Search found 1352 matches

by HIinvestor
Sun Dec 03, 2017 4:36 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10909

Re: Price of haircut?

H and I get haircuts for $20 apiece including tip. Hairdresser comes to our house and does a good job. She will cut our D and S’s hair for same price when they’re interested and available. We get cues every 6-12 weeks and live in suburbs in VHCOL Honolulu.
by HIinvestor
Sun Dec 03, 2017 4:30 am
Forum: Personal Consumer Issues
Topic: Philanthropy and related issues
Replies: 50
Views: 3563

Re: Philanthropy and related issues

I give a lot of time and financial support to the local nonprofit I founded and related national nonprofits as well as some to public health organizations.
by HIinvestor
Sat Dec 02, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Any retired boglehead doctors out there?
Replies: 78
Views: 9828

Re: Any retired boglehead doctors out there?

One of my allergists and my dermatologist works P/T. I know a few P/T internists and some that fill in for other MDs when they go in vacation.
by HIinvestor
Fri Dec 01, 2017 4:16 am
Forum: Personal Consumer Issues
Topic: Does it make sense to drop health insurance?
Replies: 198
Views: 7772

Re: Does it make sense to drop health insurance?

I have not read any guarantees that health insurance won’t go back to NOT covering ire-existing conditions, particularly if there is any gap or lapse in coverage. The idea of discontinuing insurance seems to assume that during the next open enrollment anyone can just apply for and get full medical i...
by HIinvestor
Thu Nov 30, 2017 2:51 am
Forum: Personal Finance (Not Investing)
Topic: Any retired boglehead doctors out there?
Replies: 78
Views: 9828

Re: Any retired boglehead doctors out there?

One if my in-laws chose her specialty (derm) on the ability to go part time. She’s worked part time most of her career, MWF and starts early and ends early (7-2 most days). She enjoys work but loves her time off as well and has a nice work-life balance.
by HIinvestor
Thu Nov 30, 2017 1:27 am
Forum: Personal Consumer Issues
Topic: Does it make sense to drop health insurance?
Replies: 198
Views: 7772

Re: Does it make sense to drop health insurance?

To me, the worst case is by deciding to go without insurance for xx days/months/years, you and your loved ones incur huge health costs, are unable to get good care with permanent bad health consequences, and become unable to get insurance at any price due to pre-existing conditions you all develop.
by HIinvestor
Wed Nov 29, 2017 11:36 pm
Forum: Personal Consumer Issues
Topic: Problems with Medical Alert
Replies: 8
Views: 584

Re: Problems with Medical Alert

I would contest the $150 charge with the CCard Company and complain to both consumer protection and better business bureau. Sounds sleazy to me!
by HIinvestor
Wed Nov 29, 2017 12:27 am
Forum: Personal Finance (Not Investing)
Topic: FIRE [financial independence/retire early]
Replies: 140
Views: 14049

Re: FIRE [financial independence/retire early]

The thing is folks can’t always return to employment st the same or comparable salary as when they left. For example, I was an associate at a law firm and paid pretty well and then took a break for some years to raise our kids. Breaking back into the workforce was challenging and initially did not p...
by HIinvestor
Tue Nov 28, 2017 10:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 307
Views: 43181

Re: Roll Call for the Retirement Class of 2017!

H gave notice he was retiring months ahead of time, since he was concerned about training replacements. His supervisor begged him to return for 6 months with pension, benefits and salary. He opted to do so and had no regrets but told them at the end of the 6 months he was REALLY done. The extra 6 mo...
by HIinvestor
Tue Nov 28, 2017 3:33 am
Forum: Investing - Theory, News & General
Topic: Charles Schwab Experiences?
Replies: 89
Views: 12103

Re: Charles Schwab Experiences?

We have had Schwab accounts for over a decade. Have had no problems. I like that they have bricks and mortar offices, including in HI.
by HIinvestor
Tue Nov 28, 2017 2:00 am
Forum: Personal Finance (Not Investing)
Topic: Dental bill four years after service
Replies: 32
Views: 3757

Re: Dental bill four years after service

We get statements from insurer showing what they paid and what our share is. We get some minimal dental coverage from our medical insurance. My understanding is that generally claims must be submitted to insurer in a timely manner (6-12 months from date of service) or they may be denied as stale. I ...
by HIinvestor
Mon Nov 27, 2017 4:49 am
Forum: Personal Finance (Not Investing)
Topic: Anyone bail early and regret it?
Replies: 12
Views: 2894

Re: Anyone bail early and regret it?

