Search found 639 matches

by invst65
Sat Aug 25, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1159
Views: 175337

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

CULater wrote:
Sat Aug 25, 2018 8:21 am
I don't know much about joining a class-action lawsuit: does that mean that I can't receive a personal settlement such as a buyback?
Based on my experience with class-action lawsuits, the lawyers will make a lot of money and you'll get $50 off your next Honda purchase.
by invst65
Fri Aug 24, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Do you go for annual Medicare preventive tests and screening?
Replies: 84
Views: 5497

Re: Do you go for annual Medicare preventive tests and screening?

Right.. I suspect there is more to the full story! Well, you would have to ask the doctor the full story, because whatever it was, he didn't tell me in the letter he sent. It was just something about there needing to be trust between patient and doctor. I just assumed it was about the statin. I tol...
by invst65
Fri Aug 24, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: Car Insurance - Add Household Driver
Replies: 3
Views: 463

Re: Car Insurance - Add Household Driver

Well I simply Googled "does PIP in michigan cover passengers" and this is what I got... Personal injury protection (PIP) insurance covers your medical bills and lost wages when you or your passengers are injured in a car accident. PIP is optional in most states. However, 16 states require you to car...
by invst65
Fri Aug 24, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: I still use cash not credit cards should I reconsider?
Replies: 102
Views: 8503

Re: I still use cash not credit cards should I reconsider?

I cannot believe Bogleheads let this one slide. Let me help you look at it another way. The price of everything you buy (at merchants that accept credit card) has a ~3% buffer built in. That is what the banks charge the merchants and they pass it on to you. By getting 2% credit card reward back you...
by invst65
Fri Aug 24, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Have a 50K hospital bill reason - too much insurance
Replies: 16
Views: 2557

Re: Have a 50K hospital bill reason - too much insurance

Medicare wasn't involved but when my first wife died I started getting bills for her cancer treatments, amounting to well over $100k even though I was in an HMO insurance plan. I figured that instead of doing whatever was required to collect the money from the insurance company, they thought it woul...
by invst65
Fri Aug 24, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: physics/math major looking for programmer/analyst job?
Replies: 111
Views: 10395

Re: physics/math major looking for programmer/analyst job?

I've reviewed his code and it works but demonstrates an unfamiliarity with basic design patterns and best practices. A "Hello" World" program works, but it doesn't prove much. I'm a retired programmer with over 40 years of experience and I can tell you that I would have never wanted a newbie like t...
by invst65
Fri Aug 24, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 11394

Re: Take auto loan 0.9% if I can afford cash?

Take the loan, then balance transfer into a 0% credit card to save even more money. Where do you find a 0% credit card? I used to get a lot of 0% offers for balance transfers for a limited period of time and I've taken advantage of them. They would even send you checks which you could turn into cas...
by invst65
Fri Aug 24, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 11394

Re: Take auto loan 0.9% if I can afford cash?

Take the loan, then balance transfer into a 0% credit card to save even more money. Where do you find a 0% credit card? I used to get a lot of 0% offers for balance transfers for a limited period of time and I've taken advantage of them. They would even send you checks which you could turn into cas...
by invst65
Fri Aug 24, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: I still use cash not credit cards should I reconsider?
Replies: 102
Views: 8503

Re: I still use cash not credit cards should I reconsider?

I've been using my 2% cash back card wherever possible for many years now. Unless I have gone on vacation or made a major purchase my payoff balance never varies by more than a few hundred dollars each month. Once frugality and living within your means becomes habitual, things pretty much run on aut...
by invst65
Thu Aug 23, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Test your cognitive biases
Replies: 89
Views: 6011

Re: Test your cognitive biases

Okay, so after all of these Supremely Wonderful Scores, who will 'fess up to a lesser score, or an outright "low" one? Also, do the "confidence" scores actually factor in to the "result", or is that just for the research in some other way? RM I confess. My score was zero because I found the very fi...
by invst65
Thu Aug 23, 2018 9:56 am
Forum: Forum Issues and Administration
Topic: Rating system for posts/posters ?
Replies: 60
Views: 3612

Re: Rating system for posts/posters ?

