Search found 1316 matches

by HIinvestor
Mon Jan 15, 2018 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Strange Life insurance product - keep or dump?
Replies: 7
Views: 498

Re: Strange Life insurance product - keep or dump?

Yes, what fees are associated with keeping these policies active (annual fees are easiest to consider)? That would factor into the decision on whether to keep or cash in now.
by HIinvestor
Mon Jan 15, 2018 3:45 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 82
Views: 6172

Re: Post your Financial Milestone Announcements Here

Just looked at H’s Roth IRA statement recently and realized it had more than doubled since we put the funds in with no further funds from us — invested and held. It made me smile and will be a happy surprise for H as well. :)
by HIinvestor
Sun Jan 14, 2018 10:02 pm
Forum: Personal Consumer Issues
Topic: OnePlus 5t Smartphone?
Replies: 21
Views: 1152

Re: OnePlus 5t Smartphone?

We all got OnePlus One phones. H and D gave upgraded to 3 and 3T. S and i have switched back to iPhones. For Android, you get a very capable phone for a good price. It’s all personal preference. I find iPhone easier to use while H and D prefer Android (we all had iPhone 5 for awhile). H was interest...
by HIinvestor
Sun Jan 14, 2018 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 61
Views: 3611

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

Wow, funerals I’ve attended or been involved with are generally a considerable time (sometimes months) after the death, so there is time for loved ones to make arrangements.
by HIinvestor
Sun Jan 14, 2018 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 61
Views: 3611

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

I have never paid bail for anyone not had anyone pay bail for me. I am only recounting instances I had personal experiences with. A friend’s mom badly broke her leg in Vegas and needed a nurse to accompany her and fly her back to HI for surgery. The D had to immediately send the electronic check for...
by HIinvestor
Sun Jan 14, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 85
Views: 6972

Re: What is the best home exercise equipment?

Short answer is — the equipment you will use. When I was in my 40s, this was yoga mat and things related to my yoga exercising. For Christmas, D and S bought us a water rower, which we all enjoy and is pretty gentle to the joints while exercising 85% of your muscles. It can be stored upright so it t...
by HIinvestor
Sun Jan 14, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Any negatives to children going on a parents deed via a lady bird deed?
Replies: 7
Views: 792

Re: Any negatives to children going on a parents deed via a lady bird deed?

Hmmm, had never heard of a lady bird deed before—was never mentioned in law school. Perhaps it’s a more regional thing?

Do your parents say you and your sib can’t gave access if you’re not on lady bird deed? Many communities appear to grant access based on you being with a member of the community.
by HIinvestor
Sun Jan 14, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 61
Views: 3611

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

If your car is towed, cash is required to get it out of the tow yard. The longer it is kept there, the more cash needed as you are charged a storage fee. During power outages, cash is needed to pay—we were dining and the power went out. We had enough cash and paid the waiter and left. Folks with CCa...
by HIinvestor
Sun Jan 14, 2018 4:05 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting Vs Savings Rate
Replies: 45
Views: 2805

Re: Budgeting Vs Savings Rate

Dunno, sounds like the two of you have figured out something to try. We tried budgetting at different points of our life individually and as a married couple. Most of the time we really don’t but we have much more than we need and are happy with how we spend and save. We also each get $150 to $200 a...
by HIinvestor
Sat Jan 13, 2018 1:14 am
Forum: Personal Finance (Not Investing)
Topic: Trusts for adult Children
Replies: 200
Views: 9409

Re: Trusts for adult Children

This thread is fascinating. 2 brothers have been the beneficiaries of their sister’s estate. Initially many of the assets were held in a trust until final distribution, about 30 months after death. It was very useful to one brother to have access to the funds that were POD and life insurance, so it ...
by HIinvestor
Thu Jan 11, 2018 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: How much/little money to give kids in will so they continue to work
Replies: 95
Views: 7691

