Search found 1462 matches

by HIinvestor
Sat Jan 27, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to get a business credit card?
Replies: 25
Views: 1509

Re: Does it make sense to get a business credit card?

Capitol One Spark Business Visa is $59/year and 2% cash back. It has been a good card for us and we get back way more than the 2% every year. It comes with extended warranty protection and a lot more.
by HIinvestor
Sat Jan 27, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: keep the TSP or transfer to Schwab?
Replies: 8
Views: 829

Re: keep the TSP or transfer to Schwab?

We have kept H’s TSP there and it has done fine in the G fund, which is what the bulk is invested in. One if the drawbacks for us is that you have to use their tables for required Minimum Distribution, which only considers the age of the employ instead of also considering younger spouse’s age. This ...
by HIinvestor
Sat Jan 27, 2018 4:10 pm
Forum: Investing - Theory, News & General
Topic: How do you know much retirement income is needed?
Replies: 53
Views: 3906

Re: How do you know much retirement income is needed?

How much “extra” folks want/need to include in their calculations depends on a lot of factors, none of which are commonly covered by insurance including: 1. Do they have loved ones who do or may need financial assistance, now or in the future? 2. Do they want to help pay for wedding if their kids? H...
by HIinvestor
Sat Jan 27, 2018 1:31 pm
Forum: Investing - Theory, News & General
Topic: How do you know much retirement income is needed?
Replies: 53
Views: 3906

Re: How do you know much retirement income is needed?

Here’s one of many calculators to help you figure this out: https://www.kiplinger.com/tool/retirement/T047-S001-retirement-savings-calculator-how-much-money-do-i/index.php For us, I kept track of our normal spending fit about 2 years before we retired. I then estimated things that would change upon ...
by HIinvestor
Fri Jan 26, 2018 4:26 am
Forum: Personal Finance (Not Investing)
Topic: What kind of skilled casual work is out there (US)?
Replies: 24
Views: 2605

Re: What kind of skilled casual work is out there (US)?

I’ve never heard of many employers who are fine with employees coming in when they feel like it and taking as frequent and long vacations as they choose. If one owns the company, I suppose one could have more control over hours and vacations but most jobs aren’t created that way. Where have you live...
by HIinvestor
Fri Jan 26, 2018 4:21 am
Forum: Personal Consumer Issues
Topic: Your favorite beach vacation destination?
Replies: 64
Views: 5276

Re: Your favorite beach vacation destination?

Our entire state of HI has all the beaches you could wish for!
by HIinvestor
Fri Jan 26, 2018 3:03 am
Forum: Personal Consumer Issues
Topic: Pizza delivery asked for security code on my credit card with order
Replies: 50
Views: 5337

Re: Pizza delivery asked for security code on my credit card with order

I am asked for and provide my CC security code most times when I use my CC on the phone, eg to pay medical bills, place orders, etc. Knock wood, but have rarely had folks place fraudulent charges on our cards. When it’s happened, we have reported it immediately and the Ccard company rushes us new ca...
by HIinvestor
Thu Jan 25, 2018 4:54 am
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 8930

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

This thread moved me to make an appointment to get my 6s battery replaced Sunday at our nearby Apple store. That should make help my phone function much better. I’m glad the price will be $29–much better than $79+ they normally charge.
by HIinvestor
Wed Jan 24, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 8930

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

I like fingerprint ID of the iphone 6s but wish it was easier to change your own iPhone battery. I will get a new battery installed before end of 2018 from Apple store for $29 and expect it will last until they stop updating/patching. I don’t do anything financial on my phones.
by HIinvestor
Wed Jan 24, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 16651

Re: Dear wife quits job and now we are down to 1 income

Your spouse can also consider whether there is anything she may want to do part time to help bring in income—rent a room in your home, watch another child or two, do some contracting work to bring in money and stay in her field, sell items online it at craft fairs, etc. I’d try to keep contributing ...
by HIinvestor
Tue Jan 23, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Which tropical Island to Retire to ?
Replies: 61
Views: 5266

Re: Which tropical Island to Retire to ?

