Search found 1550 matches

by HIinvestor
Thu Jul 19, 2018 4:40 am
Forum: Personal Finance (Not Investing)
Topic: Should I get a warranty for my new glasses?
Replies: 23
Views: 958

Re: Should I get a warranty for my new glasses?

I like using the free extended warranties that I get by purchasing things with our CCards. Many cards have free extra year or two warranty if you purchase using their cards. I have had extended warranties on two cars in my life and got more than the price of the warranty both times as the transmissi...
by HIinvestor
Thu Jul 19, 2018 4:34 am
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 58
Views: 7180

Re: Be Careful Using Mailboxes

Thanks--I have delegated working with the IRS to straighten out their confusion to the CPA. He has experience dealing with them and I have none. We prepaid for any little snafus and he's happy to get things worked out promptly. I'm sure he and his office will let us know what the issue with the IRS ...
by HIinvestor
Thu Jul 19, 2018 4:03 am
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 58
Views: 7180

Re: Be Careful Using Mailboxes

Ive seen mailboxes with stickers and graffetti but never attacked with a crowbar or forced open. I’ve never felt insecure by putting mail in the metal USPS mailboxes I see around town. So far it has never been a problem.
by HIinvestor
Thu Jul 19, 2018 3:50 am
Forum: Personal Finance (Not Investing)
Topic: Should I get a warranty for my new glasses?
Replies: 23
Views: 958

Re: Should I get a warranty for my new glasses?

Costco will replace glasses within the 1st year at no charge—scratched, broken, coating coming off, etc. They’re also much cheaper than many other locations. My titanium frame glasses were 1 pair or Rx regular glasses and 1psir polarized prescription sunglasses for about $250 or so. They’re so reaso...
by HIinvestor
Thu Jul 19, 2018 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 74
Views: 6797

Re: Salary vs. Lifestyle

Agree that $$$ isn’t everything. One of the people on my message board was MD who burned out and switched to teaching and is much happier tho he earns much less.
by HIinvestor
Thu Jul 19, 2018 12:02 am
Forum: Personal Consumer Issues
Topic: sams club - new member
Replies: 22
Views: 1407

Re: sams club - new member

They have good prices on down pillows, when they are in stock. They also have some deals on electronics and furniture as well as clothing and even some kitchen knives. Their selection is a bit different from Costco. I bought some nice daypacks there for Christmas. Their cookies are pretty good too a...
by HIinvestor
Wed Jul 18, 2018 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 74
Views: 6797

Re: Salary vs. Lifestyle

H had a 45 year career. Throughout his career, there were "promotions" with higher salaries and more supervising positions that he COULD have applied for but he would research all he could and determined that there were reasons for the openings, like a LOT of stress at the position that became vacan...
by HIinvestor
Wed Jul 18, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30159

Re: Concierge medicine Worth It????

Dunno, H and I were going to a very busy practice owned by 2 internists. My allergist and her Ophthamologist husband own a practice together. My Ophthamologists own their separate practices. I believe our state has more small practices than many other areas. Our state also has very few concierge MDs...
by HIinvestor
Wed Jul 18, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30159

Re: Concierge medicine Worth It????

I think the doc’s billing staff just knew they were having problems getting paid when H was signed up for A + his BCBS. For some reason they kept trying to process his claims thru Medicare B, which H didn’t have and it kept getting rejected so we’d have to keep telling them to please just process it...
by HIinvestor
Wed Jul 18, 2018 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Received IRS notice CP 2000 asking more tax. Need help.
Replies: 18
Views: 1563

Re: Received IRS notice CP 2000 asking more tax. Need help.

The IRS seems to be spewing out a lot of notices, trying to get payments this year, even though many of them are WRONG. I received one jointly with my H, plus we each got it individually as well. My CPA says a number of his clients have received similar notices. I’d double-check that you’ve properly...
by HIinvestor
Tue Jul 17, 2018 11:14 pm
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 65
Views: 3104

Re: 35 minute connection for flight, long enough?

