Search found 372 matches

by Naismith
Thu Aug 16, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Celebrating the day you retired
Replies: 46
Views: 3137

Re: Celebrating the day you retired

How did you celebrate the day you retired? My father will retire at the end of the month from his executive post but will continue to consult on the side in the future. I had to smile at this, because a lot of us are doing that kind of not-quite-fully retiring, and it makes it hard to know when the...
by Naismith
Wed Aug 15, 2018 6:38 am
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 151
Views: 14697

Re: As an American, where are some great places in the world to retire?

I'm a 63-year-old living in Indonesia. My spouse and I are serving as full-time missionaries for our church. So we are retired from our former paid career, but are here sponsored by our church, which provides the visa. There is a visa program for retirees, but you have to hire a local maid and a few...
by Naismith
Tue Aug 07, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: A week in Budapest?
Replies: 22
Views: 1546

Re: A week in Budapest?

Good suggestions so far. Rick Steves' Europe phone app has some free audio guides we used. The train station has luggage lockers, which we used the last day after we checked out of our B & B, before heading to Margaret Island. We bought the Parliament tour tickets online before going. I loved the Hu...
by Naismith
Wed Aug 01, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Storing Cord Blood For New Baby
Replies: 13
Views: 1604

Re: Storing Cord Blood For New Baby

There may be a discount if there is a compelling reason. One grandchild had leukemia as a baby, and when the next child was born, they were able to bank the cord blood at a reduced cost. That first child survived, and the cord blood has not yet been needed.
by Naismith
Tue Feb 20, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: OTC supplements without huge bottles?
Replies: 10
Views: 864

OTC supplements without huge bottles?

This is a first-world problem, literally. I am preparing to leave for 18 months, serving a full-time mission for my church in Southeast Asia. We are not allowed to ship any medications including supplements, because the local post office will either not deliver or charge a bribe. Some of them do not...
by Naismith
Thu Dec 14, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Concert Decision and Advice
Replies: 41
Views: 2886

Re: Concert Decision and Advice

I usher for the premiere concert venue in our area, which gets me in free for shows. I am not familiar with your particular situation, but based on what I see at my place, it may be a different experience in different parts of the concert hall. Our "upper box" seats do not cost much more than the me...
by Naismith
Wed Dec 13, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to live on one income?
Replies: 70
Views: 6537

Re: Can we afford to live on one income?

Personally, just given how I am, I would really be uncomfortable if our financial security totally depended on me all of the time. We couldn't have any biological children if my spouse took this approach. I am very ill during pregnancy and not able to hold a paid job during that season. I'm gratefu...
by Naismith
Sun Dec 10, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to live on one income?
Replies: 70
Views: 6537

Re: Can we afford to live on one income?

But I have a colleague who is from a place where women usually stay at home after marriage. He is still working very hard at 65 because he still has a big mortgage. There is a huge difference between "staying home after marriage" and being at home fulltime for a few years with a young child. I retu...
by Naismith
Tue Dec 05, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Spousal Benefit
Replies: 23
Views: 2808

Re: Social Security Spousal Benefit

dunno if the above was a typo or if you are indeed confusing spousal and survivors benefits? They are completely different things. Low earner can take spousal or their own benefit for a while, and later switch to survivor benefits when higher earner spouse passes. If the person is born before Jan 2...
by Naismith
Tue Nov 21, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: Recommend a daily driver
Replies: 43
Views: 2680

Re: Recommend a daily driver

Reading the replies I don't get the impression they are from people who regularly drive 3-4 hrs at a time in stop & go traffic. But the OP said 3-4 hours AND stop & go traffic. I assumed those were two different tasks: stop & go near campus, and then a 3-4 hour trip on the weekends to get home. And...
by Naismith
Sun Nov 19, 2017 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Southeast Asia trip - Cash handling
Replies: 19
Views: 1665

Re: Southeast Asia trip - Cash handling

In addition to using ATMs inside banks, another safe place is inside a shopping mall, where they have an ATM room with an armed guard. The other great thing about the ATM room at a mall is that you can look often look around and see what denominations are being offered, with signs on various machine...
by Naismith
Thu Nov 16, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 6444

Re: Fair way to split expenses?