Agree that we can only plan our best and deal with changes as the occur. We planned as best we could and then after many decades, the federal government FINALLY passed legislation improving H’s retirement IF he worked x additional years but would worsen it if H worked beyond that. That helped us cho...
by HIinvestor
Mon Nov 27, 2017 4:32 am
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 46
Views: 4241

Re: Trip to Hawaii - what do I need to know

Sunscreen of 50 or higher is strongly advised, as is avoiding being in the sun between 10-4 (per dermatologist). If you do want to be out in Sun, consider wearing Sun protective clothing—rash guards when in the water (about $20 at WalMart, Sam’s and Costco). Nylon Sun protective clothes thing is als...
by HIinvestor
Sun Nov 26, 2017 7:59 pm
Forum: Personal Consumer Issues
Topic: Women's socks for hot feet
Replies: 12
Views: 812

Re: Women's socks for hot feet

Ive only been using Thorlo socks for many years now. They are moisture-wicking and have built-in padding and arch supports. I like them. S prefers Uniqlo socks which are synthetic as well and thinner.
by HIinvestor
Sun Nov 26, 2017 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: How much to REALLY save for college (529s)
Replies: 13
Views: 1024

Re: How much to REALLY save for college (529s)

If you don’t want to commit too much to a 529, you can save some in taxable and elsewhere. Your child/you will just have more options on Us if more funds have been saved, for undergrad and potential grad/pro schools. Both our kids ended up at private U. S got nice merit aid covering > 1/2 his tuitio...
by HIinvestor
Sat Nov 25, 2017 6:43 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 247
Views: 35254

Re: Roll Call for the Retirement Class of 2016!

H retired in 12/2012 and then was hired to work for an additional 6 months. Honestly I’m not sure when I “retired” or if I have. I started a nonprofit I love in 2007 and have been running it full time and now part time ever since. I am also engaged in public health organizations related to my nonpro...
by HIinvestor
Sat Nov 25, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: going out to dinner with friends and how to split the bill
Replies: 86
Views: 5470

Re: Etiquette question: going out to dinner with friends and how to split the bill

Separate checks seems easy and most wait help are fine with it as long as they know at the outset so there are no surprises.
by HIinvestor
Sat Nov 25, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Any retired boglehead doctors out there?
Replies: 78
Views: 9828

Re: Any retired boglehead doctors out there?

It is very frustrating for patients AND caregivers in the current environment, where the pace of medicine seems very hurried/rushed for everyone. I know I have caught some errors that I attribute to my providers being too rushed and having my case blended with so many other patients. I feel that as ...
by HIinvestor
Sat Nov 25, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: The fallacy of spending money on "experiences" vs hard assets
Replies: 336
Views: 18415

Re: The fallacy of spending money on "experiences" vs hard assets

I have to say I enjoy both--quality hard assets as well as enjoyable experiences, even if they cost money. Travel and dining for us are part of the experiences, often with extended family and loved ones. Also, getting together often involves travel as S is in DC, D is in CA and we are in HI. I'm hap...
by HIinvestor
Sat Nov 25, 2017 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Daughter did Summer job
Replies: 20
Views: 1983

Re: Daughter did Summer job

Agree that it’s a great idea to fund your D’s Roth IRA and all the other advice you got. Congrats to your D and hope she continues to keep earning and growing her Roth.
by HIinvestor
Sat Nov 25, 2017 3:25 am
Forum: Personal Consumer Issues
Topic: Cell Phone "family plans" Sprint for 4
Replies: 25
Views: 1717

Re: Cell Phone "family plans" Sprint for 4

Please be sure to read the fine print on any deal. The sprint deal rate is thru 1/2019, I believe. They will throttle speed after 1st 10gb of data, I believe. My kids don’t want their data speeds throttled.
by HIinvestor
Fri Nov 24, 2017 11:13 pm
Forum: Personal Consumer Issues
Topic: Any BLACK FRIDAY deals for Bogleheads?
Replies: 51
Views: 7101

Re: Any BLACK FRIDAY deals for Bogleheads?

Bought cashmere cardigans from Lands End for 50% off, plus used eBates and my USAA cashback credit card for more discounts. I have heard/read that these are good quality and do not pill.
by HIinvestor
Fri Nov 24, 2017 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 100
Views: 9526

Re: Regrets for taking SS at 62 or waiting?

My folks are 88 and nearly 93, but I was diagnosed with a progressive chronic illness when I was 40. Currently, we have no need for SS and would just invest it. We get a pension from H’s employer that more than covers our expenses (including significant travel). H is significantly older than I—when ...
by HIinvestor
Fri Nov 24, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Cell Phone "family plans" Sprint for 4
Replies: 25
Views: 1717

Re: Cell Phone "family plans" Sprint for 4

As far as I know, the T-Mobile plan has no limits on the hotspot use or tethering. The Sprint plan appears to limit hotspot to 10gb. Hotspot is an important feature for S and may also be for D. We have better T-Mobile reception than Sprint.
by HIinvestor
Fri Nov 24, 2017 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Any need for professional tax preparer?
Replies: 14
Views: 1514

Re: Any need for professional tax preparer?

