Search found 1265 matches

by HIinvestor
Wed Nov 15, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 4785

Re: Fair way to split expenses?

Agree with the others that being on the same page is so important and I'm sorry this is a continuing issue for you. Would it be useful to divide expenses up--those you mutually agree upon and for both of you (food, shelter, transportation, insurance, taxes, retirement, savings) and then each of you ...
by HIinvestor
Sat Nov 11, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 159
Views: 10928

Re: Federal Retiree Health Care with/Medicare

The Tammy Flannagan article I found didn’t talk about Medicare B, just FEHB and is here. http://m.govexec.com/pay-benefits/retirement-planning/2017/11/what-you-need-know-about-your-health-insurance-choices/142433/ For now, we are still most comfortable paying for both FEHB PPO family plan and Medica...
by HIinvestor
Thu Nov 09, 2017 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: What is a reasonable emergency fund for HI family?
Replies: 67
Views: 3939

Re: What is a reasonable emergency fund for HI family?

Another factor is that for folks near retirement age, the size of the emergency fund may be lower if a pension starts once employment ends, AND if there is health insurance at least partly covered by emoloyer in retirement.

To me, it really depends on the fixed spending of the individuals involved.
by HIinvestor
Thu Nov 09, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 37744

Re: Did you tell anyone you paid off your mortgage?

I will admit I was jealous of a friend who had no mortgage or housing costs when we were paying a large chunk of our take home pay towards our mortgage. I also admit that since I handle most of our household finances, H didn’t know we had paid off the kortgage until I told him (pre-paid an extra $50...
by HIinvestor
Thu Nov 09, 2017 2:44 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 37744

Re: Did you tell anyone you paid off your mortgage?

We told our adult kids when we paid off the house AND all their tuition and ed expenses before H retired. We told them not to worry about having to support us in our old age. :) I believe it may have come up in a conversation with my folks and perhaps my brother but we have not mentioned it to many ...
by HIinvestor
Thu Nov 09, 2017 1:54 am
Forum: Personal Finance (Not Investing)
Topic: Equity Line Of Credit ??.......
Replies: 16
Views: 1410

Re: Equity Line Of Credit ??.......

I’d ask about any annual charges or fees and anything you have to pay AT ALL. We got one about 5 years ago because we wanted to help the teller whom I assume had a quota of them to open. We have NEVER used it to date and have not paid a penny in fees ever, including when we opened it or annually for...
by HIinvestor
Tue Nov 07, 2017 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5544

Re: Eye Doctor $30 to get your Rx? Is this normal?

We have never paid an extra fee to get written prescriptions for contacts of glasses when we got to any optometrist or ophthalmologist, and between the 4 of us, we all need glasses and 3 of us also have worn contacts at various times. Please let us know how the complaint is resolved.
by HIinvestor
Tue Nov 07, 2017 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Annuity Alternative
Replies: 54
Views: 2451

Re: Annuity Alternative

We gave our relative a significant business "loan," but it ended up being a gift and we didn't get any interest payments. We don't plan to repeat that again. The relative has LOTS of income and assets and we are OK with how it worked out, but it never generated cash flow for us.
by HIinvestor
Tue Nov 07, 2017 10:07 pm
Forum: Investing - Theory, News & General
Topic: The average American retiree household
Replies: 57
Views: 10933

Re: The average American retiree household

There would be a strong incentive to work as long as one could with finances as described in this thread, either full time or at least part time to have more disposable income and perhaps some benefits. The retirees I know definitely do NOT fit the profile in the thread and are MUCH more financially...
by HIinvestor
Tue Nov 07, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 150
Views: 13180

Re: How old are you and how much do you save for retirement a year

Agree that each person can only do the best s/he can. Folks find themselves in very different circumstances, depending on birth, debts, medical insurance (or lack of it), education, income, obligations, etc. Some are able to have a full-time and part-time job and save from both while others can bare...
by HIinvestor
Tue Nov 07, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth it to graduate 1 semester sooner if it costs MORE?
Replies: 9
Views: 789

Re: Is it worth it to graduate 1 semester sooner if it costs MORE?