A paycheck or other income is only one way of contributing to the family finances. I'm glad that my partner recognizes my other contributions. Because of our differing jobs, I have more ability to save in tax-deferred, since I can contribute to both a 403(b) and 457. So there are times that I got le...
by Naismith
Tue Oct 31, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Non Stick frying pan
Replies: 73
Views: 7466

Re: Non Stick frying pan

I only use All-Clad and my trusty Lodge cast iron for cooking anything. Just use oil or spray and you will be fine. I heartily endorse cast iron for cooking eggs as the OP was asking, and a huge plus is that you can use metal spatulas rather than the wimpy ones for non-stick pans. I love a long met...
by Naismith
Mon Oct 30, 2017 7:39 am
Forum: Investing - Theory, News & General
Topic: Charles schwab - why so much cheaper?
Replies: 53
Views: 11020

Re: Charles schwab - why so much cheaper?

No catch. We are with Vanguard but I'm considering Schwab, maybe to start with a checking account and brokerage. Their free robo is enticing as well. The service is supposed to be excellent as well. Like many, we have used Vanguard for years, but opened a Schwab checking account for overseas travel...
by Naismith
Wed Oct 25, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 68
Views: 6155

Re: what is your weekly workout routine?

Oh, re Naismith saying "I could be missing something, but your exercise sounds like a chore--I am not hearing any fun there. What are some fun things you could do that also provide exercise?" I hate exercise! But I do it. I feel better. It's no fun for me. I've never experienced an endorphin rush. ...
by Naismith
Mon Oct 23, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 68
Views: 6155

Re: what is your weekly workout routine?

I am currently on: one day weight training (45 minutes+ 15 minutes stretching), next day (40 minutes aerobic-stairmaster and treadmill+15 minutes stretching), then one day off, then repeat. Looking for something on my days off and add variety and intensity to my workout, but still gives my body tim...
by Naismith
Fri Oct 20, 2017 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Need investment advice since wife became stay-at-home mom
Replies: 19
Views: 2240

Re: Need investment advice since wife became stay-at-home mom

How's your life insurance and disability insurance situation? If something were to happen to the breadwinner, wife would either need to go back to work or have another source of income.... This is an excellent point. Very important to consider that aspect as well. But depending on the particular si...
by Naismith
Fri Oct 20, 2017 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Need investment advice since wife became stay-at-home mom
Replies: 19
Views: 2240

Re: Need investment advice since wife became stay-at-home mom

..... it could be quite a while before she gets back to full-time employment with access to a 401(k). Full-time employment may not be necessary for her to have access to a 401k. I have been able to save over $400,000 in retirement accounts during decades of part-time employment since our youngest e...
by Naismith
Thu Oct 05, 2017 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 4706

Re: Cash in a local bank or credit union

I also keep $1000 in the local credit union. I use the credit union for notary service and Medallion Signature guarantees. Also, they are one of my oldest accounts (20+ years), which helps my credit score. But it is amazing how many places we need a notary nowadays. School permission slips for field...
by Naismith
Mon Sep 25, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Older or younger people travel around?
Replies: 31
Views: 3745

Re: Older or younger people travel around?

