Search found 144 matches

by TresBelle65
Sun Oct 14, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Issues/last year before retirement
Replies: 2
Views: 390

Health Insurance Issues/last year before retirement

I'm a federal employee planning to retire in mid to late 2019. Open Season for Benefits will soon be upon us. For the past several years, I have had a High Deductible Health Plan, matched with an HSA. Beginning in January, I plan to get all recommended final screenings, finish needed restorative den...
by TresBelle65
Sat Sep 15, 2018 7:54 am
Forum: Personal Consumer Issues
Topic: Portable Music
Replies: 12
Views: 888

Portable Music

Several years ago, I had a device that clipped to my shirt, I think it was called an iPod.(!! lol)

I used it to listen to downloaded songs while exercising, hiking, etc.

Do these kinds of devices still exist and do any of you use them? any suggestions?
by TresBelle65
Mon Sep 10, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 89
Views: 7640

Re: Amazon Prime - Value?

Yes, the items I am ordering for 2 day shipment are Prime items. I may drop the membership, but wanted to ask a question first I only occasionally watch Prime Video - and even then, it's usually to watch movies I pay extra for. Here's a naive question. If I cancel my Prime Video, can I still order s...
by TresBelle65
Mon Sep 10, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 89
Views: 7640

Amazon Prime - Value?

A decreasing number of my Amazon shipments arrive in 2 days - and this is not due to the shippers. Upon clicking to pay, I see now most items estimated to arrive in up to 5 days. I tried to ask why using Chat or Phone, but the reps don't seem to have an answer. They appear to be reading from a scrip...
by TresBelle65
Tue Jul 10, 2018 7:51 am
Forum: Investing - Theory, News & General
Topic: Investing for Income Vs. Taking Withdrawals?
Replies: 6
Views: 777

Investing for Income Vs. Taking Withdrawals?

I'm quickly moving from accumulation to withdrawals. Have just been looking around at various strategies based on my personal mix of IRAs, pensions, taxable, etc. Then came across this mention and it caught my eye and was hoping to find out if any BH members employ this or similar - or have any comm...
by TresBelle65
Wed Jul 04, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: Vacuum Quandary
Replies: 10
Views: 1005

Vacuum Quandary

I'm in the process of packing up my apartment in preparation for a move. Over the past few weeks, I've done a fair amount of paper shredding and quite a bit of shredded paper bits and assorted small debris are all over the carpet. I have a standard issue vacuum cleaner, about 6 years old and it's no...
by TresBelle65
Mon Jun 18, 2018 5:47 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 18667

Re: Life in retirement - what did you do today?

When I get done with all that I want to get certified as a sommelier and travel more internationally. GCM, I am curious about this sommelier certification. If not career related, does it help with choosing wines for your own personal enjoyment? wine knowledge in general? I ask because I am looking ...
by TresBelle65
Sun Jun 17, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Cosmetic Question about teeth
Replies: 9
Views: 1394

Cosmetic Question about teeth

Have you ever lightened your teeth and if so, did you get good results?

- professional job?

- strips from the drugstore?

- activate charcoal?

Something else?
by TresBelle65
Wed Jun 06, 2018 6:54 am
Forum: Personal Consumer Issues
Topic: Road Hazard Warranties
Replies: 7
Views: 641

Road Hazard Warranties

Can someone explain how it works when you order tires online from a discounter (like TireRack or Discount Tire), then have them installed locally, but you are a digital nomad who primarily works by moving from place to place across the US? Is the warranty tied to the manufacturer? i.e. if there was ...
by TresBelle65
Wed Jun 06, 2018 6:04 am
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 74
Views: 7089

Re: Tires: Where to Get? Warranty? And Questions?

This thread is helpful. I need new tires and plan to be mobile the next few years. I suppose if I purchased from Costco and wanted a warranty - I would have to maintain a Costco membership for the next few years? Anyone know if these other companies mentioned would have nationwide service, if needed...
by TresBelle65
Tue Jun 05, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Mobile Fax
Replies: 8
Views: 971

Mobile Fax

I have a one-time consulting gig with a client who requires my invoice to be faxed :( I will be mobile, on the road during that time, they required a faxed invoice within 24 hours of completion - is the solution to take a photo with my phone (?) then send the document by email using one of those onl...
by TresBelle65
Fri Jun 01, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Financial setback stories
Replies: 21
Views: 3673

Re: Financial setback stories

I use the word "comebacks". ;) I married in the mid-90s, with a mid 5 figure job and about $100K in my 401K. Husband was in a similar position. By 2000, we were tech millionaires, having put every extra dollar into the high flying stocks of that time - but of course we were greedy and when the downw...
by TresBelle65
Sun May 27, 2018 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Scarcity Mindset
Replies: 14
Views: 2859