Congrats on all your hard work. I’m sure either decision would work for you and you will make the one that works for you. It sounds like you’re currently maxed out and adding something to your already heavy load may not be the best idea. Hopefully your bachelors degree may give you more opportunitie...
by HIinvestor
Sat Nov 04, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Future Fed: Autism, Insurance, and the cost of ABA Therapy
Replies: 25
Views: 2273

Re: Future Fed: Autism, Insurance, and the cost of ABA Therapy

H was a federal employee for 45 years. Our state BCBS plan has no deductible and max out of pocket costs of $3000/person and $9000/family. It’s a great plan and even provides out of state coverage and has reasonable premiums. I’d look carefully at ALL the plans available to you and choose your plan ...
by HIinvestor
Sat Nov 04, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: No true pay as you go [cellphone plan]
Replies: 63
Views: 5288

Re: No true pay as you go [cellphone plan]

I have a legacy T-Mobile plan that is $100 which lasts a year or longer and I can refill it after 365 days for $10 or more and it rolls the minutes over due another 365 Days. Each minute ir text is $.10.

I have no data. It works well for our very modest needs for our nonprofit organization.
by HIinvestor
Sat Nov 04, 2017 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Children's money?
Replies: 26
Views: 2809

Re: Children's money?

I bought S a state zero coupon bond purchased at discount rate with 9% interest—$2500 which matured to $10,000 when he was ready to start college.

The rest we put in index funds but toon out some years before we would need them for college.
by HIinvestor
Mon Oct 30, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: Megabus from New York City to Washington DC
Replies: 23
Views: 1617

Re: Megabus from New York City to Washington DC

Our D had caught Megabus and BoltBus between LA and SF. She generally books very close to travel date. So it is $20-30 each way. She hasn’t had many complaints about it so far. They use Greyhound terminals.
by HIinvestor
Mon Oct 30, 2017 1:17 am
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 99
Views: 7613

Re: Is it difficult to switch from an iPhone to an Android?

Well, as usual there is a wealth of opinions. Our family all had iphone 5 as our 1st smart phone. A few years later, we all switched to OnePlus One, an android. Since then, S has switched back with me to IPhone 6s and D and H have stuck with One Plus phones 3 and 3s. It’s all personal preference. To...
by HIinvestor
Sun Oct 29, 2017 8:07 pm
Forum: Personal Consumer Issues
Topic: When the cold wind comes, I go where the dahlias bloom
Replies: 32
Views: 2630

Re: When the cold wind comes, I go where the dahlias bloom

HI is very high COL, but it is where we live. We just go on trips to visit people and places, not due to weather (tho we do keep weather in mind when making travel plans). Another issue some of us need to be concerned with, especially as we age is healthcare and providers. I like to be able to get i...
by HIinvestor
Fri Oct 27, 2017 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: RMD distribution timing
Replies: 32
Views: 2559

Re: RMD distribution timing

We generally take ours in the last quarter of the year, just so it helps us figure out how much money we can gift via charitable donations and gifts to our kids and loved ones. It works well for us. We also tend to get dividends around then as well. It makes the gift-giving season jollier. LOL! :mon...
by HIinvestor
Fri Oct 27, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 253
Views: 44061

Re: USAA 2.5% Cash Back Credit Card

We've been happily using our 2.5% USAA card in HI for some months or longer now. It works like a charm and we get our 2.5% credited to our account regularly. We recently cashed it in to get a check for over $800. It's our preferred card these days and we use it over others except if there's some spe...
by HIinvestor
Wed Oct 25, 2017 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 55
Views: 4591

Re: Southwest Companion Pass [California only]

That’s a very attractive deal that I sent to some relatives.
by HIinvestor
Wed Oct 25, 2017 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: How Well Do You Know About Retirement Income?
Replies: 40
Views: 4641

Re: How Well Do You Know About Retirement Income?

