec City - Must See Suggestions, anyone?
Replies: 16
Views: 1351

Re: Two Nights in Quebec City - Must See Suggestions, anyone?

Thanks to all for the great suggestions. Sounds like we're going to wish we could stay longer.
by dowse
Tue Oct 03, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: Two Nights in Quebec City - Must See Suggestions, anyone?
Replies: 16
Views: 1351

Re: Two Nights in Quebec City - Must See Suggestions, anyone?

When my wife and I visited, we stayed at Chateau Frontenac and loved it. The bar has great views over the St Lawrence Seaway. I hope you like mussels. It seems like they are on the menu everywhere. Here's a couple of resources NY Times - 36 hours in Quebec City https://www.nytimes.com/interactive/2...
by dowse
Mon Oct 02, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: Two Nights in Quebec City - Must See Suggestions, anyone?
Replies: 16
Views: 1351

Two Nights in Quebec City - Must See Suggestions, anyone?

Hi all,

Taking a short trip with the DW up to Quebec City mid-month. We're only staying two nights, so we have limited time. I would appreciate restaurant and sightseeing suggestions for our short stay. Thanks!
by dowse
Mon Oct 02, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Boston to Bar Harbor trip
Replies: 33
Views: 2315

Re: Boston to Bar Harbor trip

More N. Conway info - we spend a lot of time there and are pretty familiar with most of the restaurants. I already mentioned Flatbread Company for pizza. Someone else mentioned Moat Mountain, which is also an excellent choice if you want a brew-pub. For breakfast, our favorite is Priscilla's Country...
by dowse
Mon Oct 02, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Boston to Bar Harbor trip
Replies: 33
Views: 2315

Re: Boston to Bar Harbor trip

While in North Conway, consider Flatbread Company for pizza. All fresh ingredients. Informal and easy on the budget. Great selection of beers. We usually order a salad for a starter. You can watch them bake the pizzas in wood-fired ovens. Edited so I could add Portsmouth - Our favorite seafood chowd...
by dowse
Thu Sep 14, 2017 8:26 am
Forum: Personal Consumer Issues
Topic: Does anyone read the Wall Street Journal?
Replies: 58
Views: 7285

Re: Does anyone read the Wall Street Journal?

We currently have the print+digital purchased through an ebay reseller. When that runs out later this year, I will be purchasing a new subscription through http://gafundraising.com/, which I learned about on another BH thread. One year print+digital for $198, but also helps an organization of my cho...
by dowse
Thu Aug 31, 2017 7:25 am
Forum: Personal Consumer Issues
Topic: Hurricane Harvey has me rethinking my approach to disaster preparations
Replies: 72
Views: 6785

Re: Hurricane Harvey has me rethinking my approach to disaster preparations

What strikes me about the OP's post is that he is back to some semblance of "normal". Being 1500 mi. away from this tragedy, it is hard for me to put it in perspective from what I can see in the media. While there is an appalling degree of loss and misery to be sure, what I can't tell is what percen...
by dowse
Tue Aug 22, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: Air Canada: Can I get refund for NONREF tickets?
Replies: 10
Views: 1095

Re: Air Canada: Can I get refund for NONREF tickets?

Don't know about Air Canada, but on American I got a refund on a non-refundable ticket due to "extenuating circumstances", which are things like your illness, illness of a close family member or death of a close family member. In my case it was illness and subsequent death of my MIL. I had to provid...
by dowse
Tue Aug 22, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: Advice on visit to Yosemite
Replies: 38
Views: 3963

Re: Advice on visit to Yosemite

There were crowds, but they were manageable. We were able to park at all the popular attractions. If you take the tram tour, which I highly recommend, you might want to buy tickets early in the day or a day or two before as they do sell out. We spent a day each in the Yosemite Valley, Glacier Point ...
by dowse
Fri Aug 18, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 7768

Re: DUI lawyer - need advice

No direct experience, but a relative had a similar one with one of his kids. There was a temptation on his part to let the kid take his lumps as a life lesson. The pricey lawyer he was talking to told him that what he tells families is that while that may be understandable, it's better to try and ha...
by dowse
Tue Aug 15, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Filing Restricted SS Application - Language Check
Replies: 19
Views: 1192

Re: Filing Restricted SS Application - Language Check

Watching this and earlier similar threads carefully, as I will be applying for a restricted application early next year. The experiences seem to be all over the map with this. Some have had problems online, some over the phone and some in person. It seems that no matter what the method, things somet...
by dowse
Tue Aug 08, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 4461