When we were in Prague a few weeks ago, we did a 22-mile bike ride out to a castle, and it was an English-speaking tour, so folks from Australia, England, as well as USAmerica. We were the oldest of the bunch, being in our early 60s. But we mostly kept up. My husband's bike chain broke, and the guid...
by Naismith
Tue Sep 19, 2017 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 30237

Re: Calling out the not so rich bogleheads

One of the topics is wealth and about how (as a general measured principle) you will tend to stay at the same economic level that you come from. You may go down a bucket or up a bucket, but the trend is not to leap upwards several buckets. Okay, but this assumes that buckets stay the same over time...
by Naismith
Tue Aug 29, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Ally debit card for ATM withdrawals outside the United States
Replies: 25
Views: 6026

Re: Ally debit card for ATM withdrawals outside the United States

For debit cards, we use CapitalOne360 (no FTF), Schwab (no FTF), and Ally (1% FTF). Our real-life experience in the past 5 years (Iceland, China, Ecuador, Argentina, Indonesia, Italy, Greece) is that the actual cost of using the Ally card is pretty much the same as the others. Schwab supposedly reim...
by Naismith
Sun Aug 27, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: Three days in Prague during September
Replies: 19
Views: 2172

Re: Three days in Prague during September

One thing I didn't like about Prague is that I felt the tourist areas were way overdone as super tourist areas. I think it has probably lost some authenticity versus what it might have been like a few decades earlier. Part of that is the geography, that most of the Prague tourist sites are close to...
by Naismith
Sat Aug 26, 2017 11:36 pm
Forum: Personal Consumer Issues
Topic: Three days in Prague during September
Replies: 19
Views: 2172

Re: Three days in Prague during September

I am also going to be in Prague for three days next month! One of the challenges we hit was that the Dvorak festival is going on for most of September. We were surprised that hotel rates go up after September 1, but that was why. Our first choices were also booked. A top priority for us is doing som...
by Naismith
Wed Aug 23, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Eclipse Traffic: predictions vs reality?
Replies: 64
Views: 6428

Re: Eclipse Traffic: predictions vs reality?

At the Salt Lake City airport on Monday night, we talked to someone who had needed 7 hours to drive from Driggs Idaho (eastern part of state), which is usually 3.5 hours. His family members barely made their flight because he returned the rental car for them. We were in Swan Valley, Idaho, had left ...
by Naismith
Thu Aug 17, 2017 4:08 pm
Forum: Personal Consumer Issues
Topic: Little P**S Ants
Replies: 59
Views: 9834

Re: Little P**S Ants

Most ants live outside, but they wander inside and lay down a pheromone (scent) trail that others follow. So try to see where they are entering the house, and spray both inside and outside with something that will remove the smell. Febreeze or white vinegar. You will have to get rid of those in the ...
by Naismith
Thu Aug 17, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 14138

Re: Anyone planning on never retiring?

Part of why this is so hard to discuss is the way we throw around the word "work." When I was a full-time mom, I never thought of myself as "not working." I was not employed, but I certainly had a lot of work to do at the hardest job I have ever held in my life (and I am an Army veteran and did a gr...
by Naismith
Thu Aug 10, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: Trip Cancellation Insurance.
Replies: 37
Views: 3792

Re: Trip Cancellation Insurance.

Credit card coverage is great for us, but look closely at the definition of "immediate family." For both of our cards, that definition does not include elders who do not live with us.

Since we would want to cancel a trip if a parent became ill, we buy insurance for international travel.
by Naismith
Mon Aug 07, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: Eclipse viewing
Replies: 61
Views: 6843

Re: Eclipse viewing

We are flying over 2,000 miles and then driving a few more hours to Rexburg, Idaho. I had to redo hotel reservations just a few weeks ago and was still able to snag a hotel in Pocatello with points (78 miles from totality). Thankfully we had ordered our glasses a few months ago...they are getting ha...
by Naismith
Tue Aug 01, 2017 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Residency/fellowship investing questions!
Replies: 10
Views: 1073

Re: Residency/fellowship investing questions!

Many 403b products can be rolled over into an IRA when you leave the institution. There may be a penalty for early withdrawal, but not for rolling over if you truly don't need the money until retirement age.
by Naismith
Tue Aug 01, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 11350

Re: Should you wait until the due date to pay credit card balance?

