Search found 1613 matches

by HIinvestor
Wed Feb 11, 2015 1:59 am
Forum: Personal Consumer Issues
Topic: MedicAlert bracelet restricting care to in-network doctors?
Replies: 18
Views: 1550

Re: MedicAlert bracelet restricting care to in-network docto

H has Medicare A & B plus insurance that pays whatever is left (if anything). It has been nice that he rarely has copayments any more. He still has to keep insurance for us, plus the coverage is great and it's withing our means to have all 3, just in case we have awful medical bills. I'm too young a...
by HIinvestor
Wed Feb 11, 2015 1:56 am
Forum: Personal Finance (Not Investing)
Topic: Request rec for cell phone for thrifty senior
Replies: 7
Views: 687

Re: Request rec for cell phone for thrifty senior

That sounds like a good deal--similar to the one I currently have with TMobile.
by HIinvestor
Wed Feb 11, 2015 1:49 am
Forum: Personal Finance (Not Investing)
Topic: Request rec for cell phone for thrifty senior
Replies: 7
Views: 687

Re: Request rec for cell phone for thrifty senior

Still, having only $3/month deducted is pretty reasonable and much lower than other plans. It is important to check out the terms of any plan you get, to be sure you don't have surprise charges and fees. I like TMobile because they're a major carrier and I can generally get some answers from custome...
by HIinvestor
Wed Feb 11, 2015 1:44 am
Forum: Personal Consumer Issues
Topic: MedicAlert bracelet restricting care to in-network doctors?
Replies: 18
Views: 1550

Re: MedicAlert bracelet restricting care to in-network docto

In our state, the ambulance takes you to the empty bed, PERIOD. If you are unconscious, you have even less say, but even if you are alert and able to comminucate, they cannot take you to a hospital where there are no beds and where the hospital says they have no vacancies. Yes, it is NOT fun to argu...
by HIinvestor
Wed Feb 11, 2015 12:54 am
Forum: Personal Consumer Issues
Topic: Joining the free dinner circuit? Promises, promises.
Replies: 100
Views: 12166

Re: Joining the free dinner circuit? Promises, promises.

I believe that these Ruth Chris meals are about $50/person or so (at least that the the figure that the woman mentioned when she was planning a pharma dinner at RC). Of course, YMMV.
by HIinvestor
Wed Feb 11, 2015 12:46 am
Forum: Personal Finance (Not Investing)
Topic: Request rec for cell phone for thrifty senior
Replies: 7
Views: 687

Re: Request rec for cell phone for thrifty senior

My Tmobile plan is $100 Gold Card for 1000 minutes that last a year--no monthly fee. When the year is nearly up, you just buy a new card for $10 or so to top off your minutes and they roll over for another year. It works great. See if you can get that. H was on that plan for many, many years. We bou...
by HIinvestor
Tue Feb 10, 2015 3:53 pm
Forum: Personal Consumer Issues
Topic: Niagara Falls!
Replies: 29
Views: 1729

Re: Niagara Falls!

Oh, yea, we did go the fort on the Ontario side. We stayed at Wyndham Garden Inn and had free parking included in our hotel rate. The rooms were fine and they had a decent coffee shop. We mostly stayed in Ontario, but did have to cross Rainbow bridge several times--in September it wasn't bad. There ...
by HIinvestor
Tue Feb 10, 2015 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: How to make this fair: gifting to kids with different means
Replies: 108
Views: 12544

Re: How to make this fair: gifting to kids with different me

Obviously, this is a touchy subject and has to be handled carefully to minimize hurt feelings. As was pointed out, Child A can always turnndown gifts or re gift them to a Child B, so this doesn't really have to be complicated.
by HIinvestor
Tue Feb 10, 2015 1:29 pm
Forum: Personal Consumer Issues
Topic: Niagara Falls!
Replies: 29
Views: 1729

Re: Niagra Falls!

There is a museum on the Ontario side that H, BIL and I toured. It has an old, restored fire truck and info about the Canadian currency and anti-counterfeiting measures they implemented in it. A guide gave is free materials that pointed these out nicely on Canadian money. They also had clothing you ...
by HIinvestor
Tue Feb 10, 2015 2:28 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth it? [Should I retire?]
Replies: 58
Views: 7784

Re: Is it worth it? [Should I retire?]

