Search found 1193 matches

by HIinvestor
Sun Oct 22, 2017 11:03 pm
Forum: Personal Consumer Issues
Topic: Most economical way to ship clothing?
Replies: 9
Views: 442

Re: Most economical way to ship clothing?

Agree that if you can vacuum pack the garments by getting the air out, it is surprising how much you can send in a little space. I like USPS flat rate large boxes. You can try the zip-lock-like spacesaver bags where you just squeeze out the extra air and get in the clothes your kiddo needs prior to ...
by HIinvestor
Sun Oct 22, 2017 10:55 pm
Forum: Personal Consumer Issues
Topic: Best no sweat athletic/work socks
Replies: 26
Views: 1483

Re: Best no sweat athletic/work socks

I use Thorlo socks and find they meet all my needs. They sometimes are introductory offers if sales where you can get a pair for $5.90 shipping and handling it but 3 get 1 free. They are expensive but I BEVER get blisters or smelly or itchy feet with them, no matter jmhiw long I wear them. Some of t...
by HIinvestor
Sun Oct 22, 2017 10:46 pm
Forum: Personal Consumer Issues
Topic: Installing a slide inside a home?
Replies: 28
Views: 1060

Re: Installing a slide inside a home?

Our tenants asked our permission and built a treehouse in the backyard of the house we rented them. Right after they moved out, our property manager had it removed due to liability concerns. My cautious young niece fell off a slide when she was in grade school and ended up in the ER, so I’m pretty h...
by HIinvestor
Sun Oct 22, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 74
Views: 5117

Re: Federal Retiree Health Care with/Medicare

While one can switch FEHB and Medicare supplemental plans during open season, can’t really “time” it re an emergency hospitalization that occurs with little or no notice.
by HIinvestor
Sun Oct 22, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 74
Views: 5117

Re: Federal Retiree Health Care with/Medicare

IRMAA amounts are on a sliding scale. At the lower end, they’re not much higher than basic part B and go up from there. https://www.medicare.gov/your-medicare-costs/part-b-costs/part-b-costs.html For just one person on Part B, it’s not that much extra to pay for more security. My understanding is th...
by HIinvestor
Sat Oct 21, 2017 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 74
Views: 5117

Re: Federal Retiree Health Care with/Medicare

H is a retired federal employee. Some chronic health issues run in his family. He has Medicare A & B as well. He also has FEHB family plan which covers him, me and our dependent. Having both high BCBS FEHB and Medicare B has eliminated all copays and deductibles, which have been helpful for H’s PT a...
by HIinvestor
Sat Oct 21, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 35
Views: 2407

Re: What service do you pay for that you could easily do yourself?

We have a CPA who does our taxes tho we COULD do it ourselves. We also eat out quite often (tho we both could cook) and use a mechanic, even for oil changes tho H could do it. We use a plumber for plumbing repairs tho H knows how to do those. We use a bookkeeper for our nonprofit tho I could probabl...
by HIinvestor
Sun Oct 08, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3019
Views: 885064

Re: What Movie Have You Recently Watched?

Saw "Gifted" on the plane about a young math prodigy and a custody battle. It was thought-provoking.

Also saw Beauty & the Beast (latest Disney version) which was well done. Also saw China baby animals movie also in airplane--reminiscent of National Geographic.
by HIinvestor
Sun Oct 08, 2017 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do with your empty inkjet cartridges?
Replies: 22
Views: 1509

Re: What do you do with your empty inkjet cartridges?

We take ours back to Office Depot/Office Max and get a small credit back for our efforts. It feels better than tossing them and adding to trash.
by HIinvestor
Wed Sep 27, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: Tailor made shirts
Replies: 11
Views: 1358

Re: Tailor made shirts

Our S buys some tailored clothing since he has difficulty getting his precise size. Finding a good tailor who produced results you like is well worth the effort. His custom suits fit him very nicely and are better than a ton of alterations on ready to wear garments. Ymmv.
by HIinvestor
Mon Sep 25, 2017 3:13 am
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 72
Views: 4342

Re: Asking for no wedding gifts

We were invited to a baby's 1st birthday party that explicitly stated no gifts please on the Invitation. When we arrived at the birthday party, they had a big sign in table and gift basket for guests to put their cash gifts. I was very surprised and upset since all the parties I had previously been ...
by HIinvestor
Sun Sep 24, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8434

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

I have never heard of any patient being allowed to observe another's surgery or procedure and don't see how that would help anyway. I have permitted Med students to observe at teaching hospitals when I or a family member is the patient but not random patients.
by HIinvestor
Sun Sep 24, 2017 1:18 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8434