Re: How much/little money to give kids in will so they continue to work

We have gifted our children with amounts we consider significant (5 figures) in their 20s and they have used these funds prudently. We preferred to see how they will use the funds now rather than wait for some future date. We do not feel our gifts have lessened our kids interests in earning their ow...
by HIinvestor
Thu Jan 11, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: How much/little money to give kids in will so they continue to work
Replies: 95
Views: 7691

Re: How much/little money to give kids in will so they continue to work

Now that our kids are 28 and 30, I am reading “Beyond the Grave” to figure out what we’d like to do now for our kids. We will likely leave an estate of 7 figures unless we have extreme unexpected end if life expenses. These issues can create friction among beloved family members—if that can be avoid...
by HIinvestor
Thu Jan 11, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Best Sources to Buy Prescriptions Out of Pocket
Replies: 47
Views: 2615

Re: Best Sources to Buy Prescriptions Out of Pocket

I know many patients who get their medications from India, AllDayChemist.com. If they only order a 90 day or 180 day supply for personal use it is not confiscated. If it does get confiscated they let AllDayChemist.com know and are sent a new shipment. I ordered from them once because Zyrtec was very...
by HIinvestor
Wed Jan 10, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: How much/little money to give kids in will so they continue to work
Replies: 95
Views: 7691

Re: How much/little money to give kids so they continue to work

We did fund college so both could graduate debt-free. We have no regrets about that. I like that we were able to help them now, so they can enjoy the compound interest of investing for S and D can get the medical care she needs so hopefully she will be able to heal. Waiting another decade until they...
by HIinvestor
Wed Jan 10, 2018 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: How much/little money to give kids in will so they continue to work
Replies: 95
Views: 7691

Re: How much/little money to give kids so they continue to work

So much depends on the individual circumstances. We have one child who has 6 figures of tax-advantaged retirement accounts and 6 figures of regular investments in low cost broad index funds. The other has a medical disability and it is uncertain whether she will ever be able to hold a full-time job ...
by HIinvestor
Wed Jan 10, 2018 6:37 am
Forum: Personal Finance (Not Investing)
Topic: Executive Assistant
Replies: 8
Views: 846

Re: Executive Assistant

If the salary includes benefits, that sounds much more generous than our county of Honolulu. It could be a good position to check out other opportunities to potentially transfer to or apply for, while learning a lot. If possible, try to find out why the previous person left. What other options have ...
by HIinvestor
Mon Jan 08, 2018 10:24 pm
Forum: Personal Consumer Issues
Topic: The "Forever Home" Myth: Should I Plan on Buying 2 Homes?
Replies: 36
Views: 3262

Re: The "Forever Home" Myth: Should I Plan on Buying 2 Homes?

We rented a house from before I was born until my folks were able to buy a place when I was 8. They lived there for 80 years and have just now moved into a SR community. It was a great place to grow up and nice for them until it became just too much house to care for. Plan as best you can but flexib...
by HIinvestor
Mon Jan 08, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: The "Forever Home" Myth: Should I Plan on Buying 2 Homes?
Replies: 36
Views: 3262

Re: The "Forever Home" Myth: Should I Plan on Buying 2 Homes?

Life happens, in spite of our best plans. When we were single, I lived in an apartment near town that was very inexpensive. We moved to a 2-bedroom in same building shortly after marriage. When we were house hunting, we looked at lots of homes in suburbs and found a 3 bedroom place that H says he pl...
by HIinvestor
Mon Jan 08, 2018 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Trusts for adult Children
Replies: 200
Views: 9409

Re: Trusts for adults Children

As soon as the dust settles and CPAs and attorneys are pretty good about the latest tax laws that passed in 2017, we will be sitting down with our CPA and estate attorney to figure out what makes sense for our kids and our situation. Out “kids” are 28 and 30. So far, both seem very responsible with ...
by HIinvestor
Sun Jan 07, 2018 12:35 am
Forum: Personal Finance (Not Investing)
Topic: Downsizing to one car in retirement...
Replies: 68
Views: 3962

Re: Downsizing to one car in retirement...