Sounds too much like what's going on with YouTwitFace right now. And like the "social score" in China. Besides, how many staff members would have to be hired to implement this policy? What would be the vetting process to find people qualified to make the kind of judgments you are talking about and w...
by invst65
Wed Aug 22, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do you go for annual Medicare preventive tests and screening?
Replies: 84
Views: 5497

Re: Do you go for annual Medicare preventive tests and screening?

Since not wanting to take a statin was the reason I got fired from my last PCP... The idea that a physician would fire a patient over not wanting to take a drug is incomprehensible to me. Surely this is not common.... Right.. I suspect there is more to the full story! Well, you would have to ask th...
by invst65
Tue Aug 21, 2018 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Do you go for annual Medicare preventive tests and screening?
Replies: 84
Views: 5497

Re: Do you go for annual Medicare preventive tests and screening?

Since not wanting to take a statin was the reason I got fired from my last PCP... The idea that a physician would fire a patient over not wanting to take a drug is incomprehensible to me. Surely this is not common.... Right.. I suspect there is more to the full story! Well, you would have to ask th...
by invst65
Tue Aug 21, 2018 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Do you go for annual Medicare preventive tests and screening?
Replies: 84
Views: 5497

Re: Do you go for annual Medicare preventive tests and screening?

I don't go for any preventive tests or screening at all. The last time I did was when I got talked into my first colonoscopy when I turned 60 (10 years overdue according to the doctor). I ended up having to pay for it out of pocket and fight for reimbursement because the wrong billing codes were en...
by invst65
Tue Aug 21, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Do you go for annual Medicare preventive tests and screening?
Replies: 84
Views: 5497

Re: Do you go for annual Medicare preventive tests and screening?

I don't go for any preventive tests or screening at all. The last time I did was when I got talked into my first colonoscopy when I turned 60 (10 years overdue according to the doctor). I ended up having to pay for it out of pocket and fight for reimbursement because the wrong billing codes were ent...
by invst65
Tue Aug 21, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Cashing a check
Replies: 28
Views: 2686

Re: Cashing a check

I think these are all rare exceptions. Most (if not all) banks have deployed "duplicate detection" software which is designed to compare images of checks deposited against previous deposited checks. Since the advent of "Check 21" which laid out to the groundwork for image-based check processing, th...
by invst65
Sun Aug 19, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Best (most practical, low cost) Luggage for Airline Travel
Replies: 56
Views: 4493

Re: Best (most practical, low cost) Luggage for Airline Travel

Check the weight. I bought a very nice, expensive, carry-on (Samsonite) and am sorry I did because it weighs so much. By the time I get it packed it is always over the weight limit. So far I have been lucky and have never been called on it. One of these day I will be forced to check it. We only tra...
by invst65
Fri Aug 17, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Selling notes from Treasury Direct account
Replies: 3
Views: 419

Re: Selling notes from Treasury Direct account

I just looked into this and it appears to me that it is something called "Legacy Treasury Direct" that has this limitation. If I'm understanding it correctly, you can transfer funds from Legacy Treasury Direct to Treasury Direct and be able to do all of your transactions online. I had no problem wit...
by invst65
Fri Aug 17, 2018 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Continue flood insurance after mortgage paid off?
Replies: 15
Views: 1251

Re: Continue flood insurance after mortgage paid off?