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

The best specialist I ever had was by going to one of the top hospitals in the country (by US News & World Reports) and being fortunate enough to have been given an appointment with him because he was participating and preferred with my BCBS insurance. My internist urged me to go to that med center ...
by HIinvestor
Fri Sep 22, 2017 11:11 pm
Forum: Personal Consumer Issues
Topic: Buckling in Hardwood Floors
Replies: 12
Views: 1015

Re: Buckling in Hardwood Floors

Agree with the post above. We have concrete slab foundation and the vapor barrier for our hardwood floors was the sheet vinyl flooring that was on the floor plus the put in a layer of thick seasoned plywood and left room for expansion AND had the wood season in place for weeks prior to installation....
by HIinvestor
Thu Sep 21, 2017 10:19 pm
Forum: Personal Consumer Issues
Topic: Gaps in new hardwood flooring
Replies: 52
Views: 3311

Re: Gaps in new hardwood flooring

Wood is "living" and if you have spaces now, you will likely have more plus bigger problems over time. When we had our hardwood floors installed, we had the installer buy the wood and all materials and install. He was very picky and discarded and rejected wood that he didn't feel was perfect. The wo...
by HIinvestor
Tue Sep 19, 2017 3:22 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 24267

Re: Name something you had to have and now you regret purchasing it?

We bought our Briggs & Riley carry-ins with wheels from Costco a few years back. They hold enough for a3-5 week trip and have held up well to our 40k or so miles/year. H mostly checks his bag and I carry mine aboard heading out and check it in returning home. It is our most expensive luggage. We pai...
by HIinvestor
Sun Sep 17, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: Color printer suggestions: high quality output, low cost of ink
Replies: 22
Views: 1595

Re: Color printer suggestions: high quality output, low cost of ink

We have two printers--a multi-function ink jet HP from Costco that we make copies on, send faxes with and use as back up printer. It was under $200 (maybe under $100) and we rarely have to buy ink. Our main printer has been discontinued -- it is a Xerox colorcube 8570. We buy solid wax ink for it ev...
by HIinvestor
Sun Sep 17, 2017 7:33 pm
Forum: Personal Consumer Issues
Topic: Buying nightguards (teeth grinding)
Replies: 52
Views: 4231

Re: Buying nightguards (teeth grinding)

My insurer covers part of the cost of our mouthguard as well. I got mine from the dentist. It's hard, thin and light. I've had it for several years and it has held up fine. Have never been tempted to buy it online--I am perfectly fine with paying for things related to my health and thus is one of th...
by HIinvestor
Sun Sep 17, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: What is FI if you love your job? [Financial Independence]
Replies: 68
Views: 5647

Re: What is FI if you love your job?

My H loved his job for most of the 45 years he held it until he didn't because of conditions beyond his control. Because we had saved and his income had grown so much in the last few years of his career, he was able to walk away from his career when he wanted to with no regrets and no second-guessin...
by HIinvestor
Fri Sep 15, 2017 1:38 am
Forum: Personal Finance (Not Investing)
Topic: Will / Trust attorney fees -- how much? (quoted $2000-3000)
Replies: 31
Views: 3200

Re: Will / Trust attorney fees -- how much? (quoted $2000-3000)

We were referred to attorneys by our bank who would have charged $1000 we were told. We were also referred to a different attorney who offered to do a complete package for us for about $3-4000. We went with the latter guy because we trusted the attorney who referred us (a relative who is corp counse...
by HIinvestor
Tue Sep 12, 2017 4:29 am
Forum: Personal Finance (Not Investing)
Topic: Relocate for Early Retirement?
Replies: 41
Views: 3765

Re: Relocate for Early Retirement?

We are in the home we bought nearly 30 years ago. H retired nearly 5 years ago. We have no current plans to move anywhere. My folks just moved from their 4 bedroom, 2 bath home with huge swimming pool to a SR community that required a huge payment but the estate gets refunded 90% after death. The pl...
by HIinvestor
Mon Sep 11, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?
Replies: 31
Views: 3732

Re: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?

Our CPA files our return electronically and we haven't filed a paper return in many decades. Our cpa has our PIN. Hopefully the IRS won't let anyone blithely change things.
by HIinvestor
Mon Sep 11, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 60
Views: 7282

Re: Equifax - credit freeze is now free?