How did the 15 point drop in credit score affect your life? It cost 30 minutes of my life, because not initially realizing the reason for the sudden drop, I wanted to check for obvious hacking by running a credit report at https://www.annualcreditreport.com/index.action I was pleased to see that my...
by Naismith
Tue Aug 01, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 11350

Re: Should you wait until the due date to pay credit card balance?

one factor in your credit score is utilization. For those with a not so high credit limit it is certainly better to pay the card off before the statement cuts so the credit bureaus see a lower utilization. Yeah, that's an important factor and I was amazed at how quickly this effect can occur. We bo...
by Naismith
Tue Jul 25, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Essential Bike (bicycle) Accessories
Replies: 71
Views: 5541

Re: Essential Bike (bicycle) Accessories

I can't wear cycling shoes because of custom orthotics. But I do swear by Lock Laces https://www.locklaces.com/ to avoid having a loose shoelace get caught and cause a tumble. (I trim mine much shorter than in the pictures on their website.) I have a friend who spent weeks in the hospital after such...
by Naismith
Tue Jul 25, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: How to organize toddler books
Replies: 17
Views: 1814

Re: How to organize toddler books

The majority of the books are in the kids' closets in baskets from IKEA. My wife changes the books out a few times a year to mix it up and sub in some books that coincide with the season. This. Only having a certain number of books out at a time will help with interest. I also did this with toys, a...
by Naismith
Sun Jul 23, 2017 5:15 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 146
Views: 15098

Re: Is Amazon Prime worth it?

Plus, I tend to order random stuff that Walmart, Home Depot and Lowes might not necessarily stock, or said stores charge too much. +1 I've bought many things at Amazon which were not for sale in the city where I live, which kept stuff alive--much better for the environment. On a thread about bicycl...
by Naismith
Wed Jul 19, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: A week in Iceland
Replies: 28
Views: 2593

Re: A week in Iceland

One thing about the Icelandic tourist infrastructure is that it is a weird infrastructure compared to other places. For example, we stayed at a school that rents out dorm rooms during summer. Yes, bathroom was down the hall. We also saved money by not using their bedding, since we had our sleeping b...
by Naismith
Fri Jul 14, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 9803

Re: Shopping for first bike since I was a kid

Only a few things that are important to me with a bike (sometimes wet weather commuter).... Yes, those extras can make a huge difference. I would add my rear view mirror. We like the https://www.mirrycle.com/ mounted on the handlebar, but some people use helmet mounted. I have never gotten the hang...
by Naismith
Tue Jul 11, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: SS Spousal Benefit and Medicare
Replies: 4
Views: 682

Re: SS Spousal Benefit and Medicare

Just pointing out that this may cause claim issues in the future, if providers keep using the other number or if she recites her number rather than giving what is on the card.

I've had elderly relatives as for help in panic after an insurance denial, and this is a very common problem.
by Naismith
Tue Jul 11, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 9803

Re: Shopping for first bike since I was a kid

Some good advice here, but don't stress or think you must spend a lot. My bicycle is my primary means of transportation: I commute 9 miles a day and we also ride bikes on the weekend for fun. But I don't have a particularly fancy bike. Currently a Fuji Crosstown step-through, which is great for me b...
by Naismith
Thu Jul 06, 2017 6:28 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 169
Views: 21621

Re: Are you finding any good values at Amazon anymore?

For us, living in a smaller city with no Costco in less than 2 hours drive, the selection at Amazon is a huge plus. And the reliable convenience. Last year we did a bathroom renovation. We had decided on, but not yet bought, some fixtures for the showers. The plumber was booked for a week away. Went...
by Naismith
Mon Jul 03, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Unfounded Fear?
Replies: 16
Views: 1929

Re: Unfounded Fear?

I'm amazed that they shared their documentation status with you...most people keep that pretty private.
by Naismith
Fri Jun 23, 2017 8:53 am
Forum: Investing - Theory, News & General
Topic: Costco vs. Amazon - Thoughts of Prime Members?
Replies: 80
Views: 12413

Re: Costco vs. Amazon - Thoughts of Prime Members?

