Search found 1743 matches

by HIinvestor
Thu Jan 17, 2019 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 54
Views: 5640

Re: How much money did you receive from family? (Gifts/inheritance)

We have gotten gifts over the years, and they have been helpful. The major gift was paying for my college and grad school. H worked his way through 7 years of undergrad. My mom gave us shares in a small family corporation many years ago. It has started paying significant (5 figure dividends) in the ...
by HIinvestor
Sun Jan 13, 2019 9:17 pm
Forum: Investing - Theory, News & General
Topic: Medallion Signature guarantee?
Replies: 46
Views: 4348

Re: Medallion Signature guarantee?

I have done these at the brick & mortar Schwab, Morgan Stanley, and I’m not sure but perhaps a bricks & mortar bank. I’ve had accounts at all of these different places over time. Still have assets in Schwab and several banks & other financial places. Agree that calling branch managers at various bri...
by HIinvestor
Sun Jan 13, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: How do I stop jeans from ripping in the thighs?
Replies: 70
Views: 4254

Re: How do I stop jeans from ripping in the thighs?

If the rest of the jeans are still in good/great shape, I’d mend them for modesty and keep wearing them. Some denim scraps from hemming or an old garment/jeans should give you lots of material to work with. If you do a decent job, the pants should remain comfortable with the repairs barely visible a...
by HIinvestor
Fri Jan 11, 2019 10:31 pm
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9561

Re: Did you ever "win" big?

H was a fed employee—that was a big win and he worked with the fed govt 45 years. We met and married over 30 years ago, another big win. His employer had a deferred compensation plan he could invest in, up to 10% of his lifetime earnings with after tax dollars. We guesstimated lifetime fed earnings ...
by HIinvestor
Tue Jan 08, 2019 5:13 am
Forum: Personal Consumer Issues
Topic: How to save on prescription drug costs?
Replies: 43
Views: 2642

Re: How to save on prescription drug costs?

For us, we have a great neighborhood pharmacist who is willing to run our insurance several different ways to try to get us the lowest copay. We often pay $0 for 90 days but $7 or nor if we only get 30 days at a time for a maintenance Rx (pharmacy dispensing fee) so insurer incentivizes patients to ...
by HIinvestor
Mon Jan 07, 2019 3:17 am
Forum: Personal Finance (Not Investing)
Topic: Chase sapphire reserve points
Replies: 19
Views: 2308

Re: Chase sapphire reserve points

If you want cash back mostly, you may wish to use a card that gives 2% or more cash on all purchases, like USAA that gives 2.5% or Capitol One Spark Visa for 2% or Fidelity or others. We use our UR points when D wants to buy a ticket at the last minute. She generally transfers the points just before...
by HIinvestor
Sun Jan 06, 2019 2:00 am
Forum: Personal Consumer Issues
Topic: Paying (paper) cash for daily transactions
Replies: 83
Views: 3759

Re: Paying (paper) cash for daily transactions

My kids like credit cards and debit cards. D also likes Venmo. My kids are 29/31. They take photos of checks to deposit them when they receive them. They rarely write checks. I think they’re fairly typical. United doesn’t accept any cash to pay for anything on the flight—cards only. I’m not sure abo...
by HIinvestor
Sat Jan 05, 2019 9:19 pm
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 7769

Re: United, American Airlines, Delta--about the same?

I mostly fly United because they have the most flights between my destinations and I like having options. We fly about 25-30k miles/year and are often upgraded to economy plus. I much prefer economy plus over economy on all airlines. We always bring our own food on planes unless the flight says it s...
by HIinvestor
Sat Jan 05, 2019 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA - is it worth filling out?
Replies: 108
Views: 5476

Re: FAFSA - is it worth filling out?

There are Us which require FAFSA to be completed for merit awards and Us that don’t. Our kids both attended the same U. It didn’t require forms about finances for merit awards. Our child was given >1/2 tuition for 4 years and we never completed provided any financial info except showing the U the me...
by HIinvestor
Sat Jan 05, 2019 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 158
Views: 8240

Re: What Do You Spend The Most On Annually?