I still have a mortgage but for some reason I'm one of only 3 houses in my neighborhood that isn't required to have flood insurance. So basically, I'm self-insured for flooding even with a mortgage. My house is less than a mile from Tampa Bay which caused me considerable angst last year when the Bay...
by invst65
Fri Aug 17, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: Best (cheapest) way to book a flight well in advance
Replies: 15
Views: 1851

Re: Best (cheapest) way to book a flight well in advance

Google flights. You can set up fare watches and look at charts of how the prices are fluctuating over time. Then you use technical analysis to decide when to buy?? Unfortunately, I'm not aware of any technical analysis for the best time to buy. It's pretty much a seat of the pants kind of thing. Fo...
by invst65
Thu Aug 16, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Best (cheapest) way to book a flight well in advance
Replies: 15
Views: 1851

Re: Best (cheapest) way to book a flight well in advance

Google flights. You can set up fare watches and look at charts of how the prices are fluctuating over time.
by invst65
Thu Aug 16, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: Celebrating the day you retired
Replies: 46
Views: 3457

Re: Celebrating the day you retired

I got involuntarily retired about one year before I planned, but with severance pay the paychecks stopped only six months earlier. Due to the suddenness of it, it was more of a psychological jolt than I had anticipated. As for the first day, as I recall it, I pissed off my wife by re-arranging every...
by invst65
Mon Aug 13, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 5725

Re: How often do you check your brokerage accounts

Check my personal capital app once per day, which has all the balances. Every time I log into Personal Capital I find accounts where the balance hasn't been updated for a long time. This is always due to a failed login and usually involves some kind of new security feature that was added to the acc...
by invst65
Mon Aug 13, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 34
Views: 2948

Re: Plan for Parental Care in my road to financial independence

That's exactly the point I kept trying to impress upon OP in my posts above without getting into politics. See https://www.nbcnews.com/politics/immigration/now-trump-administration-wants-limit-citizenship-legal-immigrants-n897931 Yup. Maybe things will work out in spite of all that. The optics in t...
by invst65
Mon Aug 13, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 5725

Re: How often do you check your brokerage accounts

Check balances and recalculate net worth (house is not included of course) after good market days. I've resolved to check and re-balance only once a year and so far have kept to it except for peaking a few months ago. And in that case I succumbed to temptation on a good market day when things were ...
by invst65
Mon Aug 13, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Where to stay in Key West?
Replies: 20
Views: 1374

Re: Where to stay in Key West?

We stayed at http://www.coconutbeachresort.com/. We had a 2 bedroom 2 bathroom unit. It worked great for my family of 5. I don't know if they have any 3 bedroom units. The location was great. It was within walking distance of Duval, a beach, and restaurants. The pool area and views were very nice. ...
by invst65
Mon Aug 13, 2018 9:48 am
Forum: Investing - Theory, News & General
Topic: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets
Replies: 67
Views: 10604

Re: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets

I don't understand why Vanguard focuses so much on avoiding the noise, staying the course and yet they put out research like this constantly it seems as of late. Given the business they are in, dampening expectations for investors makes sense. I mean, how would you feel if they predicted 8% returns...
by invst65
Mon Aug 13, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Where to stay in Key West?
Replies: 20
Views: 1374

Re: Where to stay in Key West?

Are the beaches nice? I'll put it this way - I wouldn't go to Key West if my primary interest was in finding a nice beach. Not even that many hotels advertise a beach. We stayed in one that did a few years ago and it was nice but it was a very small beach and I learned while I was there that it was...
by invst65
Fri Aug 10, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 34
Views: 2948

Re: Plan for Parental Care in my road to financial independence

After 5 years on the green card she will become a citizen. Is there anything saying she can't apply for SSI and medicaid? And medicare through SSI? Well said. If she has less than 3K in asssets, 65+ age, low income(check specific number), she will be eligible for Medicaid if her green card is 5 yea...
by invst65
Thu Aug 09, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 34
Views: 2948

Re: Plan for Parental Care in my road to financial independence

Sounds like a good plan but I'm not so sure you'll be able to get away with the 1099 thing. It's worth a try but it's possible the IRS will challenge it. Also, if medical problems are "likely" how do you know they are going to wait until she's old enough for Medicare? My wife is also an immigrant bu...
by invst65
Sat Aug 04, 2018 5:51 pm
Forum: Investing - Theory, News & General
Topic: At what point in history, would I recognize low cost modern index funds?
Replies: 5
Views: 898

Re: At what point in history, would I recognize low cost modern index funds?