I agree that renting for a long time (a year or more is good) before you seriously think about buying is always a good idea. I’d want to be fluent in whatever language I’d spoken and not feel I need bodyguards or live in a walled compound. I’d also want to be conveniently near major airports.
by HIinvestor
Tue Jan 23, 2018 4:25 am
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 95
Views: 8259

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

Agree that what transitioning from full-time work tobretiren NR, it’s useful to have a cash or checking ng account cushion to tide you over until all hiccups and finances are smoothed our. This can take weeks or months.
by HIinvestor
Mon Jan 22, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Going to one income-seeking testimonials
Replies: 98
Views: 5057

Re: Going to one income-seeking testimonials

I think it's very important for the spouse staying at home (in your case W) to try to keep herself networking and working at least part-time to keep options open if and when she wants (or has) to go back to work for financial or any other reason. Totally staying out of the job market will leave a ga...
by HIinvestor
Mon Jan 22, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of living comparison (HCOL vs LCOL)
Replies: 85
Views: 6119

Re: Cost of living comparison (HCOL vs LCOL)

Our neighbors contemplated moving from our HCOL area to another HCOL area with significant salary increase. Ultimately, after researching extensively they opted to remain here instead as they didn’t want to force their kids to change schools, move far from family & friends and the bump in salary was...
by HIinvestor
Mon Jan 22, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Help Me Spend $900.00 Unused FSA Dollars
Replies: 42
Views: 2982

Re: Help Me Spend $900.00 Unused FSA Dollars

Custom orthotics and inserts for your footwear can run up quickly, as can allergy control barriers for bedding. We have allergy control barriers on all beds and pillows in our house as we are ALL allergic and it has made a world of difference. HEPA air cleaners have also made a huge difference and y...
by HIinvestor
Mon Jan 22, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 193
Views: 29165

Re: How to Minimize Your Emergency Care Expenses

True—when I had approached or reached OOP max, I’d mention that and no copay would be sought or paid so I didn’t have to get a refund check. Some years we’d reach OOP max by mid-year. Sometimes we’d just get refund checks from insurer or providers if we paid copays after hitting OOP max. It worked o...
by HIinvestor
Mon Jan 22, 2018 5:03 am
Forum: Personal Consumer Issues
Topic: Passport renewal and usage- what's the scoop?
Replies: 33
Views: 2955

Re: Passport renewal and usage- what's the scoop?

The passport card is only an extra $10 IIRC if you get it with the passport, I believe. H got one and I didn’t. Our state’s driver’s license should be sufficient as we meet the real ID requirements. I have only heard of problems if your passport isn’t valid for at least 6 months past your stay out o...
by HIinvestor
Mon Jan 22, 2018 4:25 am
Forum: Investing - Help with Personal Investments
Topic: Should I buy a business or suck it up at a job(s) with a pension.
Replies: 82
Views: 6108

Re: Should I buy a business or suck it up at a job(s) with a pension.

Headline in our paper this morning was an estimate that a family of 4 will be owing over $40,000/year in health insurance premiums if some significant changes aren’t made to reduce healthcare costs in the near future—yikes! Sounds like opinions here are unanimous to nix the car wash and make changes...
by HIinvestor
Mon Jan 22, 2018 3:12 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 193
Views: 29165

Re: How to Minimize Your Emergency Care Expenses

In general, my insurer has a contract with providers that I am only supposed to pay the copay balance AFTER receiving EOB statement. As a practical matter, I will often offer to pay my regular fixed $15 copay for office visits to simplify things and reduce invoices sent to me. When visit is to a pro...
by HIinvestor
Mon Jan 22, 2018 2:13 am
Forum: Personal Finance (Not Investing)
Topic: Going to one income-seeking testimonials
Replies: 98
Views: 5057

Re: Going to one income-seeking testimonials

For our family it gave us a lot of flexibility to keep our expenses low enough so we could live on primarily one income. I was able to do a bit of contracting work part-time and eventually work up to more hours and other part time and full time work, depending on our family’s financial needs as well...
by HIinvestor
Sun Jan 21, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Going to one income-seeking testimonials
Replies: 98
Views: 5057

Re: Going to one income-seeking testimonials

When we were married, we were dual income. After our S was born, I had 3 months maternity leave then H took 6 weeks of working part time and then I stopped out if the workforce for a decade or more when S and then D were very young. Our income was a fraction—33 to 50%— of yours and our mortgage was ...
by HIinvestor
Sun Jan 21, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 95
Views: 8259

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

It is useful to be able to handle a gap between paychecks, just because you can’t KNOW that there won’t be one. When there was a fed govt shutdown last time, our son’s supervisor had to contact each employee to be sure he talk with them about options and resources in case payroll was delayed or not ...
by HIinvestor
Sun Jan 21, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Anyone donated a car to charity?
Replies: 25
Views: 1463

Re: Anyone donated a car to charity?

Yes, the idea of inquiring about donating a car to any school for their students to repair is an excellent one. We have a community college program that does this—don’t think our HSs do this.
by HIinvestor
Sun Jan 21, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Anyone donated a car to charity?
Replies: 25
Views: 1463

Re: Anyone donated a car to charity?

We donated our car—old heavy Cadillac in 1999 to the public radio station. It was still working but had a big dent from being hit while turning. It was auctioned off promptly. I think we claimed the Kelley Blue Book $3000.
by HIinvestor
Sun Jan 21, 2018 3:12 am
Forum: Personal Consumer Issues
Topic: return expensive 3 year old's eye glasses?
Replies: 22
Views: 1774

Re: return expensive 3 year old's eye glasses?