So much is tied to SSN that changing it will cause more hassles for the person changing and the tons of records linked to it. Even ID theft victims are not offered new SSN.
by HIinvestor
Mon Sep 11, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 192
Views: 35221

Re: USAA 2.5% Cash Back Credit Card

Dang, didn't know we'd only get 1% back on ES tax payments. I guess I will switch to another form of payment. :( Hmmm--need to look up my USAA account. I just checked my statement and it APPEARS I got back the regular 2.5% from my estimated tax payments that I just made yesterday. :) I even got 2.5%...
by HIinvestor
Mon Sep 11, 2017 3:54 am
Forum: Personal Finance (Not Investing)
Topic: Safe Deposit Box Fee (Bank of America)
Replies: 35
Views: 11181

Re: Safe Deposit Box Fee (Bank of America)

What is VPW? We have rented a safety deposit box for many years. We went from the smallest size to a larger size. I believe it's under $100/year and this year they waived the charge because they moved the boxes from our supermarket branch of the bank to another branch that is slightly less convenien...
by HIinvestor
Sun Sep 10, 2017 11:01 pm
Forum: Personal Consumer Issues
Topic: Rental Car Scam--Insurance claim or credit card chargeback?
Replies: 9
Views: 1559

Re: Rental Car Scam--Insurance claim or credit card chargeback?

I had a similar situation where the car rental company on Molokai claimed I returned the rental car with a nail in one of the tires and they had to repair it and charged me $25. I asked them for documentation so it would be covered by the CCard company but they refused to provide any. I told the CCa...
by HIinvestor
Sun Sep 10, 2017 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Open a HELOC? With whom?
Replies: 13
Views: 948

Re: Open a HELOC? With whom?

There was no appraisal by anyone for our HELOC if the amount was $250k or less( well below FMV and property tax assessed value). It just involved a bit of paperwork and time and was approved. I can't recall having to provide much--perhaps H's most recent pay stub.
by HIinvestor
Sun Sep 10, 2017 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: At what point would you considering Umbrella Insurance
Replies: 37
Views: 3547

Re: At what point would you considering Umbrella Insurance

Per our agent, there are certain policy limits on your various insurances that have to be in place so you can qualify for umbrella coverage. The limits required were lower than max possible auto coverage and cheaper to get that lower limit plus umbrella with better coverage.
by HIinvestor
Sun Sep 10, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Open a HELOC? With whom?
Replies: 13
Views: 948

Re: Open a HELOC? With whom?

I opened my HELOC in 2011, just before H retired. We had absolutely NO costs associated with it--no appraisal fee, no annual costs. We have never used it and will likely let it lapse or close when the issuing company wants to close it for our many years of no use. If you are thinking of opening such...
by HIinvestor
Sun Sep 10, 2017 11:55 am
Forum: Personal Finance (Not Investing)
Topic: At what point would you considering Umbrella Insurance
Replies: 37
Views: 3547

Re: At what point would you considering Umbrella Insurance

We did get the excess policy limits tendered and paid in. Several cases where our client was injured. When the policy was significant, it made it much less likely that the injured party would have to pursue personal assets of the defendant.
by HIinvestor
Sun Sep 10, 2017 5:20 am
Forum: Personal Finance (Not Investing)
Topic: At what point would you considering Umbrella Insurance
Replies: 37
Views: 3547

Re: At what point would you considering Umbrella Insurance

Yes, but in addition to damages, one needs to also have a defense attorney, representing you and looking out for your interests as well as compensating the parties who were injured. A good umbrella policy provides the attorney as well as payment up to policy limits to cover damages.
by HIinvestor
Sun Sep 10, 2017 4:41 am
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 66
Views: 9822

Re: Consider freezing your credit

Equifax charged me and H. Maybe it varies by state.
by HIinvestor
Sun Sep 10, 2017 4:31 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11375

Re: Anyone else freeze their credit score?

Reposting from above link the FTC.gov articles from @TropikThunder about FAQs on fraud alerts and security freezes.

https://www.consumer.ftc.gov/articles/0 ... difference

https://www.consumer.ftc.gov/articles/0 ... raud-alert
by HIinvestor
Sun Sep 10, 2017 4:31 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11375

Re: Anyone else freeze their credit score?

Reposting from above link the FTC.gov article about FAQs on security freezes.

https://www.consumer.ftc.gov/articles/0 ... raud-alert
by HIinvestor
Sun Sep 10, 2017 3:04 am
Forum: Personal Finance (Not Investing)
Topic: At what point would you considering Umbrella Insurance
Replies: 37
Views: 3547

Re: At what point would you considering Umbrella Insurance

Yes, defense coverage is expensive. Unbrella coverage an extra attorney on top of any other attorney your other insurance or other sources may provide. Having a good attorney is much cheaper than the premiums you pay. I believe my umbrella is for $2mm, which is a decent amount. Was never given a quo...
by HIinvestor
Sat Sep 09, 2017 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11375

Re: Anyone else freeze their credit score?

For good measure, I just opted out of receiving pre-approved offers for both H and myself. I'm tired of them cluttering our mailboxes and tossing them out. Good riddance!

https://www.optoutprescreen.com
by HIinvestor
Sat Sep 09, 2017 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11375

Re: Anyone else freeze their credit score?

