Search found 1648 matches

by HIinvestor
Sun Sep 02, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: Crazy Rich Asian -> Movie
Replies: 16
Views: 2402

Re: Crazy Rich Asian -> Movie

We enjoyed the movie as some escapism. It was better than we expected but not “deep.” It did show some caricatures of how people with $$$ behave (think Paris Hilton etc). It made us think how tough it would be to be VERY rich and try to live a “normal” life. We are kind of glad not to be that wealth...
by HIinvestor
Fri Aug 31, 2018 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in a Broadway show production
Replies: 28
Views: 2434

Re: Investing in a Broadway show production

I would definitely want to know what successful other shows the principals have been in previously—Director, main cast members, etc.
by HIinvestor
Wed Aug 29, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: How to Pass on Money Against My Sister's Wishes (Ethics and Finance)
Replies: 74
Views: 7574

Re: How to Pass on Money Against My Sister's Wishes (Ethics and Finance)

I agree with all the others that dementia care can add up fast and render all of this moot, requiring all the assets your sis has as well as the funds you are holding for her. If she dies while you (or your wife) still have any assets remaining, I’d be sure funds are given to all 4, even if that mea...
by HIinvestor
Sun Aug 26, 2018 4:14 am
Forum: Personal Finance (Not Investing)
Topic: Varying college costs across kids in the same family
Replies: 92
Views: 5232

Re: Varying college costs across kids in the same family

Agree that despite best intentions, not all kids “launch” and go off on their own at the same time or way. Having the young adult complete HS and any schooling thereafter is no guarantee that the young adults will end up with a career that can pay their bills. There are many boomerang young (& not s...
by HIinvestor
Sat Aug 25, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: How do you calculate net worth with pensions?
Replies: 105
Views: 6740

Re: How do you calculate net worth with pensions?

Pension, SS and similar can greatly reduce the amount you would need to withdraw from savings/investments to live on. Calculating a fmv on it isn’t too useful unless you plan to sell it?
by HIinvestor
Sat Aug 25, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Ladies: bra shopping question
Replies: 63
Views: 8736

Re: Ladies: bra shopping question

Do due diligence—BBB has lots of complaints about the company being promoted in the above post by Tony-roach.

Costco sells bralets and other undergarments—may be a good option if they carry a size that works for you —great return policy.
by HIinvestor
Sat Aug 25, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: Ladies: bra shopping question
Replies: 63
Views: 8736

Re: Ladies: bra shopping question

Agree that getting properly fitted st Nordstrom’s or bloomingdale’s and buying a bra or two would be a good investment. Another option is to go to s lingerie shop that helps folks get fitted and buy one or two items for on them. Thereafter, you can buy similar/identical bras online or at discount pl...
by HIinvestor
Sat Aug 25, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in a Broadway show production
Replies: 28
Views: 2434

Re: Investing in a Broadway show production

My friends invested in Allegiance—i think they lost every penny but did get a deduction, I believe for the loss.
by HIinvestor
Sat Aug 25, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Financial education for kids
Replies: 14
Views: 841

Re: Financial education for kids

We would give each of the kids some spending money when we went on vacation (like $1/day for entire trip). That money was to be used for any treats or items at gift shop or whatever and NO begging or whining. It worked well for us. My friend came up with a budget with her kids and their allowance ha...
by HIinvestor
Thu Aug 23, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: Have a 50K hospital bill reason - too much insurance
Replies: 16
Views: 2420

Re: Have a 50K hospital bill reason - too much insurance

When H was working, his insurer was always primary before Medicare. I agree that insurer and Medicare need to work it out and if they can’t, the insurance commissioner’s office can help move things toward resolution. Doesn’t sound like too much insurance, just stubborn folks who don’t want to pay yo...
by HIinvestor
Thu Aug 23, 2018 3:33 am
Forum: Personal Finance (Not Investing)
Topic: When the rubber hits the road [Progressive Dementia thread with merged updates]
Replies: 108
Views: 9917

Re: When the rubber hits the road [Progressive Dementia thread with merged updates]