We downsized from 3 cars back to 2 (were gifted one and after a few years were able to gift it back to same family member). It isn’t that much extra to us to have the 2nd car and it is handy, especially when our kids visit or we need to go to different events and don’t want to leave the other party ...
by HIinvestor
Fri Jan 05, 2018 1:08 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9582

Re: Effects of extreme cold weather

Brrr, reading all of this is making me cold! Hopefully this cold weather will get our kids to d code to move back closer to Honolulu, but we shall see. We are having nippy weather for us, but nothing compared to what others are experiencing. Hope everyone stays safe and keeps power and no one has pi...
by HIinvestor
Wed Jan 03, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: Recommend me a backpack for business use
Replies: 21
Views: 1222

Re: Recommend me a backpack for business use

You may wish to go to a few stores that carry several brands and bring a few of the larger things you’d want to carry in your bag to see how they’d feel in the bag when it’s loaded. I have the SwissGear weekender that I, H and D all got for Christmas. I purchased them at Sam’s club fit under $30 api...
by HIinvestor
Wed Jan 03, 2018 4:51 am
Forum: Personal Consumer Issues
Topic: Washer repair or replace?
Replies: 7
Views: 550

Re: Washer repair or replace?

We have a Maytag washer & dryer. Both are 30 years old and the mechanic who came to look them over recently said if they were his, he’d repair them until they could no longer be fixed. He says they are very simple to rep sir and much more durable than the newer models of alll brands. We paid $75 eac...
by HIinvestor
Wed Jan 03, 2018 4:26 am
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 128
Views: 11336

Re: Embarrassment Preventing Retirement Work: A factor for you?

One of the local medical centers that I have support group meetings monthly has a regular volunteer who staffs the information Desk. She retired from that med center and knows where things are as well as most staff and the lay out if the place. She’s very cheerful and helpful. I believe she has grea...
by HIinvestor
Wed Jan 03, 2018 4:25 am
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 128
Views: 11336

Re: Embarrassment Preventing Retirement Work: A factor for you?

One of the local medical centers that I have support group meetings monthly has a regular volunteer who staffs the information Desk. She retired from that med center and knows where things are as well as most staff and the lay out if the place. She’s very cheerful and helpful. I believe she has grea...
by HIinvestor
Tue Jan 02, 2018 10:39 pm
Forum: Personal Consumer Issues
Topic: use a personal hotspot on a plane?
Replies: 26
Views: 2121

Re: use a personal hotspot on a plane?

Yes, I would find that price a strong disincentive. I have never used WiFi on an airplane. I don’t need to be connected and am happy watching movies or reading.
by HIinvestor
Tue Jan 02, 2018 10:38 pm
Forum: Personal Consumer Issues
Topic: use a personal hotspot on a plane?
Replies: 26
Views: 2121

Re: use a personal hotspot on a plane?

Yes, I would find that price a strong disincentive.
by HIinvestor
Tue Jan 02, 2018 4:27 am
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 128
Views: 11336

Re: Embarrassment Preventing Retirement Work: A factor for you?

I know some folks who retired from their full time careers and are doing various paid and unpaid activities now. None are doing it for the money—one was wondering Jung at Costco, one working part-time at local hardware store, one reading newspapers for visually impaired, some working/volunteering fo...
by HIinvestor
Sun Dec 31, 2017 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 95
Views: 5637

Re: Keeping a checkbook register

I keep several different checkbook registers, one for each checking account. I don't use any of the numerous online programs to track our checking accounts on a regular basis. I have one checking account as the primary for H & myself. Most of our funds cycle through that account. I have one checking...
by HIinvestor
Fri Dec 29, 2017 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement Planning Advice
Replies: 43
Views: 4038

Re: Early Retirement Planning Advice

A biggie to be sure to include is medical insurance—make sure you can pay premiums, deductibles and out of pocket costs until you qualify for Medicare A&B at 65, and that you can afford supplemental or gap policy with Medicare.
by HIinvestor
Fri Dec 29, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3239
Views: 942016

Re: What Movie Have You Recently Watched?