H decided when he wanted to retire, fave notice and then was begged to return after being retired 4 weeks. He agreed to return for 6 months max, drawing pension and salary. It was training people to do a job he lived, so he enjoyed it. He now is loving retirement. I'm the one who tripped and injured...
by HIinvestor
Tue Feb 10, 2015 12:06 am
Forum: Personal Finance (Not Investing)
Topic: Amica burned me, now what...
Replies: 43
Views: 9339

Re: Amica burned me, now what...

Agree that a good insurance broker can be invaluable. Please be sure to disclose all info to them and work with them to get a good quote that will provide appropriate coverage. Often it is cheaper if all your insurance is with one company, but I can certainly understand why it's tougher to get an in...
by HIinvestor
Tue Feb 10, 2015 12:02 am
Forum: Personal Finance (Not Investing)
Topic: Private School Financial Aid Question
Replies: 17
Views: 2408

Re: Private School Financial Aid Question

We were STRONGLY counseled to send our kids to private school from kindergarden. We resisted and didn't move them out of public until after middle school. It did cost us a total of about $80K to send them to private HS, but to us, it was well worth the expense because they were much more supportive ...
by HIinvestor
Mon Feb 09, 2015 11:13 pm
Forum: Personal Consumer Issues
Topic: Best laptop under $1000
Replies: 41
Views: 8413

Re: Best laptop under $1000

We favor buying from Costco using AmEx credit card and then evaulating. We have never had any problems in case we don't like them and want to return within their time limit--was 90 days but may have shortened to 30 (check before buying). Personally, I love my Surface as well as my iPad mini. Have ke...
by HIinvestor
Mon Feb 09, 2015 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: How to make this fair: gifting to kids with different means
Replies: 108
Views: 12544

Re: How to make this fair: gifting to kids with different me

To be honest, my BIL may have had more need for money than H because H has a pension with COLA while BIL doesn't. It was nice of SIL to give everything to the brothers equally and they made sure that both were happy with the distribution. It was a significant windfall and helpful to everyone. My par...
by HIinvestor
Mon Feb 09, 2015 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: How to make this fair: gifting to kids with different means
Replies: 108
Views: 12544

Re: How to make this fair: gifting to kids with different me

Yes, we are glad that our kids are done with college and have no debt or loans. S had a lot of the same health issues that D still has, so he has considerable sympathy for her. The two of them are very close and he's grateful for the below market interest loan we have given him and that we are able ...
by HIinvestor
Mon Feb 09, 2015 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement for self-employed parents
Replies: 12
Views: 985

Re: Retirement for self-employed parents

Since your folks ARE self-empeloyed, they COULD set up a 401K if they wanted to, I believe. Our S just set one up and it allowed him to withhold more and also have his employer (himself) contribute to the 401K. He can also contribute to an IRA of $5500 for folks under 50 and $6500/year for folks 50 ...
by HIinvestor
Mon Feb 09, 2015 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: How to make this fair: gifting to kids with different means
Replies: 108
Views: 12544

Re: How to make this fair: gifting to kids with different me

We are helping each kid in different ways. S is definitely kid A with excellent full-time job, significant earnings, savings & retirement accounts. We loaned him money at the lowest interest rate that IRS would allow (40 basis points) and also loaned him money for his solo 401K. He also travels as m...
by HIinvestor
Sun Feb 08, 2015 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: Hospital/medical bill - need advice
Replies: 54
Views: 4706

Re: Hospital/medical bill - need advice

I have had some issues in the past with medical bills and whether all providers were participating or preferred or not. I wanted to be sure my bill did NOT go to collections while we were sorting things out and negotiating, so I kept communicating with all providers and insurer by email and phone so...
by HIinvestor
Sun Feb 08, 2015 7:30 pm
Forum: Investing - Theory, News & General
Topic: Performance of TSP funds
Replies: 39
Views: 3718

Re: Performance of TSP funds

The nice thing about TSP is that expense ratios and administrative fees are very low. It's for current and retired fed employees. Both H and S have money with TSP.
by HIinvestor
Sat Feb 07, 2015 10:29 pm
Forum: Personal Consumer Issues
Topic: Joining the free dinner circuit? Promises, promises.
Replies: 100
Views: 12166

Re: Joining the free dinner circuit? Promises, promises.