Re: Boston to Maine road trip

Arriving in Boston and leaving from Manchester is ideal. I'd drive up to check out Portsmouth and just head up US 1 from there all the way to Bar Harbor. You could spend a month on US 1 if you wanted. From Bar Harbor head over to Bangor and check out the waterfront. Then head west to Kingfield and ...
by dowse
Mon Aug 07, 2017 3:07 pm
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 4461

Re: Boston to Maine road trip

We mainly just visit the towns,look for good food and enjoy the scenery.We did a trip about 5 years ago where we made a circle from Boston up to Vermont to New Hampshire to Portland and back to Boston.This time we would like to go up the coast and drive back more inland so we do not see the same th...
by dowse
Mon Aug 07, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 4461

Re: Boston to Maine road trip

See the other recent topic on this: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=225108 Depends how much time you have. If time permits, I would go at least as far as Bar Harbor and Acadia NP. As for foliage, that's a little early for the coast. The leaves turn a little later than in the mo...
by dowse
Sun Aug 06, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Trip to Maine
Replies: 30
Views: 2206

Re: Trip to Maine

I should have mentioned above that when crossing NH, I prefer Rte. 302 eastbound and Rte. 112 westbound. For those visiting during peak foliage, in my opinion, there is no better place than Sugar Hill, NH. North Conway is an ok place to stay, as mentioned above, however, be aware that it becomes ove...
by dowse
Sun Aug 06, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: Trip to Maine
Replies: 30
Views: 2206

Re: Trip to Maine

Portland - Portland Head Light, Old Port area, Exchange St., Fore St. Kennebunkport Freeport Camden Kittery (if interested in outlet shopping) Portsmouth, NH - just over the bridge from Kittery Acadia NP - very crowded in summer, though. You might want to cross NH via NH112, starting at Bath and fol...
by dowse
Wed Jul 26, 2017 7:49 am
Forum: Personal Consumer Issues
Topic: Boston Logan Parking / Hotel?
Replies: 27
Views: 2205

Re: Boston Logan Parking / Hotel?

[/quote]I admit to being intimidated by several negative Yelp! reviews referencing full parking lots and unhelpful employees at various Logan Express locations. Other reviews mention the buses filling up at terminal "A" and stopping at the other terminals only to tell customers waiting in the cold t...
by dowse
Tue Jul 25, 2017 8:45 am
Forum: Personal Consumer Issues
Topic: Boston Logan Parking / Hotel?
Replies: 27
Views: 2205

Re: Boston Logan Parking / Hotel?

A possible compromise may be Logan Express, in your case, from either Woburn or Peabody. They run every half-hour. Travel time is 30-45 min. I believe there are hotels within a few minutes drive of those locations. Parking is $7/day. Fares are $22 r/t for adults. Kids 17 and under traveling with th...
by dowse
Mon Jul 17, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: San Jose and San Francisco Trip
Replies: 24
Views: 1996

Re: San Jose and San Francisco Trip

I will add to those who have recommended Monterrey as a side trip. DW and I did this as a day trip last fall out of San Francisco. We rented a car for one day and drove down to Monterrery, visited the aquarium, went out to the 17-mile drive, then back to San Francisco. We got back to our hotel in th...
by dowse
Tue Jul 11, 2017 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance - is it worth it?
Replies: 159
Views: 12603

Re: Long term care insurance - is it worth it?

Make accurate premium payments: http://www.bostonglobe.com/business/2017/07/10/when-comes-insurance-small-error-check-can-cost-you-everything/zgOROU0DUlKEOzvmFMvdII/story.html?s_campaign=todaysheadlines:newsletter. The consequences of a small error could have been easily avoided if this lady's loved...
by dowse
Mon Jul 10, 2017 9:11 am
Forum: Investing - Theory, News & General
Topic: The cost of car ownership
Replies: 51
Views: 3920

Re: The cost of car ownership

This is extremely interesting. While a Corvette isn't purchased to get from A to B, I'll agree that to the non-enthusiasts, they're just cars. I went to Edmunds, wondering if the numbers quoted assumed that the car was sold at the end of the 5 years, and indeed, they do. So a fair comparison. As a ...
by dowse
Mon Jul 03, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: Best tool/technique for grill cleaning?
Replies: 23
Views: 2504

Re: Best tool/technique for grill cleaning?