The movie I enjoyed most this year was Wonder Woman, seen in the theater. It was well done and enjoyable. Well-directed and I enjoyed watching Gal Gadot. Monument Men was also excellent ( saw it free on the airplane), as was Hidden Figures. I also saw and enjoyed to varying degrees the following (in...
by HIinvestor
Fri Dec 29, 2017 3:24 am
Forum: Personal Finance (Not Investing)
Topic: Should I carry home owners insurance?
Replies: 36
Views: 2370

Re: Should I carry home owners insurance?

After we had a major hurricane in our state, our homeowners policies no longer included hurricane damage. If you wanted hurricane coverage (and lenders required it), you had to buy a separate policy. The price of each of those separate policies was MUCH more than the price our homeowner’s policy was...
by HIinvestor
Thu Dec 28, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: Diamonds are forever.
Replies: 59
Views: 4445

Re: Diamonds are forever.

OP, sounds like you have nice options. I still have my ring from 1985 and wouldn’t want any upgrade myself. The ring still is just right for me and I rarely ever take it off.

I’m sure you and your W will make choices that work for the two of you.
by HIinvestor
Wed Dec 27, 2017 4:11 am
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 40
Views: 6861

Re: This is Unbelievable - another Vanguard customer support odyssey

:annoyed I’d be pretty concerned if I had as much trouble completing what sound like fairly simple transactions. I have had very few issues getting Schwab and and Fidelity to complete my transactions as desired. I like that Schwab still has a bricks & mortar branch in my city. Good luck—hope you are...
by HIinvestor
Tue Dec 26, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Deduction Question
Replies: 21
Views: 1741

Re: Charitable Deduction Question

Most charities are happy to send a letter indicating you donated $$$$$ in whichever year you’d like them to credit you for. They can send you the letter in Habuary, Thanksgiving ng you for the $$$ donation in 2017.
by HIinvestor
Mon Dec 25, 2017 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRAs - Can they pull a switch-a-roo?
Replies: 34
Views: 3200

Re: Roth IRAs - Can they pull a switch-a-roo?

Sure, rules can be changed but one can only plan the best she can with the rules as they are when plans are made. For right now, Roth IRAs are excellent for many folks but not as good for some others.
by HIinvestor
Sat Dec 23, 2017 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for month of the year to retire
Replies: 33
Views: 2511

Re: Strategy for month of the year to retire

H retired 12/31. It was when his retirement hit its max. It also was when we finished paying our mortgage and most of the kids’ college tuition and expenses. He then worked an extra 6 months to help with transition and was paid pension and salary. It worked out well for us.
by HIinvestor
Sat Dec 23, 2017 8:12 pm
Forum: Investing - Theory, News & General
Topic: Early retirement pros and cons:
Replies: 58
Views: 6705

Re: Early retirement pros and cons:

We have been FI for some years now. H officially retired in 2012 and then went back to work for another 6 months. He’s happily fully retired now and mostly loved his job. I’m running a nonprofit I started and have been doing so since 2007. It’s partly a job, partly a hobby. We have great medical cov...
by HIinvestor
Sat Dec 23, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Medicare Medical Insurance
Replies: 21
Views: 1319

Re: Medicare Medical Insurance

Here’s the link for how Medicare B premiums are assessed for 2017:

https://www.medicare.gov/your-medicare- ... costs.html
by HIinvestor
Thu Dec 21, 2017 4:24 am
Forum: Personal Finance (Not Investing)
Topic: A meal with friends yields a financial revelation
Replies: 95
Views: 11725

Re: A meal with friends yields a financial revelation

I realize that when money was tighter and we were barely treading water paying our mortgage and college tuitions and expenses, I was much more concerned about all expenses and income. Once those were paid off, the financial load has greatly lifted, even more once S got a secure job with good benefit...
by HIinvestor
Wed Dec 20, 2017 10:04 pm
Forum: Personal Consumer Issues
Topic: Toys R Us online order warning
Replies: 21
Views: 1968

Re: Toys R Us online order warning

If you used a CCard, you can dispute the charge to the extent you paid for the expedited shipping, explaining the situation and should get that refunded.
by HIinvestor
Wed Dec 20, 2017 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Availability of health care providers - how to factor this in a move?
Replies: 77
Views: 4012

Re: Availability of health care providers - how to factor this in a move?