The nearest Costco is 2 hours away, so not really an option. The selection at Amazon makes our lives so much easier.

We just ordered our protective eyewear for the August eclipse, something that no store in our town is likely to carry.
by Naismith
Wed Jun 21, 2017 11:06 am
Forum: Investing - Help with Personal Investments
Topic: fed employees & all the eggs in the TSP basket
Replies: 22
Views: 3557

Re: fed employees & all the eggs in the TSP basket

Do you have a Roth balance in the TSP? Currently, RMDs from the TSP include Roth money. It may be worth doing a "partial withdrawal" of everything but the minimum to keep the TSP account open. Roll balances into a Roth and a Traditional IRA, then roll Traditional IRA back to the TSP. The lion's sha...
by Naismith
Wed Jun 21, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: fed employees & all the eggs in the TSP basket
Replies: 22
Views: 3557

Re: fed employees & all the eggs in the TSP basket

Do you have a Roth balance in the TSP? Currently, RMDs from the TSP include Roth money. It may be worth doing a "partial withdrawal" of everything but the minimum to keep the TSP account open. Roll balances into a Roth and a Traditional IRA, then roll Traditional IRA back to the TSP. The lion's sha...
by Naismith
Tue Jun 06, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Transcription Services
Replies: 9
Views: 1559

Re: Transcription Services

I need to have transcription work done a few times a year, and I use rev.com One of the things that convinced me to use that service over others was that I happened across a chat board of freelancers and they were excited that rev.com was hiring again and very positive about working there. It was go...
by Naismith
Mon Jun 05, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: How does a mere mortal navigate healthcare/insurance issues
Replies: 55
Views: 7196

Re: How does a mere mortal navigate healthcare/insurance issues

One of the other caveats about screening colonoscopies is that the type of sedation and what is considered medically necessary isn't obvious to patients. ...... Yes, important point. And keep in mind that most places in the world, they do most of them without sedation at all. I am not sure of the s...
by Naismith
Sat Jun 03, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: Cell phone service abroad
Replies: 79
Views: 8899

Re: Cell phone service abroad

I chose my T-Mobile service plan specifically because it has international coverage. Texts are free and I've never paid roaming charges abroad. I have T-Mobile and find the international coverage to be excellent. Perhaps the greatest benefit is that I never have to worry about it - I just know it'l...
by Naismith
Sat Jun 03, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: How does a mere mortal navigate healthcare/insurance issues
Replies: 55
Views: 7196

Re: How does a mere mortal navigate healthcare/insurance issues

One of the other caveats about screening colonoscopies is that the type of sedation and what is considered medically necessary isn't obvious to patients. ...... Yes, important point. And keep in mind that most places in the world, they do most of them without sedation at all. I am not sure of the s...
by Naismith
Thu Jun 01, 2017 7:12 am
Forum: Personal Consumer Issues
Topic: Battery replaced on Prius hybrid car
Replies: 14
Views: 2722

Re: Battery replaced on Prius hybrid car

I thought you'd like this: https://www.forbes.com/sites/tonybradley/2014/04/09/replacing-a-dead-prius-hybrid-battery-doesnt-have-to-cost-thousands-of-dollars/ Replacing A Dead Prius Hybrid Battery Doesn't Have To Cost Thousands Of Dollars - Forbes Thanks for this--I loved that the author referred t...
by Naismith
Wed May 31, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Battery replaced on Prius hybrid car
Replies: 14
Views: 2722

Re: Battery replaced on Prius hybrid car

We also have a 2006 Prius. Yes, it seemed like every warning light came on at once. Ours were replaced at 90-something miles, still under warranty. I am embarrassed to admit that we didn't realize there is also a smaller typical car battery that was not replaced at that time. It went out when we wer...