Taxes
Savings
Gifts to kids
Cars
Travel & Dining out

(We are mostly retired.)
by HIinvestor
Sat Jan 05, 2019 7:15 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 98
Views: 8818

Re: Shingrix [Vaccine availability]

When it was 1st publicized that this vaccine was available, I mentioned it to my pharmacist. He put me and my H and folks on a waiting list, contacted us when dose 1 and later dose 2 arrived. We got our doses 2 months and 1 day apart. Only H felt like he was running a slight cold after each injectio...
by HIinvestor
Fri Jan 04, 2019 2:48 am
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7319

Re: Engagement Ring (Affordable)

H gave me a very inexpensive toy ring when we were engaged and we shopped for my ring together (tho I kept the toy as a momento). We got our stone from a mutual friend. He also sold us the setting and matching confort hand 14kt gold plain bands for our wedding rings. This was pre-Costco but I was ha...
by HIinvestor
Thu Jan 03, 2019 9:11 pm
Forum: Personal Consumer Issues
Topic: best cheap printer
Replies: 45
Views: 2318

Re: best cheap printer

YgWe are very pleased with our HP officejet pro 8715 from Costco. It faxes, scans, prints, single & double-sided. Costco also sells the ink and it airprints from my iPhone. Shortly after we bought it for about $189, there was a coupon for an additional $25 discount, plus $20 off 2-packs of ink, so C...
by HIinvestor
Thu Jan 03, 2019 9:01 pm
Forum: Personal Consumer Issues
Topic: best cheap printer
Replies: 45
Views: 2318

Re: best cheap printer

YgWe are very pleased with our HP officejet pro 8715 from Costco. It faxes, scans, prints, single & double-sided. Costco also sells the ink and it airprints from my iPhone. Shortly after we bought it for about $189, there was a coupon for an additional $25 discount, plus $20 off 2-packs of ink, so C...
by HIinvestor
Thu Jan 03, 2019 8:24 pm
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 8283

Re: Your ideal home size

Our current home is 3 bedrooms, 2 baths, all one level maybe 1200 square feet. We also have a 2-car carport. We raised our 2 kids here but have been “empty nesters” for nearly a decade now. I have relatives with much larger homes and they seem to spend A LOT more time and money cleaning and maintain...
by HIinvestor
Sun Dec 30, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA - is it worth filling out?
Replies: 108
Views: 5476

Re: FAFSA - is it worth filling out?

Some Us (which S refused to apply to) required students to complete FAFSA (& other FAid forms) to be considered for MERIT aid. He decided to only apply to Us who would give merit aid based on his test scores, grades and ECs with NO financial info of any kind from us or him. He got several generous o...
by HIinvestor
Sun Dec 30, 2018 1:08 am
Forum: Personal Consumer Issues
Topic: Must sees in Kauai.
Replies: 39
Views: 2386

Re: Must sees in Kauai.

Waimea Canyon is really lovely—like a mini Grand Canyon. Princeville is quite majestic, Hanalei Bay, Poipu Beach and Na Pali Cliffs are all very lovely too. You will have s grwat time! Horseback riding is available if you and your family are interested as well.
by HIinvestor
Wed Dec 26, 2018 4:52 am
Forum: Personal Consumer Issues
Topic: used Prius (or Chevy Volt?)
Replies: 58
Views: 6179

Re: used Prius (or Chevy Volt?)

Our car has so much electronic, we just feel better with the 10 year warranty—we tend to keep cars way beyond 10 years and so many electronic parts are SO expensive to replace!
by HIinvestor
Wed Dec 26, 2018 4:48 am
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 184
Views: 11626

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

We have only been flying to large domestic cities in 2018 but may fly by internationally in 2019. Not sure. Will look into it again. Medjet assist seems to provide protection but require you to fill out questionnaires and have higher rates after age 75. AARP members do get a discount.
by HIinvestor
Fri Dec 21, 2018 2:30 am
Forum: Personal Finance (Not Investing)
Topic: Stop extra mortgage payment and put into taxable account?
Replies: 29
Views: 2461

Re: Stop extra mortgage payment and put into taxable account?