Re: Scarcity Mindset

A detail, but a "spendthrift" is a person who spends money in an extravagant, irresponsible way. Probably you intended the understandably logical - but wrong - meaning more akin to cheap and miserly What I meant was yes, my parents spent their income in an irresponsible manner - finding other uses ...
by TresBelle65
Sun May 27, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Scarcity Mindset
Replies: 14
Views: 2859

Re: Scarcity Mindset

Hi RM, Thank you. - Your "scarcity" mindset; - Wanting a change in work environment; I think these are the two biggest issues. I definitely want to do something different or just have scads more time to myself to do whatever I wish - I crave independence from a typical work environment (I am an MBTI...
by TresBelle65
Sun May 27, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Scarcity Mindset
Replies: 14
Views: 2859

Scarcity Mindset

I'm wondering if someone can offer a suggestion for resources - blog, book, personal experience, professional referral, etc. I'm informed on topics related to finance and retirement. I have met with a couple of reliable financial advisors for second and third opinions. In a nutshell, I can retire an...
by TresBelle65
Wed May 23, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Porting a Bundled landline to a cell phone
Replies: 4
Views: 486

Porting a Bundled landline to a cell phone

I have bundled landline, internet and cable TV service from Verizon. My two-year contract recently ended. I have decided to port the landline phone number and line to my cell provider (I verified they are able to move it all it takes is the SIM card). The cell provider tells me the line has to still...
by TresBelle65
Sun May 20, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Birmingham AL and Gainesville FL (?)
Replies: 7
Views: 997

Birmingham AL and Gainesville FL (?)

A co-worker and I have learned we have been selected to complete an 8-week project assignment in either Birmingham AL or Gainesville, FL. It has not yet been decided which of us will go to which location, so I am trying to learn about both locations, since I will not be returning home during this ti...
by TresBelle65
Fri May 18, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: Priceline hotels?
Replies: 16
Views: 2391

Priceline hotels?

Have you used Priceline for hotel deals? good or bad experience?
by TresBelle65
Wed May 09, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Vehicle Tires and Dry Rot
Replies: 20
Views: 2487

Re: Vehicle Tires and Dry Rot

During this visit, it passed a safety inspection, so I would think that means there is some time left before they would be declared too unsafe...hopefully, anyway, going to look at tire thread here.
by TresBelle65
Wed May 09, 2018 5:36 am
Forum: Personal Consumer Issues
Topic: Vehicle Tires and Dry Rot
Replies: 20
Views: 2487

Re: Vehicle Tires and Dry Rot

Thank you all. I see now this thing can be real, so I am going to be looking into it, particularly before I need to take any trips farther than the grocery store (one mile away lol). I appreciate the tips. As a teleworker, I seem to have become the proverbial lady who only drives the car on Sundays ...
by TresBelle65
Tue May 08, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Vehicle Tires and Dry Rot
Replies: 20
Views: 2487

Vehicle Tires and Dry Rot

I took my 2013 Toyota RAV4 in for service. The vehicle has 22K miles on it. The service writer mentioned my tires are showing signs of dry rot and he recommends replacement. I have decided to hold off until I can look into this further. I haven't noticed any obvious cracks in the tires, but I am goi...
by TresBelle65
Fri May 04, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Tax Return/Schedule C
Replies: 3
Views: 360

Personal Tax Return/Schedule C

This year, I started a small sole proprietorship. I work for several companies as an IC, so my Soc Sec # has been given out on a nearly weekly business to a seemingly never-ending list of new clients. I became concerned about wide exposure, so I applied for an EIN. I know for 2018, I'll be filling o...
by TresBelle65
Tue May 01, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Nontraditional Cruising
Replies: 21
Views: 2735

Nontraditional Cruising

I'm interested in the idea of cruising in order to see interesting parts of the world, perhaps those parts that are not otherwise easy to travel to.... I'm not much interested in cruises that center around: eating (and more eating!), cheesy entertainment, children running around (I love them otherwi...
by TresBelle65
Mon Apr 30, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Avocado Timing
Replies: 40
Views: 3369

Avocado Timing

I don't have much experience with avocados, but I've been put in charge of the coming weekend's guacamole. They tend to sell out quickly in the stores around here, so I don't want to wait until the last minute or after the ones at the store turn brown. If I buy them while still hard, do they ripen s...
by TresBelle65
Fri Apr 27, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: Hotel rewards programs
Replies: 45
Views: 4387