Good question. All I can tell you is that long about 1985 when I came into my first windfall from stock options and had extra money to invest, I had to pay money up-front for the privilege of buying a mutual fund. And then I had to pay more money to sell it and get out a few years later (do modern i...
by invst65
Sat Aug 04, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare benefit letter and delay credits
Replies: 6
Views: 520

Re: Medicare benefit letter and delay credits

It looks like the adjustment will be made in January 2019 (c)When is the increase because of delayed retirement credits effective? - (1)Credits earned after entitlement and before the year of attainment of age 70. If you are entitled to benefits, we examine our records after the end of each calenda...
by invst65
Sat Aug 04, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Medical expenses while on Medicare
Replies: 48
Views: 2955

Re: Medical expenses while on Medicare

Our financial adviser generated a retirement report and it showed that we should allow $12,233 for medical expenses once we both go on Medicare in roughly 12 years. Does the $12,233 sound reasonable? Thanks. I have never spent anything close to that much EVER in my life - nor have I had insurance c...
by invst65
Sat Aug 04, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Yogi said it. It must be true.
Replies: 21
Views: 2770

Re: Yogi said it. It must be true.

"I Really Didn’t Say Everything I Said"

Probably very true.
by invst65
Sat Aug 04, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: Ryobi 6ah Li-Ion Battery Not Charging
Replies: 8
Views: 721

Re: Ryobi 6ah Li-Ion Battery Not Charging

I have read that it is not a good idea to let the battery fully discharge. But here is website that might tell you how to fix it .... https://www.theartofdoingstuff.com/battery-that-wont-recharge/ I have two 18V batteries for a hammer drill and one 40V battery to power a weed whacker/edger and a blo...
by invst65
Sat Aug 04, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare benefit letter and delay credits
Replies: 6
Views: 520

Re: Medicare benefit letter and delay credits

I decided to file 6 mo short of 70 for my old age benefit and found the decision letter online today. The amount was only .20 from the estimate I got from AnyPIA. The Medicare amount is right, no increase since I was on it before when I was 65 using my own SSN. So that's all good. The letter doesn'...
by invst65
Fri Aug 03, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Last minute travel bookings vs. Booking ahead
Replies: 1
Views: 292

Last minute travel bookings vs. Booking ahead

Before I retired I was in the habit of booking about 3 months ahead when planning a vacation - mostly because I thought you got the best prices that way and I also just liked having everything planned in advance so I could relax and not worry about it. Now that I'm retired, I'm reversing course - so...
by invst65
Fri Aug 03, 2018 2:12 pm
Forum: Non-US Investing
Topic: Non-US citizen with SSN living abroad, where to invest?
Replies: 22
Views: 1604

Re: Non-US citizen with SSN living abroad, where to invest?

Welcome to Fidelity. I doubt anyone is going to give you any specific advice about where to invest without more information. There is a possibility I will be residing overseas during my retirement years (already started) so I was interested in the statement that Fidelity said you could invest in an...
by invst65
Fri Aug 03, 2018 1:55 pm
Forum: Personal Investments
Topic: Small Retirement Portfolio—Advice Requested
Replies: 20
Views: 2301

Re: Small Retirement Portfolio—Advice Requested

Thanks for responding, invst65! **"Real Estate is a commodity and money markets are for short-term cash. I don't see anything "bond-like" in either." Re "bond-like": I keep reading that the purpose of bonds is to provide ballast to the portfolio. They're useful for capital preservation, income, and...
by invst65
Thu Aug 02, 2018 5:09 pm
Forum: Investing - Theory, News & General
Topic: Treasury Bonds are the Only Bonds You Need
Replies: 195
Views: 27412

Re: Treasury Bonds are the Only Bonds You Need

I believe HB called for bonds with a maturity of a least 20 years. As for the T-Bills, I actually said I use them for "cash". Yes I see that, but since this post was about not using bonds and using treasuries instead, I wasn't sure if you were saying the permanent portfolio did not contain bonds, b...
by invst65
Thu Aug 02, 2018 5:01 pm
Forum: Non-US Investing
Topic: Non-US citizen with SSN living abroad, where to invest?
Replies: 22
Views: 1604

Re: Non-US citizen with SSN living abroad, where to invest?