We were happy to prepay an extra $500 or so/month on our mortgage so it would be fully paid off before H retired. It just felt good knowing our fixed expenses were lowered by the amount of our former monthly mortgage payment. In terms of how shrewd a financial move it was to prepay that aggressively...
by HIinvestor
Fri Dec 21, 2018 1:55 am
Forum: Personal Finance (Not Investing)
Topic: Bank offered free interest rate reduction
Replies: 24
Views: 1793

Re: Bank offered free interest rate reduction

Congrats! It’s great if there is a no strings attached offer to lower your interest rate with no prepayment is GREAT. I’d accept it ASAP. I know folks say no benefit to paying off low interest loan/mortgage, but also no harm and it’s fine to be free and clear with no debt. Our banks never ordered to...
by HIinvestor
Thu Dec 20, 2018 3:12 am
Forum: Personal Finance (Not Investing)
Topic: Cell Phone Plan/Carrier Recommendation?
Replies: 26
Views: 2042

Re: Cell Phone Plan/Carrier Recommendation?

If you have a friend or relative over 55, the 55+ plan at T-Mobile is $90 for 3 lines, unlimited no throttle) data, text and phone. We have been on it awhile and are pretty pleased with the price and service. No overages. We have had sprint, Verizon and AT&T but really like the lower price of T-Mobi...
by HIinvestor
Tue Dec 18, 2018 1:58 am
Forum: Personal Consumer Issues
Topic: How much do you pay for cable/internet/cellphone
Replies: 95
Views: 5719

Re: How much do you pay for cable/internet/cellphone

We pay T-Mobile 55+ senior rates $60 for every 2 lines, unlimited voice, text and data x 2 = $120 for 4 lines (our own phones)

Landline & 20mpbs & basic cable $90/mo

AmazonPrime $99/yr
by HIinvestor
Mon Dec 17, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Gift Ideas for wife
Replies: 76
Views: 5494

Re: Gift Ideas for wife

Might she enjoy a cooking class with you at Williams Sonoma or similar plus a shopping spree with you to buy more for the kitchen? Spice box from Penzey’s? Cooking lesson at one of the cool restaurants in your area?
by HIinvestor
Sat Dec 15, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Adult Games / Board Games - Recommendations
Replies: 55
Views: 3569

Re: Adult Games / Board Games - Recommendations

7 Wonders is an interesting game. It’s hard to know who will ultimately win and involves strategy. Apples to Apples is a fun game and can have lots of players. Pandemic is supposed to be a collaborative game. Some folks like it while others find it boring, depending on dynamics. Someone on another f...
by HIinvestor
Sat Dec 15, 2018 1:44 am
Forum: Personal Consumer Issues
Topic: Is it difficult to change a baby's legal name?
Replies: 70
Views: 2955

Re: Is it difficult to change a baby's legal name?

We misspelled S’s middle Name on our firstbirn’s birth certificate that we signed at the hospital. Fortunately we were able to call the right person at the Dept of Health and do what it took to correct it before it was officially processed (it was still in the in box, en route to being processed). T...
by HIinvestor
Fri Dec 14, 2018 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Forgoing health insurance
Replies: 112
Views: 5259

Re: Forgoing health insurance

I’m quite sure he would NOT have had $1mm of stem cell treatment for his successful fight against cancer if he wasn’t insured. Sloan Kettering needs to know that it’s big bills will be paid. My kids, H and I have all been mostly healthy, except when we are not. No one knows when they will be diagnos...
by HIinvestor
Fri Dec 14, 2018 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Forgoing health insurance
Replies: 112
Views: 5259

Re: Forgoing health insurance

Our neighbors just came back from months of being in NYC at Sloan Kettering. Both were healthy—until they weren’t. Kaiser paid over $1mm for the H to get stem cell treatment to go with his cancer treatment. Both of them have full courses of cancer treatment in HI too. It cost way more than most folk...
by HIinvestor
Fri Dec 14, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19502

Re: Favorite Purchase of 2018?

I guess it was my new Prius prime—picked it up last night. It’s the 3rd new car I’ve bought in nearly 40 years and is just the way we ordered it—all the bells & whistles plus extended warranty, coating on the car so it stays shiny and resists stains, crossbars so things can be attached to roof!
by HIinvestor
Thu Dec 13, 2018 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Do our savings rate habits change as we get older?
Replies: 16
Views: 1525

Re: Do our savings rate habits change as we get older?