Wishing you and your wife and loved ones the best, OP, while continuing your challenging journey. I hope you are enjoying living in our beautiful state as well as CO. I recognize some of what is being described in loved ones and know that the steps you have taken are very wise and well-advised to he...
by HIinvestor
Wed Aug 22, 2018 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Varying college costs across kids in the same family
Replies: 92
Views: 5232

Re: Varying college costs across kids in the same family

We gave each kid funding so they could get their undergrad degree. S received a 50% tuition merit award plus a gift of spending money from a doting relative. D ended up at the same private U with NO merit (so we paid full freight). Ultimately both kids got the degrees they wanted from the same U. Bo...
by HIinvestor
Mon Aug 20, 2018 4:17 am
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 151
Views: 14947

Re: As an American, where are some great places in the world to retire?

I agree that each person and/or couple has to figure out what they do/don’t want and prioritize. Hawaii has temperate climate but rather high COL and especially high real estate prices. There are also volcanic fumes/emissions and impressively BAD traffic. At the moment, it’s where H and I are happy ...
by HIinvestor
Sun Aug 19, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Sunglasses for kids?
Replies: 8
Views: 806

Re: Sunglasses for kids?

It depends a great deal on the kid. I’d definitely consider the lenses that say 100% UVA/UVB protection. I may buy a better pair, put a keeper on them and pay for it with a CCard that gives extended warranty, loss or damage protection for 90 days after purchase. I did that with some Costco $30 sungl...
by HIinvestor
Sun Aug 19, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 108
Views: 6645

Re: PCP Wants Full Charge Up Front [Primary Care Physician]

Definitely explore your options before burning any bridges. In our state, primary care MDs are very tough to find as well.
by HIinvestor
Sun Aug 19, 2018 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of medical events that may ruin your retirement?
Replies: 73
Views: 5527

Re: What kind of medical events that may ruin your retirement?

Well, being diagnosed with a serious chronic condition can run up a lot of bills fast—kidney disease, diabetes, asthma or other lung disease, MS, ALS, heart disease, chronic Lyme, cancer, tumors, any accident which breaks bones or tendons or other body parts, or what our dear friend just died of, be...
by HIinvestor
Sun Aug 19, 2018 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 108
Views: 6645

Re: PCP Wants Full Charge Up Front [Primary Care Physician]

Our insurance policy and what all participating in network providers sign says NO payments by patients until after insurance pays. That said, some offices have us pay our $15 copay unless we are getting near our OOP maximum or for H who has Medicare as his primary and generally only has copays for d...
by HIinvestor
Sat Aug 18, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: Best (most practical, low cost) Luggage for Airline Travel
Replies: 56
Views: 3908

Re: Best (most practical, low cost) Luggage for Airline Travel

We have Delsey Helium and Briggs & Riley 22” 2-wheeled rollerblades made with cordura nylon. They’ve lasted and lasted. We have taken them on board and checked them and have no complaints. H’s Delsey finally gave it up—wheels started disintegrating after 12+ years, so we donated it. Here’s a review ...
by HIinvestor
Sat Aug 18, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Switching jobs: what’s your number?
Replies: 12
Views: 1364

Re: Switching jobs: what’s your number?

I’ve never taken or switched a job for $$$, nor has H ever done so. Sorry, can’t help your survey. I always accepted jobs because of other factors, as did H.
by HIinvestor
Fri Aug 17, 2018 11:49 pm
Forum: Investing - Help with Personal Investments
Topic: How much contribute to a Roth account for dependent kid?
Replies: 4
Views: 400

Re: How much contribute to a Roth account for dependent kid?

I never know my gross taxable wages, so always wait until I get my W-2s, so I don’t contribute too much. I think funding his Roth IRA is a great way to help him grow his future! We did that for our kids as well. In any case, he may earn some more during the year, who knows?
by HIinvestor
Fri Aug 17, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Continue flood insurance after mortgage paid off?
Replies: 15
Views: 1124

Re: Continue flood insurance after mortgage paid off?