If you want more options in the future, Costco has provided us with glasses for years, including fitting our kids for regular and sports glasses for the past two decades at least— free fitting, afjustments, eyepads replaced and a kids’ discount lenses price as well. Other folks have enjoyed other pr...
by HIinvestor
Sun Jan 21, 2018 1:30 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 193
Views: 29165

Re: How to Minimize Your Emergency Care Expenses

Good point about liability issues RE Telehealth. One on my physician relatives was told by her medical malpractice carrier they'd drop any provider who participated in Telehealth — I’m guessing it was potential liability. It definitely turned my relative away from considering offering it.
by HIinvestor
Sun Jan 21, 2018 1:04 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 193
Views: 29165

Re: How to Minimize Your Emergency Care Expenses

Thanks—very helpful perspective and lists distinguishing which symptoms merit what type of care. Our nonprofit serves folks who have underlying chronic lung condition, so shortness of breath is their main symptom. I encourage them to develop a written action plan with their healthcare provider as to...
by HIinvestor
Sun Jan 21, 2018 12:12 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 193
Views: 29165

Re: How to Minimize Your Emergency Care Expenses

I have been to the ER twice with my D when she was a baby/toddler in early 1990s, before ever hearing of urgent care. The first time she was ill and dehydrated but couldn’t keep fluids down and needed an IV. The second time she was very ill and needed to be admitted to the hospital. We also have urg...
by HIinvestor
Fri Jan 19, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Help Me Spend $900.00 Unused FSA Dollars
Replies: 42
Views: 2982

Re: Help Me Spend $900.00 Unused FSA Dollars

What about vitamins and supplements? High protein bars and drinks? We tended to have no trouble using our FSA but having to submit the paperwork was tedious. Dental work did get it used up pretty quickly, as well as sunglasses, eyeglasses, contacts, travel to see our out-of-state MDs, blood pressure...
by HIinvestor
Fri Jan 19, 2018 4:12 am
Forum: Personal Consumer Issues
Topic: I got a Roomba and think you should too
Replies: 41
Views: 3816

Re: I got a Roomba and think you should too

The Roomba is available at Costco for under $400 and with their coupons sometimes about $350. They have a great return policy—if you’re not happy and bring back all the parts of the item purchased, you will get a full refund, no fuss, no hassles. You can buy any replacement accessories, filters, bru...
by HIinvestor
Fri Jan 19, 2018 1:39 am
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 13908

Re: Can We Retire in Hawaii? Please Critique

OP, since you are going to buy/build a house, your budget projections should assume this instead of a reduced rate for a rental you don’t want to live in long term.
by HIinvestor
Fri Jan 19, 2018 12:55 am
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 7954

Re: Short Commute or Nicer House?

We lived in an apartment that was a short bus ride or drive to and from work for me and a fairly short drive for H. It was walking distance of the pediatrician and children's Hospital, which was an added bonus. It was also walking distance to parks, the library, lots of restaurants. Unfortunately th...
by HIinvestor
Thu Jan 18, 2018 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Federal pension Vs Higher salary + 401k savings plan
Replies: 35
Views: 3371

Re: Federal pension Vs Higher salary + 401k savings plan

The FEHB medical benefit is very nice and can be retained after you retire if you and spouse meet requirements. We have retained it and use it instead of Medicare Advantage, Medigap and Medicare D. I believe you (and spouse if you both want coverage) need to be covered for at least 5 years before yo...
by HIinvestor
Thu Jan 18, 2018 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Paying semi-illiterate vendor via credit card who has no email or computer
Replies: 23
Views: 1888

Re: Paying semi-illiterate vendor via credit card who has no email or computer

Also, it looks like Plastiq assesses an approximately 2.5% fee on the person who transmits the payment.
by HIinvestor
Thu Jan 18, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Costco Citi removing Foreign Transaction Fees; No Fee/Reimbursed Fee International ATM; ; Free International Data
Replies: 40
Views: 4848

Re: Costco Citi removing Foreign Transaction Fees; No Fee/Reimbursed Fee International ATM; ; Free International Data

We have had free T-Mobile text and data when we have traveled to Canada, Taiwan and SKorea. We have the family plan and now the 55+ $60 for 2 line plan. I always call and double check which cards are free for foreign transaction fees before we leave HI. :-) Terms Can change and I don’t want to be st...
by HIinvestor
Thu Jan 18, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 13908