I believe it depends on the person and circumstsnces as well as tendencies. I have always been a saver as have H and S. D has saved what she can but isn’t really in a position to save much since she doesn’t have a job—she is very careful to stretch the assets she has. When expenses are fairly high r...
by HIinvestor
Thu Dec 13, 2018 2:05 am
Forum: Personal Consumer Issues
Topic: Is a New Car Okay if Driven 15+ Years?
Replies: 91
Views: 7441

Re: Is a New Car Okay if Driven 15+ Years?

I bought a new Oldsmobile Ciera in 1986, a new Toyota Sienna in 1999 and this year, I’m buying a new 2018 Toyota Prius Prime. We generally keep our cars for a very long time. When I check out used cars I might be interested in, I can’t find ones that have are priced attractively or are the model, co...
by HIinvestor
Wed Dec 12, 2018 3:58 am
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 249
Views: 20301

Re: What Happened to you during the Financial crisis of 2007–2008

We mostly just rode it out. We didn’t have much extra investable assets at the time and had a paper loss like many. We didn’t panic and sell and eventually it went back up. We just kept in the market and patiently waited. Fortunately, we did have a decent emergency fund and lived below our budget th...
by HIinvestor
Wed Dec 12, 2018 2:51 am
Forum: Personal Consumer Issues
Topic: Donate to homeless?
Replies: 84
Views: 4093

Re: Donate to homeless?

I do not give cash to people seeking it. I have given leftover food that (including disposable utensils) I was taking home for an extra meal a few times, when I came across someone who appeared to be in need and hungry. They seemed grateful. Mostly I give to charities I know are serving the needy in...
by HIinvestor
Mon Dec 10, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: Retired in your late 40s or early 50s?
Replies: 87
Views: 14388

Re: Retired in your late 40s or early 50s?

My H retired when he was 70 and I’ve been mostly retired since turning 55 (just after paying off the mortgage and all the kids’ ed expenses & tuitions 6 years ago). It has been nice for both of us—we travel some, dine out often, and I run a nonprofit I started a decade ago. H loved his job until the...
by HIinvestor
Mon Dec 10, 2018 1:39 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4043
Views: 1101327

Re: What Movie Have You Recently Watched?

I saw the following movies on the plane (where I watch many of my movies—long flights and a way to pass the time): Jumanji—entertaining (hadn’t seen the original) Crazy Rich Asians (CRA)—entertaining and glittering scenery and outfits (was viewed in theater) Christopher Robin—sad; hadn’t known the b...
by HIinvestor
Sun Dec 09, 2018 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Car Damage Issue
Replies: 69
Views: 4143

Re: Rental Car Damage Issue

I was accused to getting a nail in the tire on a car we rented. I asked the car rental company to please provide all the documentation requested by the CCard company so I could submit a claim and get it reimbursed—photos, work order, etc. Rental company refused to send anything. CCard company and we...
by HIinvestor
Sat Dec 08, 2018 1:03 am
Forum: Personal Finance (Not Investing)
Topic: Solar Tax Credit
Replies: 11
Views: 1165

Re: Solar Tax Credit

How much is the CPA receiving in commission? To me, if it’s too complicated or seems too good to be true, be VERY skeptical. I’d ask around—a lot before thinking of sinking any money in this.
by HIinvestor
Sun Dec 02, 2018 11:09 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 188
Views: 20997

Re: Best values at Costco? Honestly, a little disappointed...

As I type this, I am wearing a merino wool T-shirt I bought fit $17.99 at Costco.com and a pair of merino wool socks, 6pr for $19.99, plus my warm chenille sweater I just bought for $16.99 at Costco.com. I saw a similar sweater listed by another retailer for several times the price. I also have 2 wo...
by HIinvestor
Fri Nov 30, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?
Replies: 65
Views: 4192

Re: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?