Welcome to Fidelity. I doubt anyone is going to give you any specific advice about where to invest without more information. There is a possibility I will be residing overseas during my retirement years (already started) so I was interested in the statement that Fidelity said you could invest in any...
by invst65
Thu Aug 02, 2018 4:23 pm
Forum: Personal Investments
Topic: Small Retirement Portfolio—Advice Requested
Replies: 20
Views: 2301

Re: Small Retirement Portfolio—Advice Requested

(1) Is it fair to think of TIAA Real Estate as being bond-like, and to count my five years’ money market expenses as also being bond-like, so to be comfortable with having a low percentage of bond funds in my retirement accounts? Real Estate is a commodity and money markets are for short-term cash....
by invst65
Thu Aug 02, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 185
Views: 13524

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

All boils down to some basic issues on this website, I think. Some folks on here really don't need to decide whether paying $200 for some kind of foreign travel insurance is a good idea or not. To them it's a no-brainer and good for them. I can relate. Others among us have to count the cost and con...
by invst65
Thu Aug 02, 2018 11:39 am
Forum: Investing - Theory, News & General
Topic: Treasury Bonds are the Only Bonds You Need
Replies: 195
Views: 27412

Re: Treasury Bonds are the Only Bonds You Need

This is also the recommendation for the permanent portfolio strategy and something I follow. Also do the same with T-Bills for cash. I had to double check this because I listened to every episode of the Harry Browne radio show and I remember him advocating for LONG bonds actually. So I did a quick ...
by invst65
Thu Aug 02, 2018 11:36 am
Forum: Personal Investments
Topic: NT
Replies: 20
Views: 1499

Re: Advisor trying to convince me to buy annuities

I gave up on trying to be polite to salesmen who won't take no for an answer a long time ago. No matter what you say they will always have a comeback and there is usually no way the conversation is going to end on a polite note. Have you tried asking him how much money he is going to make if you buy...
by invst65
Tue Jul 31, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 185
Views: 13524

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

You only asked about medical evacuation but you both are of Medicare age. Medicare does NOT cover outside the US although I understand there may be some limited coverage under some plans. You can buy medical travel insurance for a small amount of money. This will include evacuation also. What you r...
by invst65
Tue Jul 31, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: Getting emails saying I signed up for a bunch of subscriptions...
Replies: 7
Views: 772

Re: Getting emails saying I signed up for a bunch of subscriptions...

- Block them as spam - Stop using your email address and get a new one This was one of my thoughts. Others agree? I've had it for 10-15 years so would hate to lose it. No, I don't agree with getting a new email address. Can't even imagine what a hassle that would be for me. You should be able to fi...
by invst65
Tue Jul 31, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 91
Views: 7690

Re: Are Credit Cards Actually Convenient?

Not only is it convenient, but I get at least 2% cash back on everything. So I use it whenever and wherever I can. +1 I have even paid for some items that charge small fees (DMV @ 1.5%) because I can sometime out earn the fee. I can't justify passing up the chance to move an extra 2-5% cash back to...
by invst65
Tue Jul 31, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 185
Views: 13524

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

No, I have never purchased it and I've done a lot of foreign travel. To me, it's just an insurance policy trying to capitalize on your worse fear about travelling over seas. If the cost doesn't seem too extravagant to you and it gives you peace of mind then buy it but in reality I have to wonder how...
by invst65
Tue Jul 31, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: Getting emails saying I signed up for a bunch of subscriptions...
Replies: 7
Views: 772

Re: Getting emails saying I signed up for a bunch of subscriptions...

I started getting these after doing some surfing to enter online contests. Somewhere along the line I probably clicked on something agreeing to buy some magazines without paying much attention. They sent me an invoice via email and I replied that I did not order these magazines and if I did, I didn'...