I would never book that short a connection. I prefer connections of 90 minutes but have taken some slightly under 1 hour. I’m always nervous with short connection times and finding another flight during busy holiday season due to your missed connection is unpleasant! I rather pay more and/or have ti...
by HIinvestor
Tue Jul 17, 2018 10:53 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 137
Views: 8675

Re: Why own a bed?

@audioaxes, have you considered you may have allergies to dust and dust mites? I do and thought everyone woke with headache, stuffed nose, runny nose. Once I finally started using allergy control barriers and mattress/box spring encasings, my nasal passages and sinus symptoms pretty much vanished! I...
by HIinvestor
Tue Jul 17, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 137
Views: 8675

Re: Why own a bed?

When I first moved from my parent’s house to my apartment, I just brought a folding foam mattresss and eventually upgraded to my twin bed mattress on the floor. At some point after a few years, I finally bought a full bed on a cheap metal frame with a box spring. My spouse Much prefers having a bed ...
by HIinvestor
Tue Jul 17, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Benefits of using CPA for taxes
Replies: 31
Views: 3948

Re: Benefits of using CPA for taxes

Our CPA has a staff of accountants but her personally checks every return that is filed and makes sure it is correct. He’s an enrolled agent and several of his staff are working to become CPAs as well. I have been happy with them. They are handling my squabble with the IRS, where IRS claims we didn’...
by HIinvestor
Tue Jul 17, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30159

Re: Concierge medicine Worth It????

We are fortunate that H’s former employer provides us a lifetime BCBS family plan (or during open season we could switch to a different plan), where we pay a portion of the premiums and employer pays a portion. This is what H has to go with his A+B plans. Works perfectly for us. Some of his former c...
by HIinvestor
Tue Jul 17, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 2613

Re: Would you pay $120 for a 5 year dishwasher warranty?

I have never bought extended warranties with one exception. I did get the dealer to throw in a free extended warranty on my Oldsmobile when I had multiple repairs in the first few years of ownership, including having to get the transmission replaced. I bought an extended warranty from the dealer on ...
by HIinvestor
Tue Jul 17, 2018 2:46 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30159

Re: Concierge medicine Worth It????

The risk of having no MediGap and no Medicare Advantage plan is there is NO cap for your out of pocket medical expenses with regular Medicare A&B. Having a MediGsp or Medicare Advantage plan would cap your out of pocket. 20% of a huge medical bill is still a huge $$$$$.
by HIinvestor
Tue Jul 17, 2018 2:41 am
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 76
Views: 4883

Re: Families - What's your total annual credit card spend?

When we had kids in college, we put their tuitions, expenses and student housing. When we had 2 kids in college, it was VERY high. Honestly, haven’t totaled it then or now. I’m guessing it’s now probably about $100K or so for 2 adults, very high COL area. We also write checks, which aren’t included ...
by HIinvestor
Mon Jul 16, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 114
Views: 6281

Re: Anyone not have a Budget?

Shortly before H retired, I did complete a worksheet online, roughly guesstimating income vs expenses pre-retirement vs post retirement. It looked very do-able, so we proceeded and we have had no financial issues in retirement, in fact have been much more comfortable financially than at any point in...
by HIinvestor
Mon Jul 16, 2018 4:46 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 301
Views: 37953

Re: MoviePass-Too good to be true, but it's legit.

Our local theater chain has instituted $7 movies at most of its theaters for M, Tu, W, which is significantly lower than their "regular prices" which are for the other days. They also have discount pricing for SRs, military, children, but none as low as the $7/film. We use this when we want to watch...
by HIinvestor
Sun Jul 15, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 114
Views: 6281

Re: Anyone not have a Budget?

H and I get petty cash of $150-200/month apiece. When times were lean, that was it for discretionary spending. Now that we have more discretionary income, we are fine with charging discretionary expenses as well, so we limit our spending by how much we want or need the item. We do roughly eyeball ou...
by HIinvestor
Sun Jul 15, 2018 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: How to find a good CPA?
Replies: 7
Views: 470

Re: How to find a good CPA?