Re: Hotel rewards programs

The Citi Prestige card, I believe, gives the 4th night free but I have no experience with it, may be worth looking at.
by TresBelle65
Fri Apr 27, 2018 3:42 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Perils Of Old Age
Replies: 94
Views: 12465

Re: Larry Swedroe: Financial Perils Of Old Age

Having seen this with my family and looking down the road for myself in 25 years, my attitude is “take good care of yourself physically and mentally but don’t kid yourself that eating your vegetables, taking a walk every day, and playing bridge are going to save you.” Purely based on observation, i...
by TresBelle65
Fri Apr 27, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: First TLH execution, quick question
Replies: 6
Views: 421

Re: First TLH execution, quick question

Short term (shares held less than a year) losses are applies to short term gains first, long term losses are applied to long gains first. I don't think I understand. I look at the price on the date I made the purchase, then I compare it to a market price on a given date that I make the sale and as ...
by TresBelle65
Fri Apr 27, 2018 9:14 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Perils Of Old Age
Replies: 94
Views: 12465

Re: Larry Swedroe: Financial Perils Of Old Age

I watched my grandparents run out of money before they ran out of time. Their final years did not seem terrible to me, although quality of life can be a philosophical question. They needed full-time care and received that in a clean, caring, competent and compassionate facility funded mostly by the ...
by TresBelle65
Fri Apr 27, 2018 9:04 am
Forum: Investing - Help with Personal Investments
Topic: First TLH execution, quick question
Replies: 6
Views: 421

First TLH execution, quick question

My account history shows the lots purchased, purchase date and purchased price, going back several years. So when the day comes, I will choose the lots purchased originally at the lowest prices in order to trigger the biggest loss? does it matter whether these are recent purchases or purchased years...
by TresBelle65
Fri Apr 27, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 11212

Re: How did you tell the boss you're leaving/retiring?

I'm feeling some trepidation over the same issue. I work for the federal government after years in the private sector, so the culture still feels somewhat foreign to me. In industry, the employer and employee generally size each other up fairly quickly to determine the possibility of a long-term rel...
by TresBelle65
Sat Apr 21, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 142
Views: 14926

Re: What have you baked recently?

Tzimmes
by TresBelle65
Sat Apr 21, 2018 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: TLH, first steps using Wiki guidance, quick (hopefully) question
Replies: 12
Views: 974

Re: TLH, first steps using Wiki guidance, quick (hopefully) question

Said another way it’s somewhat better to offset Income than to offset long term gains If one is not many years away from an expected income drop such as in retirement, and doesn't plan to start taking withdrawals from taxable accounts until after such time, it seems the tax break now is more advant...
by TresBelle65
Sat Apr 21, 2018 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: TLH, first steps using Wiki guidance, quick (hopefully) question
Replies: 12
Views: 974

Re: TLH, first steps using Wiki guidance, quick (hopefully) question

I hold VTSAX and VTIAX in my 401K - as well as in my taxable account. In order avoid wash sale problems, would it be as simple as not making any further purchases into those 401k funds for 30 days prior to and/or after executing a TLH exercise - OR - does this mean that if I want to start TLH whenev...
by TresBelle65
Sat Apr 21, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 119
Views: 19439

Re: New retirees: so whatdayathink ?

I'm curious about the Epsom salt baths. In our family, we've used them in the case of sprained ankles, but nothing more.

What are the other benefits?
by TresBelle65
Sat Apr 21, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Pension Freeze - What did you do?
Replies: 85
Views: 10719

Re: Pension Freeze - What did you do?

I had 16 years in when Megacorp did it to me (all of us), along with killing any healthcare benefits in retirement for anyone under the age of 50. What did I do? Started coming in later each day and leaving earlier. Stopped caring about the outcome of almost anything related to the company. Started ...
by TresBelle65
Sat Apr 21, 2018 7:40 am
Forum: Investing - Help with Personal Investments
Topic: TLH, first steps using Wiki guidance, quick (hopefully) question
Replies: 12
Views: 974

Re: TLH, first steps using Wiki guidance, quick (hopefully) question

Thank you.

I'd like to make note of this write-up:

https://www.physicianonfire.com/tax-los ... -vanguard/

If I'd only found this as my first learning resource, I'd have saved myself quite a bit of confusion.

HIGHLY recommended reading for beginners on the topic.
by TresBelle65
Fri Apr 20, 2018 5:25 am
Forum: Personal Consumer Issues
Topic: Pls recommend a cell phone for secondary use
Replies: 11
Views: 1121

Re: Pls recommend a cell phone for secondary use

Thank you for the suggestions and advice.