Re: Can We Retire in Hawaii? Please Critique

Did you read the AUW Alice report that I linked in a prior post on this thread. It’s really important to know what you are proposing for yourself, wife and the two kids you currently have plus any additions. The Report is VERY informative in terms of costs in Hawaii. How do you see the numbers in th...
by HIinvestor
Thu Jan 18, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: I got a Roomba and think you should too
Replies: 41
Views: 3816

Re: I got a Roomba and think you should too

We love having our two Roombas in our house. It helps keep the floors nice and clean and has made such a difference in our lives that each of our kids have bought their own for their own homes. We notice much fewer allergy issues now that we use our respective Roombas regularly!
by HIinvestor
Thu Jan 18, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Federal pension Vs Higher salary + 401k savings plan
Replies: 35
Views: 3371

Re: Federal pension Vs Higher salary + 401k savings plan

OP, I’d talk to HR to be sure your estimates and calculations are correct. They seem very high and I wonder if they may be wrong. It would be very upsetting to be basing decisions on faulty information.
by HIinvestor
Thu Jan 18, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 13908

Re: Can We Retire in Hawaii? Please Critique

Jobs in HI on the Big Island (including for attorneys) are much lower than you may expect. If you folks are considering this as a backup, that would be important to explore as well. She’d have to take and pass the HI Bar as well. We have a huge # of attorneys in our state.
by HIinvestor
Thu Jan 18, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 13908

Re: Can We Retire in Hawaii? Please Critique

Be sure you have a plan B in case things don’t work out and you and wife could get jobs and find another place you want to live. Good luck!
by HIinvestor
Wed Jan 17, 2018 2:52 am
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 13908

Re: Can We Retire in Hawaii? Please Critique

Here’s the rules about who is covered as retired military. Only certain dependents are included:

https://www.va.gov/health/aca/FamilyMembers.asp

Tripler is on Oahu NOT on the Big Island and would require a flight to get there and back.
by HIinvestor
Wed Jan 17, 2018 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 13908

Re: Can We Retire in Hawaii? Please Critique

You can’t just drive to the great specialist if you aren’t satisfied with the care you can find on your island of Oahu. Many of the docs in our state are 65+ And many do NOT take new patients. We take trips 2+ times per year for medical check ups. If you need treatments, it can be considerably more ...
by HIinvestor
Tue Jan 16, 2018 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 13908

Re: Can We Retire in Hawaii? Please Critique

Tear downs on my community on Oahu are going for about you want to spend on your land plus dwelling and you have pay for demolition, haul away and construction.
by HIinvestor
Tue Jan 16, 2018 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 13908

Re: Can We Retire in Hawaii? Please Critique

If any of you may need medical care beyond what is available on Oahu as my family and I have for nearly the past two decades, medical travel can be an unexpected significant added expense.
by HIinvestor
Tue Jan 16, 2018 11:30 pm
Forum: Investing - Help with Personal Investments
Topic: Question for Retired BH, over 59.5 with Roth Acct
Replies: 10
Views: 844

Re: Question for Retired BH, over 59.5 with Roth Acct

So far, it’s been watching Roth grow. We hope to leave it to our kids intact (D), but could tap it if needed.
by HIinvestor
Tue Jan 16, 2018 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 13908

Re: Can We Retire in Hawaii? Please Critique

Hi! I have lived in Oahu for most of my life. I agree costs in our state are pretty high. I have a low risk tolerance and would personally be uncomfortable taking on high $800,000-1,000,000 debt when retiring with young kids. One of the things we made sure to do prior to retiring was pay off our mor...
by HIinvestor
Mon Jan 15, 2018 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Strange Life insurance product - keep or dump?
Replies: 18
Views: 1476

Re: Strange Life insurance product - keep or dump?

Yes, what fees are associated with keeping these policies active (annual fees are easiest to consider)? That would factor into the decision on whether to keep or cash in now.
by HIinvestor
Mon Jan 15, 2018 3:45 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 258
Views: 24244

Re: Post your Financial Milestone Announcements Here

Just looked at H’s Roth IRA statement recently and realized it had more than doubled since we put the funds in with no further funds from us — invested and held. It made me smile and will be a happy surprise for H as well. :)
by HIinvestor
Sun Jan 14, 2018 10:02 pm
Forum: Personal Consumer Issues
Topic: OnePlus 5t Smartphone?
Replies: 21
Views: 1273

Re: OnePlus 5t Smartphone?

We all got OnePlus One phones. H and D gave upgraded to 3 and 3T. S and i have switched back to iPhones. For Android, you get a very capable phone for a good price. It’s all personal preference. I find iPhone easier to use while H and D prefer Android (we all had iPhone 5 for awhile). H was interest...
by HIinvestor
Sun Jan 14, 2018 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 95
Views: 8259

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

Wow, funerals I’ve attended or been involved with are generally a considerable time (sometimes months) after the death, so there is time for loved ones to make arrangements.