How does one get invited to a vanguard meal? Have never heard of them.
by HIinvestor
Sat Feb 07, 2015 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Found $100 Bill at Walmart
Replies: 161
Views: 14913

Re: Found $100 Bill at Walmart

When I have found cash and there is no one around that appears to be looking for it, I try to find the nearest lost and found and tell them that I found some money at ---- time at ---- day on ------ location. I give my phone number and ask that they call me and ID the amount (approx) would work. If ...
by HIinvestor
Thu Feb 05, 2015 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: pay IRS with credit card?
Replies: 19
Views: 2316

Re: pay IRS with credit card?

It's worth checking whether there are any fees with the offer. I had a few-free offer that I used to charge part of a new van with and 0% interest for CC months. I did pay minimum charge and the entire vakance before the interest started, so for je, it truly was FREE. One other thing, I believe IRS ...
by HIinvestor
Thu Feb 05, 2015 2:52 am
Forum: Personal Finance (Not Investing)
Topic: Personal line of credit for a vacation?
Replies: 14
Views: 1424

Re: Personal line of credit for a vacation?

If I were going on a pricey trip and had a high credit rating, I'd think about getting a new credit card with a nice signing bonus and good cash back. It would be even better if no annual fee. There are some that give the equivalent of $400 or more if you spend $xxxx in 90 days or whatever. We did t...
by HIinvestor
Thu Feb 05, 2015 2:30 am
Forum: Personal Finance (Not Investing)
Topic: Personal line of credit for a vacation?
Replies: 14
Views: 1424

Re: Personal line of credit for a vacation?

I periodically have gotten new CCs for signing bonuses. We have also paid off a mortgage and gotten home equity loan that had absolutely NO fees to apply or annually. We have never used it but it is available if we were to suddenly need a lot of cash. Our Credit Rating is in the 800s and we have not...
by HIinvestor
Thu Feb 05, 2015 2:25 am
Forum: Personal Consumer Issues
Topic: Can doctors charge more than co-pay?
Replies: 55
Views: 23747

Re: Can doctors charge more than co-pay?

Some policies have a fixed set copay whenever we have a visit with any MD. For example, my copay is always $15, no matter which md I see, initial visit, emergency visit, specialist, etc. other plans have deductibles and/or variable copays, which makes things more complicated to calculate. Offices ha...
by HIinvestor
Thu Feb 05, 2015 2:18 am
Forum: Personal Finance (Not Investing)
Topic: Personal line of credit for a vacation?
Replies: 14
Views: 1424

Re: Personal line of credit for a vacation?

Agree that it makes no sense to pay interest to try to further boost your already very high credit score. Enjoy Iceland and the money you will get as a rebate by charging it on your favorite cash back CCard. 800+ is a very high credit score. I believe 840 is often the highest possible, so why bother...
by HIinvestor
Wed Feb 04, 2015 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Largest Credit Card Sign Up Bonuses/Churning
Replies: 18
Views: 4715

Re: Largest Credit Card Sign Up Bonuses

H and I each got 70K UR point signing bonuses with Ink Plus, as long as you spent $5k in 90 days after receiving card. We each got a card for our respective businesses and charged a trip we are taking. Using the card provides travel insurance at no extra charge. When you redeem the points on their w...
by HIinvestor
Wed Feb 04, 2015 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Freedom to take Financial Employment Risks
Replies: 5
Views: 883

Re: Freedom to take Financial Employment Risks

The thread was in MrMoneyMoustache and is FU (fed up--or something else) money, which allowed folks to leave bad situations. It goes on for many pages and many of the posters express a lot of emotion about toxic work situations they left. As a side note, H was eventually rewarded for his amazing wor...
by HIinvestor
Wed Feb 04, 2015 12:30 pm
Forum: Personal Consumer Issues
Topic: What to buy sweetie for Valentine's Day
Replies: 97
Views: 8357

Re: What to buy sweetie for Valentine's Day

How about MAKING her a DVD or CD that has songs that remnd you of her or the two of you? Personalized music that she could enjoy while thinkig of you would be cool. That is one of my favorite gifts from our kids. A photobook or digital picture frame with photos of the two of you would also be nice. ...
by HIinvestor
Wed Feb 04, 2015 4:14 am
Forum: Personal Finance (Not Investing)
Topic: What was your financial situation before having first child?
Replies: 34
Views: 4148