A credit freeze will prevent most folks from being able to apply for a credit card or open a bank account in your name. To me, that's valuable, whether or not you have a credit card. That's why we froze our accounts at the 5 credit bureaus.
by HIinvestor
Sat Sep 09, 2017 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Credit Card....need to send Drivers License/SS Copies?
Replies: 12
Views: 1196

Re: Applying for Credit Card....need to send Drivers License/SS Copies?

I've been approved for many CC's--sometimes online instantly, sometimes a bit later with an email or phone call confirmation. I have never sent DLicense & SS copies. H never has either. We have excellent credit (scores >800).
by HIinvestor
Sat Sep 09, 2017 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 72
Views: 32820

Re: Can't freeze credit at Experian?

Yes, there are those big 3 plus Innovis and also ChexSystems. I figured if I'm going to be complete and protect myself and H, we might as well be thorough.
by HIinvestor
Sat Sep 09, 2017 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11375

Re: Anyone else freeze their credit score?

90 days of the fraud alert will fly by--that doesn't seem to be much real protection for a breach of this magnitude, IMHO; when it ends you will be unprotected unless you remember to extend it and jump through whatever hoops are required. I guess everyone has different risk tolerance and ability to ...
by HIinvestor
Sat Sep 09, 2017 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance when not in flood plain?
Replies: 39
Views: 3493

Re: Flood Insurance when not in flood plain?

I've seen houses flood in areas that are not near streams or bodies of water when the "responsible agency" doesn't do proper maintenance and/or irresponsible people dump things in drainage canals that ought to have been properly disposed of. The damage is staggering and unpredictable, even though th...
by HIinvestor
Sat Sep 09, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: First Class Stamps on Large Packages
Replies: 26
Views: 1798

Re: First Class Stamps on Large Packages

Yes, the big issue is if you ship anything weighing more than 13 ounces, you need to give it to one of the staff or use the kiosk and your CC or debit card and it needs to fit in their unlocked mailing bin or given to them during working hours. I have put on excess stamps, had them make me a machine...
by HIinvestor
Sat Sep 09, 2017 9:35 pm
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 66
Views: 9822

Re: Consider freezing your credit

I did it last night for all 5 of my accounts and all 5 of H's: Experian Equifax Transunion Innovis ChexSystems I was fine. H had a glitch with Transunion. It didn't like the answers he gave to multiple choice questions about his credit file. Ultimately, it told him he needed to call them to complete...
by HIinvestor
Sat Sep 09, 2017 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: At what point would you considering Umbrella Insurance
Replies: 37
Views: 3547

Re: At what point would you considering Umbrella Insurance

I worked as an attorney for some years. During that time , I noted that many of the best attorneys in town were on retainer with the insurers that folks carried umbrella policies with. I've had umbrella coverage since I graduated from law school decades ago. Recently the premiums went down so we dou...
by HIinvestor
Sat Sep 09, 2017 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance when not in flood plain?
Replies: 39
Views: 3493

Re: Flood Insurance when not in flood plain?

We weren't in the flood plain and after the maps were redrawn we are now inside the edge of the floodplain. We purchased insurance and I believe the premiums reflect your risk--further away and less risk us lower premiums. For peace of mind we started buying flood and hurricane policies as soon as w...
by HIinvestor
Sat Sep 09, 2017 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 68
Views: 25964

Re: Is a security freeze at Innovis really needed?

I also did security freezes with the big 3 plus Innovis and ChexSystems for H and me. I figure it it's a hassle for me, it should be a bigger hassle for the BADDIES to misuse my info. I want to make us as unattractive targets as possible and hope they will look for easier prey to get real jobs inste...
by HIinvestor
Sat Sep 09, 2017 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11375

Re: Anyone else freeze their credit score?

You can just search online for the names of each of these companies and credit freeze or security freeze. The FTC.gov website also has info about placing security freezes, with links.
by HIinvestor
Sat Sep 09, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 72
Views: 32820

Re: Can't freeze credit at Experian?

We did all 5 credit bureaus yesterday for H and me. We only had a slight glitch with Transunion because some of their info is dated/old and we didn't like the multiple choice options. Fortunately we were able to complete the freeze over the phone. It was easier than when we did fraud alerts previous...
by HIinvestor
Sat Sep 09, 2017 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11375

Re: Anyone else freeze their credit score?

We froze our accounts with all 5 systems yesterday online plus one phone call with TransUnion because they had inaccurate info about where our S is living. We froze the big 3 plus ChexSystems and Innovis. The latter two we were not charged and they were recommended on a few places as well. We have a...