We are “trading in” our 2000 Toyota van with just under 120,000 miles in conjunction with getting a new car. We are only getting $600. It still runs, including the A/C, interior is decent, but we are ready to be done with it. Yeah, we likely could get more if we sold it independently but really don’...
by HIinvestor
Mon Nov 26, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 444
Views: 54725

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

Oh yes, many, many pairs of shoes—paid good money but ended up not being able to wear because dang uncomfortable. Fortunately the last pair I was able to gift relative, literally just worn once. They’re recommended by podiatrists and supposed to be superbly comfortable—for feet other than mine. :oops:
by HIinvestor
Mon Nov 26, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 444
Views: 54725

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

I’m hoping i won’t be posting on this thread about buyer’s remorse when we pick up our Prius Prime in two weeks. I’m pretty sure we will love it as I expect but am keeping my fingers crossed.
by HIinvestor
Mon Nov 26, 2018 4:06 am
Forum: Personal Finance (Not Investing)
Topic: ride-sharing - just saying... [Check your insurance policy]
Replies: 20
Views: 2776

Re: ride-sharing - just saying...

Yeah, the time we ride Uber in SF, the driver spent the whole trip giving us his sad sack story about how tough it is to make ends meet. I guess it worked as we gave him a good tip but made us never want to ride with him again so that part was a definite negative.
by HIinvestor
Mon Nov 26, 2018 3:40 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 444
Views: 54725

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

Hmmmm, I guess stock in a friend’s company (we wanted to help them out). It went up 100% or more, then tanked and now is worth about 10% of the basis. Fortunately we didn’t invest much. Also bought $50k of a great stock we really believed in that shot up and then tanked. Fortunately we stopped doing...
by HIinvestor
Mon Nov 26, 2018 3:04 am
Forum: Personal Finance (Not Investing)
Topic: paying off all but 1 dollar of CC
Replies: 83
Views: 8270

Re: paying off all but 1 dollar of CC

Nope—I have a very high credit rating (800s), as do both of our kids. We all pay our CCs in full every month. The only interest I’ve paid was on our mortgage, which had been paid in full. Our kids have never paid any interest and have always paid all bills promptly, just like us.
by HIinvestor
Mon Nov 26, 2018 2:25 am
Forum: Personal Consumer Issues
Topic: used Prius (or Chevy Volt?)
Replies: 58
Views: 6179

Re: used Prius (or Chevy Volt?)

We just bit the bullet and bought a Prius Prime to replace our 20 year old Toyota van. We really literally did drive it into the ground. :D We are getting $600 trade in value for it. I may see if our mechanic wants it for parts. Because the Prius has so many computer and electronic parts, we did buy...
by HIinvestor
Mon Nov 26, 2018 2:23 am
Forum: Personal Finance (Not Investing)
Topic: ride-sharing - just saying... [Check your insurance policy]
Replies: 20
Views: 2776

Re: ride-sharing - just saying...

Last time I read it, Uber protects for PROPERTY damage, not the passengers. I also have uninsured and underinsured coverage because I don't trust the coverage of the many folks driving around the US. I have only been in an uber a few times. I prefer and take taxis.
by HIinvestor
Mon Nov 26, 2018 2:20 am
Forum: Personal Consumer Issues
Topic: Rodents ate my car!
Replies: 73
Views: 8353

Re: Rodents ate my car!

Well, we did it! We are in contract for a new Prius Prime and pretty happy so far. Will pick it up in about 2 weeks.
by HIinvestor
Sun Nov 25, 2018 2:42 am
Forum: Personal Consumer Issues
Topic: What’s your “barometer” for luxury purchases?
Replies: 72
Views: 5570

Re: What’s your “barometer” for luxury purchases?

I struggle with this at times too. We are in the market for a new or at least newer car. My 20 year old van (which we purchased new) is no longer worth repairing and not as good or safe to drive as we’d like. We have been looking at new and newish sedans and SUVs. We are leaning toward a new Toyota,...
by HIinvestor
Sat Nov 24, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: Better to Drive Older or Newer Car?
Replies: 8
Views: 1384

Re: Better to Drive Older or Newer Car?

We are planning to drive our newer car but don’t fit your situation. We are trading in my 2000 van for a 2018 hybrid that gets WAY better mileage than our current 20+ year old cars. We don’t drive much in any case and driving the new one more and sparing old one will allow it to last longer and not ...
by HIinvestor
Sat Nov 24, 2018 3:41 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: 199
Views: 13995

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

I’ve had several excellent physicians and quite a few who I would rate as subpar. So much depends on a physician who can and will take the time and listen and communicate + of course skill. Referrals from MDs and other satisfied patients have been helpful. I have had MDs who refused to consider it r...