Oh well, 33/38, but misread a question or more on the phone—too small a format. H has a more than adequate pension so we aren’t in the market for any annuities anyway.

We are satisfied we have a good grasp of the info we need.
by HIinvestor
Tue Oct 24, 2017 3:43 am
Forum: Personal Finance (Not Investing)
Topic: Heading to ER, surprise bills [update: home again]
Replies: 44
Views: 5656

Re: Urgent! Heading to ER, surprise bills

I have successfully challenged an out of network pediatric anesthesiologist charge when we took S to an in network hospital and he had an in network provider who unbeknownst to us was using an out of network anesthesiologist. I asked insurer how I was to know or question or change the anesthesiologi...
by HIinvestor
Sun Oct 22, 2017 11:03 pm
Forum: Personal Consumer Issues
Topic: Most economical way to ship clothing?
Replies: 9
Views: 683

Re: Most economical way to ship clothing?

Agree that if you can vacuum pack the garments by getting the air out, it is surprising how much you can send in a little space. I like USPS flat rate large boxes. You can try the zip-lock-like spacesaver bags where you just squeeze out the extra air and get in the clothes your kiddo needs prior to ...
by HIinvestor
Sun Oct 22, 2017 10:55 pm
Forum: Personal Consumer Issues
Topic: Best no sweat athletic/work socks
Replies: 28
Views: 2134

Re: Best no sweat athletic/work socks

I use Thorlo socks and find they meet all my needs. They sometimes are introductory offers if sales where you can get a pair for $5.90 shipping and handling it but 3 get 1 free. They are expensive but I BEVER get blisters or smelly or itchy feet with them, no matter jmhiw long I wear them. Some of t...
by HIinvestor
Sun Oct 22, 2017 10:46 pm
Forum: Personal Consumer Issues
Topic: Installing a slide inside a home?
Replies: 39
Views: 2829

Re: Installing a slide inside a home?

Our tenants asked our permission and built a treehouse in the backyard of the house we rented them. Right after they moved out, our property manager had it removed due to liability concerns. My cautious young niece fell off a slide when she was in grade school and ended up in the ER, so I’m pretty h...
by HIinvestor
Sun Oct 22, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 159
Views: 10928

Re: Federal Retiree Health Care with/Medicare

While one can switch FEHB and Medicare supplemental plans during open season, can’t really “time” it re an emergency hospitalization that occurs with little or no notice.
by HIinvestor
Sun Oct 22, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 159
Views: 10928

Re: Federal Retiree Health Care with/Medicare

IRMAA amounts are on a sliding scale. At the lower end, they’re not much higher than basic part B and go up from there. https://www.medicare.gov/your-medicare-costs/part-b-costs/part-b-costs.html For just one person on Part B, it’s not that much extra to pay for more security. My understanding is th...
by HIinvestor
Sat Oct 21, 2017 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 159
Views: 10928

Re: Federal Retiree Health Care with/Medicare

H is a retired federal employee. Some chronic health issues run in his family. He has Medicare A & B as well. He also has FEHB family plan which covers him, me and our dependent. Having both high BCBS FEHB and Medicare B has eliminated all copays and deductibles, which have been helpful for H’s PT a...
by HIinvestor
Sat Oct 21, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 57
Views: 4953

Re: What service do you pay for that you could easily do yourself?

We have a CPA who does our taxes tho we COULD do it ourselves. We also eat out quite often (tho we both could cook) and use a mechanic, even for oil changes tho H could do it. We use a plumber for plumbing repairs tho H knows how to do those. We use a bookkeeper for our nonprofit tho I could probabl...
by HIinvestor
Sun Oct 08, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3124
Views: 919741

Re: What Movie Have You Recently Watched?