Re: What was your financial situation before having first ch

Agree with others that you and your spouse having combined income in the mid $100Ks is much better off than 95-99% of people in the US. You are in good shape, even if you may need to tweak things and make some adjustments with additional costs of childcare or one of you reducing hours to help care f...
by HIinvestor
Wed Feb 04, 2015 3:43 am
Forum: Personal Consumer Issues
Topic: Perspectives on house with a pool
Replies: 34
Views: 4512

Re: Perspectives on house with a pool

My dad put in a 20'x40' in-ground pool when I was in HS. By then, me and my older sibs weren't much interested in it. My younger sibs did enjoy the pool for several years. Fast forward to when our kids & their cousins were young, they DID play in the pool when we went to the folks several times a mo...
by HIinvestor
Wed Feb 04, 2015 3:11 am
Forum: Investing - Theory, News & General
Topic: Vanguard survey: what should they do differently?
Replies: 72
Views: 6712

Re: Vanguard survey: what should they do differently?

They should have a REAL, VALID Durable Power of Attorney (DPOA) that is valid in all 50 states that you can sign and have others sign when you open your account with them. Their NOT having this is a major disincentive for us to have assets with them. Don't want a document (or several) that are kinda...
by HIinvestor
Wed Feb 04, 2015 3:01 am
Forum: Personal Finance (Not Investing)
Topic: Freedom to take Financial Employment Risks
Replies: 5
Views: 883

Freedom to take Financial Employment Risks

I was reading on another thread about how liberated others have felt when they felt they had sufficient financial freedom to take some risks about jobs. It was a fascinating thread but had a lot of anger expressed by a lot of the posters. I thought I'd start this thread to let folks post about choic...
by HIinvestor
Wed Feb 04, 2015 12:24 am
Forum: Personal Finance (Not Investing)
Topic: [Poll] Company & Job Longevity
Replies: 24
Views: 2628

Re: [Poll] Company & Job Longevity

The first law firm I worked for sort of merged and sort of folded--pretty much everyone left, tho several of the attorneys are still practicing law at various places. H had his first job with the federal government and tho he has changed location and organization within the federal govt several time...
by HIinvestor
Wed Feb 04, 2015 12:14 am
Forum: Personal Consumer Issues
Topic: alaska cruise
Replies: 35
Views: 5295

Re: alaska cruise

If you are sensitive to smoke, the good news is that Princess is very restrictive about where folks can smoke--casino and one other very limited smoking area on deck ONLY. Since H & I are HIGHLY allergic to smoke, we were happy that the Golden Princess was nearly smokefree and allowed us to enjoy th...
by HIinvestor
Tue Feb 03, 2015 11:58 pm
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 92
Views: 9306

Re: POLL: Do you personally own a cell phone?

I bought an inexpensive ($30-50) phone from WalMart for TMobile. I paid $100 for a TMobile phone card that has 1000 minutes that last 1 year. Every year, just before it expires, I add $10 phone card to top off the minutes that then roll over and last another year. I NEVER get any spam calls from TMo...
by HIinvestor
Tue Feb 03, 2015 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: What was your financial situation before having first child?
Replies: 34
Views: 4148

Re: What was your financial situation before having first ch

When we had our first child, we both had full-time jobs. We were renting an apartment and saving our money. H had 2 rentals that he purchased as a bacehlor that had negative cash flow every month that consumed what was left of his paycheck (after we paid our basic living expenses) with the shortfall...
by HIinvestor
Tue Feb 03, 2015 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Do retired Bogleheads have rising net assets?
Replies: 42
Views: 6544

Re: Do retired Bogleheads have rising net assets?

Our withdrawal rate is the RMDs mandated by IRS. We actually net more than we spend, with pension, rental income, investments and RMDs. Our net assets rise modestly.

We haven't touched our Roth IRAs.
by HIinvestor
Tue Feb 03, 2015 2:49 am
Forum: Personal Finance (Not Investing)
Topic: tipping by iPad
Replies: 40
Views: 4568

Re: tipping by iPad

I was guilted into tipping for takeout service a few times, but usually I do NOT tip for counter or takeout servcie. If that isn't included in the cost of the items purchased, the restaurant needs to rethink. I do tip if they bring the food to us and refill water and other beverages or are a regular...
by HIinvestor
Mon Feb 02, 2015 11:13 pm
Forum: Personal Consumer Issues
Topic: [Purchasing a] wife's purse
Replies: 44
Views: 6110

Re: [Purchasing a] wife's purse

What a thoughtful gift at a great price! Win/win!
by HIinvestor
Mon Feb 02, 2015 11:01 pm
Forum: Personal Consumer Issues
Topic: Joining the free dinner circuit? Promises, promises.
Replies: 100
Views: 12166

Re: Joining the free dinner circuit? Promises, promises.