We plan to retire in our very HCOL area, which is where we’ve lived nearly all our lives and our friends and family live here too. Yes, I wish we had better transit options but Uber and Lyft and taxis are abundant here and we do have a bus system. I agree that good access to high quality medical car...
by HIinvestor
Wed Dec 20, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Planning - 11 days to donate "stuff" from garage/basement
Replies: 27
Views: 2021

Re: Tax Planning - 11 days to donate "stuff" from garage/basement

I agree that I detailed loads of clothing are likely $1/clothing piece of similar. IRS will probably argue if you claim any significant sum without photos, documentation, etc.
by HIinvestor
Wed Dec 20, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Planning - 11 days to donate "stuff" from garage/basement
Replies: 27
Views: 2021

Re: Tax Planning - 11 days to donate "stuff" from garage/basement

Depends on what you’re donating. The year we were donating TV, computers, rocking chair, futon, formal gowns, I looked up prices of comparable items on eBay, Craigslist and printed it and deducted those amounts. For cars and similar, you need a receipt from charity you donated it to for FMV (general...
by HIinvestor
Tue Dec 19, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Hotel $50-500/night Expectations
Replies: 44
Views: 3005

Re: Hotel $50-500/night Expectations

Yes, location, location, location affects what you can get and the pricing. If you’re not too picky, you can take your chances in a lot if cities and end up with some nice surprises in lodging on Hotwire or Priceline. We got a 3 night stay at a very nice suite hotel near Pamona for relatives graduat...
by HIinvestor
Tue Dec 19, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Availability of health care providers - how to factor this in a move?
Replies: 77
Views: 4012

Re: Availability of health care providers - how to factor this in a move?

We live in Honolulu which has a population of over 1million but I and D still get care out of state because while we do have some very good specialty providers they don’t have the same volume and experience as National centers like National Jewish, STANFORD and UCSF. We are willing and able to trave...
by HIinvestor
Mon Dec 18, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: US National Parks
Replies: 36
Views: 3065

Re: US National Parks

We have been to most of the national parks you mention. We have spent only one or two nights at each (lodging inside each park), and found that for US being constantly on the move was very tiring. Some folks like that quick pace but we found we felt we were mostly seeing the inside of our rental car...
by HIinvestor
Mon Dec 18, 2017 4:38 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing childhood home from my parents (for us to live in)
Replies: 18
Views: 2452

Re: Purchasing childhood home from my parents (for us to live in)

My H also has a decades-long connection with the family home he grew up in. He really has a huge problem when he needs to have ANY changes made to the home. He wants the original paint color to always be used, he also wants to replace things with as similar things as possible. I agree that it can be...
by HIinvestor
Sun Dec 17, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Assistance to Adult Child (health insurance)
Replies: 107
Views: 5795

Re: Financial Assistance to Adult Child (health insurance)

I think gifting your child with medical insurance is a wonderful and kind act. I’m sorry she has debt and hasn’t been able to figure out how to live below her income. There are many in similar circumstances but that isn’t very helpful. We have always made medical insurance a priority for ourselves a...
by HIinvestor
Sun Dec 17, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: What are the negatives of inheriting a Roth IRA - if any? (Non Spousal)
Replies: 11
Views: 1144

Re: What are the negatives of inheriting a Roth IRA - if any? (Non Spousal)

Agree that if you’re at a high tax bracket, you and your CPA may want to run the calculations to determine whether or not converting tIRA to Roth makes fiscal sense. For sone folks and situations it does—for others it really doesn’t. It doesn’t fit us.