Saw "Gifted" on the plane about a young math prodigy and a custody battle. It was thought-provoking.

Also saw Beauty & the Beast (latest Disney version) which was well done. Also saw China baby animals movie also in airplane--reminiscent of National Geographic.
by HIinvestor
Sun Oct 08, 2017 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do with your empty inkjet cartridges?
Replies: 22
Views: 1675

Re: What do you do with your empty inkjet cartridges?

We take ours back to Office Depot/Office Max and get a small credit back for our efforts. It feels better than tossing them and adding to trash.
by HIinvestor
Wed Sep 27, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: Tailor made shirts
Replies: 11
Views: 1455

Re: Tailor made shirts

Our S buys some tailored clothing since he has difficulty getting his precise size. Finding a good tailor who produced results you like is well worth the effort. His custom suits fit him very nicely and are better than a ton of alterations on ready to wear garments. Ymmv.
by HIinvestor
Mon Sep 25, 2017 3:13 am
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 72
Views: 4694

Re: Asking for no wedding gifts

We were invited to a baby's 1st birthday party that explicitly stated no gifts please on the Invitation. When we arrived at the birthday party, they had a big sign in table and gift basket for guests to put their cash gifts. I was very surprised and upset since all the parties I had previously been ...
by HIinvestor
Sun Sep 24, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8925

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

I have never heard of any patient being allowed to observe another's surgery or procedure and don't see how that would help anyway. I have permitted Med students to observe at teaching hospitals when I or a family member is the patient but not random patients.
by HIinvestor
Sun Sep 24, 2017 1:18 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8925

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

The best specialist I ever had was by going to one of the top hospitals in the country (by US News & World Reports) and being fortunate enough to have been given an appointment with him because he was participating and preferred with my BCBS insurance. My internist urged me to go to that med center ...
by HIinvestor
Fri Sep 22, 2017 11:11 pm
Forum: Personal Consumer Issues
Topic: Buckling in Hardwood Floors
Replies: 12
Views: 1079

Re: Buckling in Hardwood Floors

Agree with the post above. We have concrete slab foundation and the vapor barrier for our hardwood floors was the sheet vinyl flooring that was on the floor plus the put in a layer of thick seasoned plywood and left room for expansion AND had the wood season in place for weeks prior to installation....
by HIinvestor
Thu Sep 21, 2017 10:19 pm
Forum: Personal Consumer Issues
Topic: Gaps in new hardwood flooring
Replies: 52
Views: 3512

Re: Gaps in new hardwood flooring

Wood is "living" and if you have spaces now, you will likely have more plus bigger problems over time. When we had our hardwood floors installed, we had the installer buy the wood and all materials and install. He was very picky and discarded and rejected wood that he didn't feel was perfect. The wo...
by HIinvestor
Tue Sep 19, 2017 3:22 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 25964

Re: Name something you had to have and now you regret purchasing it?

We bought our Briggs & Riley carry-ins with wheels from Costco a few years back. They hold enough for a3-5 week trip and have held up well to our 40k or so miles/year. H mostly checks his bag and I carry mine aboard heading out and check it in returning home. It is our most expensive luggage. We pai...
by HIinvestor
Sun Sep 17, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: Color printer suggestions: high quality output, low cost of ink
Replies: 22
Views: 1680

Re: Color printer suggestions: high quality output, low cost of ink

We have two printers--a multi-function ink jet HP from Costco that we make copies on, send faxes with and use as back up printer. It was under $200 (maybe under $100) and we rarely have to buy ink. Our main printer has been discontinued -- it is a Xerox colorcube 8570. We buy solid wax ink for it ev...
by HIinvestor
Sun Sep 17, 2017 7:33 pm
Forum: Personal Consumer Issues
Topic: Buying nightguards (teeth grinding)
Replies: 52
Views: 4532

Re: Buying nightguards (teeth grinding)

My insurer covers part of the cost of our mouthguard as well. I got mine from the dentist. It's hard, thin and light. I've had it for several years and it has held up fine. Have never been tempted to buy it online--I am perfectly fine with paying for things related to my health and thus is one of th...
by HIinvestor
Sun Sep 17, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: What is FI if you love your job? [Financial Independence]
Replies: 68
Views: 5982

Re: What is FI if you love your job?