I agree referrals are a good way to get professional help. We got our bookkeeper as a referral from our insurance broker, whom we are very pleased with. Our current CPA is a referral from our former CPA who has since died. I agree that it’s good to ask businesses of a similar size to yours if they c...
by HIinvestor
Sun Jul 15, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 114
Views: 6281

Re: Anyone not have a Budget?

What’s this thing called a budget you speak of? Other than spending less than we have coming in, we have never had a budget yet. It’s worked for H and me for many decades and for a long time when each of us was single. I do have to create budgets for my nonprofit when I apply for grants, but that’s ...
by HIinvestor
Sun Jul 15, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30159

Re: Concierge medicine Worth It????

I do realize that since both my lung and internal med docs have privileges at the same one hospital if I am ever hospitalized it will likely be at that hospital which is th e closest to our home anyway. I agree that if your doc doesn’t have privileges at the hospital you are admitted to, I can’t see...
by HIinvestor
Sun Jul 15, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30159

Re: Concierge medicine Worth It????

By the way, I believe the new Shingrix vaccine (2 part series) IS covered by Medicare. My folks and H both have Medicare. I believe there may be a $30 copay per injection as I paid that on my folks behalf per person before insurer said it was covered and I should be reimbursed and pharmacy reimburse...
by HIinvestor
Sun Jul 15, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Do insurance agents add value? How?
Replies: 24
Views: 1453

Re: Do insurance agents add value? How?

We have an independent insurance broker. They do inform us if we have gaps I. Our insurance protection and make recommendations about filling those gaps. They also notify us if we are late in paying any premium. They will also check around and get us additional quotes for any policies if we are inte...
by HIinvestor
Sun Jul 15, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 65
Views: 3664

Re: Are Credit Cards Actually Convenient?

I’ve rarely had my cards declined and not many fraudulent transactions of them either in many decades of using them for nearly everything. Every once in awhile (maybe once every year or two), it is declined (or so the cab driver says) and we pay cash, but otherwise we find it much more convenient th...
by HIinvestor
Sat Jul 14, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 58
Views: 7180

Re: Be Careful Using Mailboxes

Our CPA said IRS rejected a few clients checks when they didn’t write full SSNs on them. We just put last 4 digits but didn’t even like providing that info. I wouldn’t put mail into a box that was already full and overstuffed and see no point in doing so. I’ve never bought any special pen for writin...
by HIinvestor
Sat Jul 14, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Anyone been to Molokai lately?
Replies: 7
Views: 1282

Re: Anyone been to Molokai lately?

The last time I went to Molokai was about 8 years ago. People are friendly, lots of tasty comfort food. We stayed at a VRBO condo for a reasonable price—4 of us. We were there for a health fair. The people seemed grateful for the health services we offered for free. We listened to music and had a dr...
by HIinvestor
Sat Jul 14, 2018 2:24 am
Forum: Personal Consumer Issues
Topic: How much does your accountant cost?
Replies: 21
Views: 2045

Re: How much does your accountant cost?

I really like having the CPA handle our taxes—the peace of mind and someone to handle any hassles with IRS or local tax office is worth it to us! It’s less than $1,000 for our personal return and less than $1,000 for a partnership K-1. Yes, we COULD do it but are happy to delegate those tasks.
by HIinvestor
Sat Jul 14, 2018 2:21 am
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 58
Views: 7180

Re: Be Careful Using Mailboxes

My CPA says we are his only client who insists on NOT writing checks with our tax returns but always paying online thru e-check or CCard. It just feels safer NOT to write both our full SS#s on the check as IT’S required. Sadly, the IRS is claiming we didn’t pay them even though we have a receipt fro...
by HIinvestor
Fri Jul 13, 2018 11:22 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30159

Re: Concierge medicine Worth It????