We keep properties where flood policies are available insured so we can sleep well at night. Same with hurricane coverage. We have no bank holding a note requiring us to insure but with all the extreme weather, it seems prudent these days. (I admit for a few years, we didn’t have the policies becaus...
by HIinvestor
Fri Aug 17, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Best (most practical, low cost) Luggage for Airline Travel
Replies: 56
Views: 3908

Re: Best (most practical, low cost) Luggage for Airline Travel

It really depends on your style. Do you plan to fly within Europe? Will you be toting your own? Will you be catching trains? Going up/down stairs? Luggage sizes and weights for carry on flights in Europe are lighter and smaller than US, so please check. Go to a luggage store or department and try di...
by HIinvestor
Fri Aug 17, 2018 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Elderly Relative Short on Money
Replies: 98
Views: 8831

Re: Elderly Relative Short on Money

If she really loves watching your children and you really want to hire her, you could pay her what you’d have to pay whomever is watching your kids, which would be higher than minimum wage, plus overtime if it’s over 40 hours/week. That could supplement her income and earnings as well. $500 a month ...
by HIinvestor
Fri Aug 17, 2018 3:48 am
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 45
Views: 1780

Re: Mail order pharmacy

I used to use whatever mail order pharmacy was in-network and preferred by my insurer. A while back, they switched to CVS and it's the same price if I pick it up in 90 day increments or have it mailed. I prefer picking it up, as I know we will go straight home and it isn't sitting on my doorstep in ...
by HIinvestor
Fri Aug 17, 2018 3:27 am
Forum: Personal Finance (Not Investing)
Topic: Maternity Leave and Open Enrollment - Insurance costs
Replies: 7
Views: 633

Re: Maternity Leave and Open Enrollment - Insurance costs

The birth of a child is a qualifying event under most policies (check with your HR). If so, at the time she gives birth, both the baby and she can become covered under your policy, IF your policy allows it. I wouldn't want mother who recently gave birth (or anyone) to be without insurance coverage f...
by HIinvestor
Fri Aug 17, 2018 3:20 am
Forum: Personal Finance (Not Investing)
Topic: Marriage Name Change Logistics
Replies: 14
Views: 1565

Re: Marriage Name Change Logistics

It's amazing how little anyone looks at ID when your name and address don't match between the ID and a card/check you're presenting. I was married over 30 years ago and legally changed my name to take H's last name. SS was very insistent that the SS card they issued match the way my name was signed ...
by HIinvestor
Thu Aug 16, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Pop up tent camper
Replies: 24
Views: 2830

Re: Pop up tent camper

Have you tried them out via rental first? We rented one once/year for a few summers and noticed how quickly it deteriorated by being exposed to the elements. The zippers corroded and it got musty and mildewy. The kids and we quickly found it unwholesome for our health sensitivities, and we all we’re...
by HIinvestor
Thu Aug 16, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Lock Suitcases on International Flight or Not?
Replies: 32
Views: 2753

Re: Lock Suitcases on International Flight or Not?

We use nothing, paper clips or wire twist ties, whichever we think of at any given time. We have not had any problems nor noticed anything stolen. It’s mainly to keep zippers from being left open. I’ve noticed sometimes TSA thoughtfully opens zippers and leaves them open—HAVEN’T figured out a way to...
by HIinvestor
Wed Aug 15, 2018 10:04 pm
Forum: Personal Consumer Issues
Topic: Adult piggy bank
Replies: 54
Views: 4770

Re: Adult piggy bank

Hmmm, I guess I don’t often get change and when we do, we try to use it at an opportune time. We do use CCards a lot. I’m happy getting my 2.5% back and redeem it when I feel like it. I have stashes of quarters in film containers and pill bottles, for parking meters, when they are needed. They have ...
by HIinvestor
Wed Aug 15, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: Where to buy white, athletic fit dress shirt?
Replies: 52
Views: 3165

Re: Where to buy white, athletic fit dress shirt?

D has dress shirts from Express and Uniqlo. He gets the tailored or slim fits. He had H buy a fitted shirt from Uniqlo too. H only wears suits once every few years and only wears dress shirts about as often.
by HIinvestor
Tue Aug 14, 2018 4:38 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 306
Views: 40348

Re: Low-earners- What is your profession?