Professional tax preparers are useful when one has real estate and a business but not really for uncomplicated tax returns like yours. Even folks with real estate and running their own business are fine with doing their own taxes if they are fairly organized (my relative does his own returns and is ...
by HIinvestor
Fri Nov 24, 2017 4:14 pm
Forum: Personal Consumer Issues
Topic: Cell Phone "family plans" Sprint for 4
Replies: 25
Views: 1717

Re: Cell Phone "family plans" Sprint for 4

It's the best deal we've found that is all inclusive and has no limits and no throttling, plus no excess charges. So far, we've been very happy. Taxes and fees have a way of constantly increasing, so we are pleased that it's $60 with no extra add-ons. It's supposed to be good "forever" and you pre-p...
by HIinvestor
Fri Nov 24, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Cell Phone "family plans" Sprint for 4
Replies: 25
Views: 1717

Re: Cell Phone "family plans" Sprint for 4

We have a 2 line plan on T-Mobile for $60 including ALL fees and taxes, unlimited text, data and talking, plus some international texting and data at no extra charge. You have to have at least one person on the plan age 55 or older. I have a plan with D and H has a plan with S. It's the cheapest all...
by HIinvestor
Tue Nov 21, 2017 3:04 am
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 54
Views: 6319

Re: Drive it till it dies. It died.

My Toyota van had transmission problems just before my extended warranty that I purchased from the dealer expired. It was only 55 months old and had only about 50,000 miles on it. The dealer wanted to charge me for “cleaning” and other nonsense but I pointed out that under the bumper to bumper warra...
by HIinvestor
Tue Nov 21, 2017 12:23 am
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 46
Views: 4241

Re: Trip to Hawaii - what do I need to know

Try reading Fodors.com, especially the forum where folks post about their experiences. One way you could see the state is via a cruise between the islands that lasts a week and docks at each island. Island hopping by plane and not spending much time in any place is tiring. Traffic, especially on Oah...
by HIinvestor
Mon Nov 20, 2017 8:06 pm
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 140
Views: 10760

Re: What are the things you want to do between 55 and 65?

I have been working part-time since my kids graduated from college and I was in my early 50s. I'm very happy and can work as much or as little as I choose. We travel as much or as little as we choose as well. We have more than enough money to do what we want, when we want it. I'm happy and so is H, ...
by HIinvestor
Mon Nov 20, 2017 3:07 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 14513

Re: Dave Ramsey says don't use credit cards, even if you pay them off

Credit cards offer important protections at no extra charge, depending on the card. Thus may include travel insurance, extended warranty, loss protection, damage protection, car rental insurance and more. I’ve gotten back over $1000 in cash back every year, plus some free airline trips and more. I’v...
by HIinvestor
Sun Nov 19, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 14513

Re: Dave Ramsey says don't use credit cards, even if you pay them off

When I was on a tight budget I used to only spend cash plus ocasional checks. I also wrote down every dime I spent. That was my method primarily until I was done with undergrad and grad school. Toward the end of grad school, I also acquired a CC or two which I paid off in full every month. Once I gr...
by HIinvestor
Sun Nov 19, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 6104

Re: How much do you budget for vacation?

Honestly we don’t budget and never have, tho we live well below our annual income. We take about 4 or more trips a year that last 1-3+ weeks. Sometimes my airfare is covered, sometimes a night or more of hotel is covered, more often it is all on our own dime but airfare is rarely more than $1000/per...
by HIinvestor
Sat Nov 18, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?
Replies: 27
Views: 4836

Re: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?

I’m so sorry you’ve had a problem. I’ve never had issues and all 4 in our family have been getting glasses there regularly for the past few decades. When we are not happy, we get a full refund, no hassles. I’m surprised you are having difficulty and would ask to speak with the manager of the optical...
by HIinvestor
Sat Nov 18, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Southeast Asia trip - Cash handling
Replies: 19
Views: 1426

Re: Southeast Asia trip - Cash handling

Schwab reimbursed for ATM fees and has no foreign transaction fees if you use their debit card with your Schwab checking account. It can be handy to have a debit card to get cash from ATMs as needed. I prefer that to carrying significant amounts of cash, personally.
by HIinvestor
Sat Nov 18, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: Retirees: I got this!!
Replies: 82
Views: 10278

Re: Retirees: I got this!!

H retired 5 years ago. I’m working part-time and am VERY happy with what I do in the nonprofit I started and larger role I’m taking in the national nonprofit I’ve been volunteering in. When the kids were in college, I was more active about pursing funding so I could help pay their expenses and tuiti...
by HIinvestor
Wed Nov 15, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: Regrets after reaching retirement?
Replies: 42
Views: 4688

Re: Regrets after reaching retirement?

We have been very happy so far. I quit work shortly after S was born so I could stay home and raise him and D. We lived below our budget and always tried to go with H when he traveled. We treasured our family trips. Once our kids were older, I went back to work part time to help build our savings an...
by HIinvestor
Wed Nov 15, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 5211

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: 11797

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: 4188

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: 38613

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: 38613

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: 1508

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: 5865

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: 2635

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: 11232

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: 13872

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: 844

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: 2442

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: 5661

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.