Some attorneys get retainers so they will be regularly available for their clients but many attorneys charge by the hour and may give varying discounts to favored clients. Many attorneys also burnout with caseloads that are way too high to be manageable. Some attorneys are on contingency basis and o...
by HIinvestor
Fri Jul 13, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30159

Re: Concierge medicine Worth It????

It does make sense to see what refreshments are to be served. If I were invited, I’d attend to see what I’d said and perhaps take some notes. I’d go home afterwards and ponder with other patients, check the alternatives and decide whether for ME and my family, it was worth the extra price. I do know...
by HIinvestor
Thu Jul 12, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Prepaid cell phone plan vs Regular Contract Plan
Replies: 26
Views: 2090

Re: Prepaid cell phone plan vs Regular Contract Plan

We have the T-Mobile 55+ plan—if on autopay, it’s $60/month for 2 lines including all taxes and fees for unlimited voice, text and data, including international text and data. I also have my nonprofit on a T-Mobile prepaid legacy plan. It’s about $10-100 every year. Calls are $.10/minute or $.10/tex...
by HIinvestor
Sun Jul 08, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Continuing Care Community versus 55 + (no LTC and modest assets)
Replies: 61
Views: 3876

Re: Continuing Care Community versus 55 + (no LTC and modest assets)

Would renting a place be an option that might work for them? They could save the proceeds from the sale of their home and rent while the bulk of it is conservatively invested. They could rent a smaller one level place that they could safely age in place in rather than a huge place that takes a lot o...
by HIinvestor
Fri Jul 06, 2018 9:33 pm
Forum: Personal Consumer Issues
Topic: Going solar?
Replies: 73
Views: 5463

Re: Going solar?

For us, the system was under $12k and the fed govt paid 35% and state paid 35%. Our electric bill was a bit over $100 on average and is now under $20. We also put in a solar water heater and got 35% + 35% rebate on that as well. We have no regrets. Shortly after we installed our household photovolta...
by HIinvestor
Thu Jul 05, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Good scanner for paperless (or less paper) office?
Replies: 30
Views: 1262

Re: Good scanner for paperless (or less paper) office?

I’ve used the all-in-one multipurpose machines from Costco as well as NeatReceipts. Both work but I prefer the full function machines (right now we have HP8600) even tho they’re larger. They also allow me to make copies and fax (yes, faxes are still important in this day and age for some things). Ne...
by HIinvestor
Wed Jul 04, 2018 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Do We need health insurance??
Replies: 94
Views: 6110

Re: Do We need health insurance??

Our neighbors BOTH had cancer at the same time. The W had hers successfully treated. The H had treatment but it recurred, so it was treated again and now his insurer is paying for both of them to fly and stay in NY to get stem cell treatment at Sloan Kettering there! Their insurance is covering all ...
by HIinvestor
Tue Jul 03, 2018 11:46 pm
Forum: Personal Consumer Issues
Topic: Continuing Care Community versus 55 + (no LTC and modest assets)
Replies: 61
Views: 3876

Re: Continuing Care Community versus 55 + (no LTC and modest assets)

CCRCs can also vary on their waiting lists. Our relatives were on the waiting list for 4 years before they were finally allowed to pay their big (7 figure) entry fee. It has been a mixed blessing—not quite as they had envisioned but they are pretty happy there and it’s close to all of their children...
by HIinvestor
Tue Jul 03, 2018 11:30 pm
Forum: Personal Consumer Issues
Topic: Where to Find Sandals with Adjustable, Velcro Straps for Older Lady
Replies: 18
Views: 897

Re: Where to Find Sandals with Adjustable, Velcro Straps for Older Lady

The velcro sandals my elder likes best is a nice pair from Nordstrom’s. I believe they’re having a sale currently as well. They’re adjustable, comfortable and on the dressier side with no heel.
by HIinvestor
Tue Jul 03, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Do We need health insurance??
Replies: 94
Views: 6110

Re: Do We need health insurance??