I will also look into Google Voice. Out of curiosity, how does the second phone line distinguish itself with voice use and text use on the same screen?
by TresBelle65
Fri Apr 20, 2018 2:13 am
Forum: Personal Finance (Not Investing)
Topic: Taxes and a new, small business
Replies: 1
Views: 455

Taxes and a new, small business

I'm transitioning to retirement from a long time career. I've started a new, very small part-time side business as something I would like to grow and eventually keep me busy at a minimal level, once retired. I am paid as a 1099 independent contractor by the companies that hire me. I am just getting ...
by TresBelle65
Thu Apr 19, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3059
Views: 598148

Re: What's Your Credit Card Rewards Strategy?

Next month, I will finally be under 5/24. I plan to apply for the Chase Sapphire Reserve. That will put me back at 5/24 again. I am wondering about any great cards in the past 24 months I have missed out on that I should be looking at now? Perhaps cards that count toward 5/24, but are still approved...
by TresBelle65
Thu Apr 19, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Pls recommend a cell phone for secondary use
Replies: 11
Views: 1121

Pls recommend a cell phone for secondary use

My current personal cell phone is an iPhone that I really like and it has all the features I use and enjoy. I need a secondary cell phone for business calls. I need to keep those calls and texts separate from the personal calls and texts. I conduct 90% of my business online, so this phone won't see ...
by TresBelle65
Sun Apr 15, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 126
Views: 22445

Re: Tipping for restaurants where you order at the counter

One thing I loved about Italy. The service profession appears to be an honorable one and not looked down upon as it is here in the US as the unskilled person's job. Tips are not expected because that's not how they're compensated there. Of course, now the tips that are added on screen are going to t...
by TresBelle65
Sun Apr 15, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Securing long term storage boxes
Replies: 1
Views: 231

Securing long term storage boxes

I am putting some items away in longer term storage. I am concerned about some of the items I am storing. They are adequately wrapped to avoid breakage, but I wondering if an extra layer of protection would be to wrap the boxes themselves in gorilla tape or perhaps use bungee cords. The box lids sna...
by TresBelle65
Sun Apr 08, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: TLH, first steps using Wiki guidance, quick (hopefully) question
Replies: 12
Views: 974

Re: TLH, first steps using Wiki guidance, quick (hopefully) question

With my Vanguard taxable account, I only have mutual funds.

With my Ameritrade taxable account, I have a combination of funds and ETFs.

I will go see what I can find searching around on those sites. Thanks.
by TresBelle65
Sun Apr 08, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: Relocation to Atlanta
Replies: 16
Views: 1864

Re: Relocation to Atlanta

Thanks going to look at a map to see also how close these are to I-20. Thanks again
by TresBelle65
Sun Apr 08, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Relocation to Atlanta
Replies: 16
Views: 1864

Relocation to Atlanta

My brother and his wife are relocating from the DC area to the Atlanta area. They mostly telework, so they have some location flexibility. They need to be able to get to Hartsfield airport with little hassle due to business travel requirements. The complicating factor is they are moving mostly due t...
by TresBelle65
Sun Apr 08, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: TLH, first steps using Wiki guidance, quick (hopefully) question
Replies: 12
Views: 974

TLH, first steps using Wiki guidance, quick (hopefully) question

I'm ready to start employing this if I can. I've read over the threads and Wiki a couple of times trying to get my head around the details, got the concept. Step 0 says: I GNORE THIS STEP FOR NOW if you are a newish investor whose Initial Fund currently has a cost-basis method of "average cost" and...
by TresBelle65
Sat Apr 07, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Car sideview mirror
Replies: 25
Views: 1534

Re: Car sideview mirror

Thank you. 2013 Toyota RAV4, it's adjusted manually.
by TresBelle65
Sat Apr 07, 2018 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Odd Letter from Citibank Vis a Vis Checking Act bonus
Replies: 5
Views: 1122

Re: Odd Letter from Citibank Vis a Vis Checking Act bonus

I now stay away from Citi, HSBC and BofA. More trouble than they are worth.

I am kind of curious now about this sudden desire to make things right. I will google around, thanks
by TresBelle65
Sat Apr 07, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: Car sideview mirror
Replies: 25
Views: 1534

Re: Car sideview mirror

It's a 2013 Toyota....I've never bought parts before...so I will look around, thanks.
by TresBelle65
Sat Apr 07, 2018 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Odd Letter from Citibank Vis a Vis Checking Act bonus
Replies: 5
Views: 1122

Odd Letter from Citibank Vis a Vis Checking Act bonus

A few days ago, I received a letter from Citibank about a checking account I opened and closed in 2016. The letter says that I was never paid a promotional bonus on that account (several hundred bucks) and that a check for the bonus will arrive in on or about 15 business days. The letter appears ver...