H worked for the fed govt for 45 years as a computer systems analyst. For the first 39 years he made way under $100k/year—actually it was many, many years before he even made $10k/year. He was the main breadwinner. After we had kids, I put my career on hold and spent many years volunteering at the s...
by HIinvestor
Sat Aug 11, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6806

Re: Paper checks yes or no?

We still write checks for gifts. That adds up quickly as we had a large extended family. All my banks give us “free” checks. I do auto transferred between them and do autopay regular water and electric. I do pay by phone (check) for many of our other bills, which vary. Knock wood but we have not eve...
by HIinvestor
Sat Aug 11, 2018 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning-Advice
Replies: 5
Views: 773

Re: Estate Planning-Advice

If you are married, you and your spouse need to think about what you each want to do Uc your spouse survives you. Do you want all to go to survivor? What is survivor marries again and wants to leave everything to new spouse and family, nothing for your original kids? Another thing to consider is if ...
by HIinvestor
Thu Aug 09, 2018 3:32 am
Forum: Personal Finance (Not Investing)
Topic: Prescription Price Shopping?
Replies: 37
Views: 2417

Re: Prescription Price Shopping?

One other odd wrinkle with insurance is some insurers like my Fed BC/BS like to incentivize patients to get 90-day supplies of Rx so will charge NO copay or a very minimal one for 90 day supply but a higher copay for a 30- day supply of the SAME Rx. For folks taking several maintenance Rx, these cop...
by HIinvestor
Thu Aug 09, 2018 1:36 am
Forum: Personal Finance (Not Investing)
Topic: Employer will not indemnify me cause I am retired
Replies: 56
Views: 5549

Re: Employer will not indemnify me cause I am retired

I agree that all board members should have access to the D&O policy and read it, as well as their umbrella policy. If you don’t feel there is coverage, I’d resign.
by HIinvestor
Wed Aug 08, 2018 4:03 am
Forum: Personal Finance (Not Investing)
Topic: Personal liability issues as a result of hiring uninsured & unlicensed handyman
Replies: 33
Views: 3734

Re: Personal liability issues as a result of hiring uninsured & unlicensed handyman

We only work with bonded, insured, licensed workers for tree trimming and painting multi-story buildings. We like sleeping well at night. Too many bad things could happen—very expensive to defend lawsuits—-I’m sn attorney but wouldn’t want to defend myself.
by HIinvestor
Wed Aug 08, 2018 3:55 am
Forum: Personal Finance (Not Investing)
Topic: "Skin in the game"
Replies: 105
Views: 7360

Re: "Skin in the game"

I also think “skin in the game” is over-rated. The parents and kids each contribute toward the college ed (and beyond) as much as they are willing and able. The kids will always have “skin in the game,” as his/her/their options will be partly determined by what happens while they are students—what t...
by HIinvestor
Tue Aug 07, 2018 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Comfort level with Credit Card Balance
Replies: 86
Views: 5765

Re: Comfort level with Credit Card Balance

I just pay the statement balance in full every month. I’m fine with the float being unpaid until it appears on my CCard statement. I’ve never paid interest or late fees and never expect I will. I did use a 0% CCard and paid the minimum monthly to help purchase a van once—we paid the balance in full ...
by HIinvestor
Tue Aug 07, 2018 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?
Replies: 45
Views: 2169

Re: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?

One more thing we were recently notified about is you can use up to $100 every 5 years for pre-check or global entry and get a refund for the $100. That’s a pretty good deal if you are planning to get it anyway. We are going to get it for D (we each already have it) and United said the $100 world wo...
by HIinvestor
Tue Aug 07, 2018 4:22 am
Forum: Personal Finance (Not Investing)
Topic: Prescription Price Shopping?
Replies: 37
Views: 2417

Re: Prescription Price Shopping?

I agree that your insurer is the place to start, particularly for maintenance medications (those you take on a regular basis, like daily or even weekly). They usually have a in-network pharmacy and Rx purchased there are generally a lower copay than Rx purchased at non-network pharmacies. They may a...
by HIinvestor
Tue Aug 07, 2018 2:10 am
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 15620

Re: Will you pay for your kids' college/graduate education?