Past health is no guarantee of FUTURE health status, just like past performance of stocks is no guarantee of future performance of stocks.
by HIinvestor
Tue Jul 03, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Do We need health insurance??
Replies: 94
Views: 6110

Re: Do We need health insurance??

When one gets diagnosed with a chronic condition, it can mean many years (in my case nearly 18 with no end in sight) of medications. I feel I have an excellent quality of life, WITH my medications AND my MDs. Without my insurance, paying for the medications AND the MDS would be quite costly, certain...
by HIinvestor
Tue Jul 03, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Fed survey: 40% of adults cannot cover a $400 emergency expense
Replies: 48
Views: 4994

Re: Fed survey: 40% of adults cannot cover a $400 emergency expense

In our state, half the kids attending public school are on free or reduced lunch. When your funds are low and the cost of living is high (as it is in our state), there really isn't all that much money to save or budget. I'm really not sure what each of us individually are supposed to do with this in...
by HIinvestor
Mon Jul 02, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance for Retirees, % escalation
Replies: 34
Views: 2380

Re: Health Insurance for Retirees, % escalation

Thanks—you make a good point that ultimately after appeals THIS batch of bills were covered. It is important to read the fine print and understand what is and is not covered and understand you may have to fight no matter what plan you have. We have excellent coverage with FEHB but have had to fight ...
by HIinvestor
Mon Jul 02, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance for Retirees, % escalation
Replies: 34
Views: 2380

Re: Health Insurance for Retirees, % escalation

Here’s an article about someone who ended up with a 5 figure uncovered Medí-share bill for cancer—but did ultimately get it covered. Buyer beware!

https://www.google.com/amp/s/m.huffpost ... d6754b/amp
by HIinvestor
Mon Jul 02, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance for Retirees, % escalation
Replies: 34
Views: 2380

Re: Health Insurance for Retirees, % escalation

We have FEHB from H’s 45 career with the fed govt. Our charge of the premiums haven’t changed much from before he retired in 2012 through now, 2018. The fed govt still pays its share of the premiums and we pay the balance. We have chosen to also have H covered by Medicare A and B, but know some othe...
by HIinvestor
Mon Jul 02, 2018 4:25 am
Forum: Personal Finance (Not Investing)
Topic: ? - Keep emergency credit cards for adult children - Good idea or bad?
Replies: 18
Views: 1645

Re: ? - Keep emergency credit cards for adult children - Good idea or bad?

As an adult child, I have to say, I really would prefer my parents kept their finances totally separate from ours. It just keeps everything MUCH neater. My relative has investment accounts that his adult offspring are listed on — one for each of offspring. It really messes up tax prep and calculatio...
by HIinvestor
Mon Jul 02, 2018 4:18 am
Forum: Personal Consumer Issues
Topic: Rented car, got rear ended - hit and run
Replies: 20
Views: 2215

Re: Rented car, got rear ended - hit and run

We have Chase Sapphire Preferred. We had our rental SUV’s rear window smashed and our son’s backpack with electronics and wallet was stolen. We called the police, made a police report, went back to the airport to get another vehicle. The car rental company was very understanding and let us chose wha...
by HIinvestor
Sat Jun 30, 2018 4:28 am
Forum: Personal Consumer Issues
Topic: Anyone use T-mobile cell network?
Replies: 32
Views: 1794

Re: Anyone use T-mobile cell network?

We have been with Tmobilr now for several years, after having AT&T and Verizon and Sprint. We have been happy with the 55+ plan—2 lines with unlimited voice, data and text for $60! Reception has been fine most of the time. We are mainly in big cities but it was also fine when we were driving through...
by HIinvestor
Sun Jun 24, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 11718

Re: When did you start flying business class?

We fly economy plus most of the time and that works well for us. The price of economy plus is worth the extra space to us. We used to fly first class domestically when we could get the tickets at great prices (just a few hundred dollars more per ticket). Pretty much all flights from HI are > 5 hours...