My H loved his job for most of the 45 years he held it until he didn't because of conditions beyond his control. Because we had saved and his income had grown so much in the last few years of his career, he was able to walk away from his career when he wanted to with no regrets and no second-guessin...
by HIinvestor
Fri Sep 15, 2017 1:38 am
Forum: Personal Finance (Not Investing)
Topic: Will / Trust attorney fees -- how much? (quoted $2000-3000)
Replies: 35
Views: 4067

Re: Will / Trust attorney fees -- how much? (quoted $2000-3000)

We were referred to attorneys by our bank who would have charged $1000 we were told. We were also referred to a different attorney who offered to do a complete package for us for about $3-4000. We went with the latter guy because we trusted the attorney who referred us (a relative who is corp counse...
by HIinvestor
Tue Sep 12, 2017 4:29 am
Forum: Personal Finance (Not Investing)
Topic: Relocate for Early Retirement?
Replies: 41
Views: 3971

Re: Relocate for Early Retirement?

We are in the home we bought nearly 30 years ago. H retired nearly 5 years ago. We have no current plans to move anywhere. My folks just moved from their 4 bedroom, 2 bath home with huge swimming pool to a SR community that required a huge payment but the estate gets refunded 90% after death. The pl...
by HIinvestor
Mon Sep 11, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?
Replies: 31
Views: 3927

Re: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?

Our CPA files our return electronically and we haven't filed a paper return in many decades. Our cpa has our PIN. Hopefully the IRS won't let anyone blithely change things.
by HIinvestor
Mon Sep 11, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 60
Views: 7846

Re: Equifax - credit freeze is now free?

So much is tied to SSN that changing it will cause more hassles for the person changing and the tons of records linked to it. Even ID theft victims are not offered new SSN.
by HIinvestor
Mon Sep 11, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 253
Views: 44061

Re: USAA 2.5% Cash Back Credit Card

Dang, didn't know we'd only get 1% back on ES tax payments. I guess I will switch to another form of payment. :( Hmmm--need to look up my USAA account. I just checked my statement and it APPEARS I got back the regular 2.5% from my estimated tax payments that I just made yesterday. :) I even got 2.5%...
by HIinvestor
Mon Sep 11, 2017 3:54 am
Forum: Personal Finance (Not Investing)
Topic: Safe Deposit Box Fee (Bank of America)
Replies: 35
Views: 14085

Re: Safe Deposit Box Fee (Bank of America)

What is VPW? We have rented a safety deposit box for many years. We went from the smallest size to a larger size. I believe it's under $100/year and this year they waived the charge because they moved the boxes from our supermarket branch of the bank to another branch that is slightly less convenien...
by HIinvestor
Sun Sep 10, 2017 11:01 pm
Forum: Personal Consumer Issues
Topic: Rental Car Scam--Insurance claim or credit card chargeback?
Replies: 9
Views: 1673

Re: Rental Car Scam--Insurance claim or credit card chargeback?

I had a similar situation where the car rental company on Molokai claimed I returned the rental car with a nail in one of the tires and they had to repair it and charged me $25. I asked them for documentation so it would be covered by the CCard company but they refused to provide any. I told the CCa...
by HIinvestor
Sun Sep 10, 2017 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Open a HELOC? With whom?
Replies: 13
Views: 1072

Re: Open a HELOC? With whom?

There was no appraisal by anyone for our HELOC if the amount was $250k or less( well below FMV and property tax assessed value). It just involved a bit of paperwork and time and was approved. I can't recall having to provide much--perhaps H's most recent pay stub.