We paid for both our kids to attend private U. For S, he got 1/2 tuition merit award, so it wasn’t as painful as expected. D took 3 semesters at CCollege (practically free) and transferred to the private U where she was full pay. :-( S graduated and had 3 job offers in his field by Feb of SR year. H...
by HIinvestor
Tue Aug 07, 2018 1:33 am
Forum: Personal Finance (Not Investing)
Topic: Medical expenses while on Medicare
Replies: 48
Views: 2708

Re: Medical expenses while on Medicare

My relative is a retired state employee. His retirement includes lifetime fully paid insurance and Medicare premiums for both him and spouse. His out of pocket costs have been pretty minimal since between his insurance and Medicare A&B, pretty much everything is covered for both him and spouse, incl...
by HIinvestor
Mon Aug 06, 2018 2:19 am
Forum: Personal Consumer Issues
Topic: Cost of ownership of buying Model 3
Replies: 50
Views: 3271

Re: Cost of ownership of buying Model 3 vs keeping my M235i.

My friends have two Teslas. They have to have Tesla replace the tires and have the maintenance plan for it. Most other places they checked don’t want to change Tesla tires as the chasis is quite different from other vehicles and they don’t want the liability of possibly damaging the vehicle. Because...
by HIinvestor
Sat Aug 04, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Home is *just* outside flood zone - how much flood insurance do I buy?
Replies: 50
Views: 3074

Re: Home is *just* outside flood zone - how much flood insurance do I buy?

We always purchase the max flood insurance because weather has been getting more and more extreme recently. Our home wasn’t in the flood zone originally but the flood zone was redrawn and now we are in it. We purchase max flood insurance but so far fortunately haven’t needed it tho our neighbors wer...
by HIinvestor
Fri Aug 03, 2018 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Liability/Umbrella Insurance Question
Replies: 22
Views: 1270

Re: Auto Liability/Umbrella Insurance Question

We found it cheaper to just have an umbrella policy plus the limits on auto recommended to have the umbrella policy. We recently increased the umbrella from $1mm to $2mm for same low premium of a few hundred $$.
by HIinvestor
Tue Jul 31, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve travel insurance
Replies: 33
Views: 3637

Re: Chase Sapphire Reserve travel insurance

It can also depend on the adjuster. In 2010, had to cancel trip to Europe due to Iceland volcano exploding AND a lung infection with a note from my lung doc. Got full reimbursement of $150 change fees for all 4 of us for $600. Only needed claim form and letter from on MD. Believe it was Chase Sapphi...
by HIinvestor
Mon Jul 23, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: TSA Pancake Mix Drama
Replies: 22
Views: 2618

Re: TSA Pancake Mix Drama

Even years ago, sea SALT received extra attention from TSA! The salt was purchased to be given as gifts—it was a made in HI product. It even triggered the metal detector. I guess it might work better if you put it in checked luggage, if it wasn’t confiscated.
by HIinvestor
Mon Jul 23, 2018 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to change one's career in their 40s?
Replies: 88
Views: 8185

Re: Is it possible to change one's career in their 40s?

At age 50, I started a nonprofit that I’ve now run for over a decade and enjoyed it immensely—it’s health education and advocacy. It’s not really related to any of my prior jobs or career. If the will and interest is there, I’d say many folks COULD change careers at age 40 or 50 or whenever they wan...
by HIinvestor
Thu Jul 19, 2018 4:40 am
Forum: Personal Finance (Not Investing)
Topic: Should I get a warranty for my new glasses?
Replies: 24
Views: 1388

Re: Should I get a warranty for my new glasses?

I like using the free extended warranties that I get by purchasing things with our CCards. Many cards have free extra year or two warranty if you purchase using their cards. I have had extended warranties on two cars in my life and got more than the price of the warranty both times as the transmissi...
by HIinvestor
Thu Jul 19, 2018 4:34 am
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 62
Views: 9132

Re: Be Careful Using Mailboxes

Thanks--I have delegated working with the IRS to straighten out their confusion to the CPA. He has experience dealing with them and I have none. We prepaid for any little snafus and he's happy to get things worked out promptly. I'm sure he and his office will let us know what the issue with the IRS ...