Actually, I take it back. Did attend one dinner by Ameriprise or something with our neighbors. It was an excellent buffet and they won the $50 gift card door prize. None of us could figure out what they were trying to sell us other than the idea that we all needed financial planners and didn't have ...
by HIinvestor
Mon Feb 02, 2015 9:06 pm
Forum: Personal Consumer Issues
Topic: Joining the free dinner circuit? Promises, promises.
Replies: 100
Views: 12166

Re: Joining the free dinner circuit? Promises, promises.

Make oodles of money from real estate in your spare time--no money down! Extreme couponing--get tons of merchandise at a fraction of retail price! Timeshare presentation--free and you get a free vacation to hear our great pitch! Have not chosen to spend my time and energy attending any of these wond...
by HIinvestor
Mon Feb 02, 2015 1:22 pm
Forum: Personal Consumer Issues
Topic: Can doctors charge more than co-pay?
Replies: 55
Views: 23747

Re: Can doctors charge more than co-pay?

I think insurers count on a large % of their insureds NOT questioning or hassling with trying to figure out it'll questioning problems with billing. They will reluctantly make the correction if you persist but pocket the profits when you and providers don't notice or complain. :(
by HIinvestor
Mon Feb 02, 2015 1:32 am
Forum: Personal Finance (Not Investing)
Topic: Are car loans really that bad?
Replies: 86
Views: 17843

Re: Are car loans really that bad?

We bought a new van in 1999. I didn't have the cash in hand at the moment the car was delivered, so was able to charge the car on two credit cards. One gave us 1-2% cash back on the amount charged & I paid it befor the balance was due. The other was 0% interest for 18 months, as long as you paid the...
by HIinvestor
Mon Feb 02, 2015 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Standard deduction and housing
Replies: 10
Views: 1489

Re: Standard deduction and housing

With one mortgage company, we were allowed to pay all our insurance and property taxes directly instead of via escrow. WIth the mortgage company we refinanced with, they would NOT allow us to pay these expenses directly on our own. :(
by HIinvestor
Mon Feb 02, 2015 1:11 am
Forum: Personal Finance (Not Investing)
Topic: Rules Of Thumb For Personal Finance?
Replies: 20
Views: 3414

Re: Rules Of Thumb For Personal Finance?

Agree with living within or below your means. Agree with never carrying a credit card balance and NEVER paying a late fee. Also agree with avoiding credit whenever possible. Agree that saving and investing in retirement accounts early and regularly is important. I do not necessarily agree with disia...
by HIinvestor
Sun Feb 01, 2015 10:08 pm
Forum: Personal Consumer Issues
Topic: Can doctors charge more than co-pay?
Replies: 55
Views: 23747

Re: Can doctors charge more than co-pay?

If the doc is participating and preferred, he has signed a contract that you will pay no more than copay. If the doc is out of network, they aren't limited to the copay under your contract. You can call your insurer and check.
by HIinvestor
Sat Jan 31, 2015 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Leave $ in State Retirement?
Replies: 8
Views: 1003

Re: Leave $ in State Retirement?

Another thing to consider is that you MAY at some point wish to do backdoor IRA contributions and if so, it's better NOT to have IRA funds around. Agree that there is a LOT to be said for the benefits of having a defined benefit pension with COLA available--it will reduce the need for you to withdra...
by HIinvestor
Sat Jan 31, 2015 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Take the job?
Replies: 68
Views: 4178

Re: Take the job?

The increase you'll be getting in pay will help offset any reduction H has in pay . Your inlaws may decide they love having a place to visit when the midwest is cold and snowy. I'd say YOU go visit one more time to be sure you LOVE it and then agree to vote after 3.5 years after you accept the new p...
by HIinvestor
Sat Jan 31, 2015 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Dilemma
Replies: 28
Views: 3112

Re: Term Life Insurance Dilemma

Also, if you don't get a guaranteed 30 year term policy, you (or W) may not be renewed (or only at very high premiums) if health issues pop up that make you an unattractive risk. One other issue is that some employers offer subsidized group life insurance as part of their employment package. Of cour...