I still use a wire brush, with twisted bristles (like a pipe cleaner, not a toothbrush). I think the risk driving home from the market with the steak is higher than swallowing a wire bristle . Well, maybe so, but as I said, a family member already had a close call. He found a wire bristle in his mo...
by dowse
Mon Jul 03, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Best tool/technique for grill cleaning?
Replies: 23
Views: 2504

Best tool/technique for grill cleaning?

With all the negative publicity surrounding wire grill brushes, and a close call within my own family, I have sworn off any kind of wire grill brush. I am trying to decide what tool(s) to buy. What have BH'ers found to be effective and safe tools and methods for grill cleaning?
by dowse
Wed Jun 28, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Slide rule anyone?
Replies: 88
Views: 8735

Re: Slide rule anyone?

When an EMP destroys all of our electronic devices, those of us with slide rules and the skills to use them will rule the world!
by dowse
Mon Jun 26, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Slide rule anyone?
Replies: 88
Views: 8735

Re: Slide rule anyone?

Perhaps an underappreciated benefit of a slide rule is the tactile and visual aspects it adds to computations. Helpful for learners.
by dowse
Mon Jun 26, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: Slide rule anyone?
Replies: 88
Views: 8735

Re: Slide rule anyone?

Surprised no one has mentioned the Post Versalog. It was a bamboo one that came with a leather case, and even had a belt loop! I had saved one I had gotten in high school, but then it went missing. After searching all the nooks and crannies of the house several times over several years without findi...
by dowse
Fri Jun 09, 2017 8:40 am
Forum: Personal Consumer Issues
Topic: Babson College
Replies: 30
Views: 2945

Re: Babson College

I have a close friend who graduated from Babson, and is doing quite well. This is a young lady who is very bright and had lots of colleges to choose from. In her case, she was a MA resident, and staying local was a factor. It is a business college that emphasizes entrepreneurship. Probably not so we...
by dowse
Sat Jun 03, 2017 2:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 279
Views: 38751

Re: Roll Call for the Retirement Class of 2017!

Good luck and congrats to all who have "graduated" or plan to this year. To the OP and others, you will soon learn to LOVE Mondays!

- Dowse, Class of '16.
by dowse
Thu May 18, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: should I tip repairman for TV?
Replies: 27
Views: 2179

Re: should I tip repairman for TV?

No. This goes way beyond the norm for tipping. On a similar note, a few years ago, I was chided by a relative for not tipping a furniture delivery crew. I had thought it was a situation where tipping was inappropriate. A year or so later, we were having a mattress and box spring replaced. Normally, ...
by dowse
Tue May 16, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: Use of Drivers License for air travel
Replies: 20
Views: 2251

Re: Use of Drivers License for air travel

I think you could use the passport card, which is wallet size instead of carrying around the larger passport book. It is also sufficient for travel to Canada and Mexico.
by dowse
Wed May 03, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 31087

Re: Where to Live on $60K or Less a Year?

I was surprised Boise ID isn't on your list. I've never been there but my impression is that it's affordable, relatively urbane, and the access to the mountains is unparalleled. It might be cold in the winter, but probably less than Minneapolis. Also what about Asheville NC, Burlington VT, and Ashl...
by dowse
Mon May 01, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Turned down for umbrella policy
Replies: 23
Views: 3942

Re: Turned down for umbrella policy

We were cancelled twice - first one adult son living with us accumulated three speeding tickets. He moved out, we then reapplied and were approved. Then a couple of years later, another adult son living with us did the same, and we were cancelled again. He moved out, we applied again and were approv...
by dowse
Mon May 01, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Senior Lifetime National Parks Pass Fee Going Up
Replies: 77
Views: 11317

Re: Senior Lifetime National Parks Pass Fee Going Up

Best deal there is. Heard about the coming price hike, then went out and got my own, even though I always plan to visit the parks with my wife, who already has one. Note that if lost, it is not replaceable, and you must get another one. Also good in National Forest parking areas where a fee is charg...
by dowse
Tue Apr 25, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: how much house can we afford? Boston area.
Replies: 50
Views: 4434

Re: how much house can we afford? Boston area.

I think we are definitely in an overheated market in the Boston area, and possibly a bubble. There was an article in the Boston Globe ( I think) recently about sellers having so much leverage now that some won't consider any offers with mortgage or inspection contingencies, leaving the potential buy...