Search found 1221 matches

by HIinvestor
Mon Sep 11, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?
Replies: 31
Views: 3825

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

Our CPA files our return electronically and we haven't filed a paper return in many decades. Our cpa has our PIN. Hopefully the IRS won't let anyone blithely change things.
by HIinvestor
Mon Sep 11, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 60
Views: 7614

Re: Equifax - credit freeze is now free?

So much is tied to SSN that changing it will cause more hassles for the person changing and the tons of records linked to it. Even ID theft victims are not offered new SSN.
by HIinvestor
Mon Sep 11, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 232
Views: 40154

Re: USAA 2.5% Cash Back Credit Card

Dang, didn't know we'd only get 1% back on ES tax payments. I guess I will switch to another form of payment. :( Hmmm--need to look up my USAA account. I just checked my statement and it APPEARS I got back the regular 2.5% from my estimated tax payments that I just made yesterday. :) I even got 2.5%...
by HIinvestor
Mon Sep 11, 2017 3:54 am
Forum: Personal Finance (Not Investing)
Topic: Safe Deposit Box Fee (Bank of America)
Replies: 35
Views: 12681

Re: Safe Deposit Box Fee (Bank of America)

What is VPW? We have rented a safety deposit box for many years. We went from the smallest size to a larger size. I believe it's under $100/year and this year they waived the charge because they moved the boxes from our supermarket branch of the bank to another branch that is slightly less convenien...
by HIinvestor
Sun Sep 10, 2017 11:01 pm
Forum: Personal Consumer Issues
Topic: Rental Car Scam--Insurance claim or credit card chargeback?
Replies: 9
Views: 1613

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

I had a similar situation where the car rental company on Molokai claimed I returned the rental car with a nail in one of the tires and they had to repair it and charged me $25. I asked them for documentation so it would be covered by the CCard company but they refused to provide any. I told the CCa...
by HIinvestor
Sun Sep 10, 2017 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Open a HELOC? With whom?
Replies: 13
Views: 1005

Re: Open a HELOC? With whom?

There was no appraisal by anyone for our HELOC if the amount was $250k or less( well below FMV and property tax assessed value). It just involved a bit of paperwork and time and was approved. I can't recall having to provide much--perhaps H's most recent pay stub.
by HIinvestor
Sun Sep 10, 2017 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: At what point would you considering Umbrella Insurance
Replies: 37
Views: 3697

Re: At what point would you considering Umbrella Insurance

Per our agent, there are certain policy limits on your various insurances that have to be in place so you can qualify for umbrella coverage. The limits required were lower than max possible auto coverage and cheaper to get that lower limit plus umbrella with better coverage.
by HIinvestor
Sun Sep 10, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Open a HELOC? With whom?
Replies: 13
Views: 1005

Re: Open a HELOC? With whom?

I opened my HELOC in 2011, just before H retired. We had absolutely NO costs associated with it--no appraisal fee, no annual costs. We have never used it and will likely let it lapse or close when the issuing company wants to close it for our many years of no use. If you are thinking of opening such...
by HIinvestor
Sun Sep 10, 2017 11:55 am
Forum: Personal Finance (Not Investing)
Topic: At what point would you considering Umbrella Insurance
Replies: 37
Views: 3697

Re: At what point would you considering Umbrella Insurance

We did get the excess policy limits tendered and paid in. Several cases where our client was injured. When the policy was significant, it made it much less likely that the injured party would have to pursue personal assets of the defendant.
by HIinvestor
Sun Sep 10, 2017 5:20 am
Forum: Personal Finance (Not Investing)
Topic: At what point would you considering Umbrella Insurance
Replies: 37
Views: 3697

Re: At what point would you considering Umbrella Insurance

Yes, but in addition to damages, one needs to also have a defense attorney, representing you and looking out for your interests as well as compensating the parties who were injured. A good umbrella policy provides the attorney as well as payment up to policy limits to cover damages.
by HIinvestor
Sun Sep 10, 2017 4:41 am
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 66
Views: 9971

Re: Consider freezing your credit

Equifax charged me and H. Maybe it varies by state.
by HIinvestor
Sun Sep 10, 2017 4:31 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11804

Re: Anyone else freeze their credit score?

Reposting from above link the FTC.gov articles from @TropikThunder about FAQs on fraud alerts and security freezes.

https://www.consumer.ftc.gov/articles/0 ... difference

https://www.consumer.ftc.gov/articles/0 ... raud-alert
by HIinvestor
Sun Sep 10, 2017 4:31 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11804

Re: Anyone else freeze their credit score?

Reposting from above link the FTC.gov article about FAQs on security freezes.

https://www.consumer.ftc.gov/articles/0 ... raud-alert
by HIinvestor
Sun Sep 10, 2017 3:04 am
Forum: Personal Finance (Not Investing)
Topic: At what point would you considering Umbrella Insurance
Replies: 37
Views: 3697

Re: At what point would you considering Umbrella Insurance

Yes, defense coverage is expensive. Unbrella coverage an extra attorney on top of any other attorney your other insurance or other sources may provide. Having a good attorney is much cheaper than the premiums you pay. I believe my umbrella is for $2mm, which is a decent amount. Was never given a quo...
by HIinvestor
Sat Sep 09, 2017 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11804

Re: Anyone else freeze their credit score?

For good measure, I just opted out of receiving pre-approved offers for both H and myself. I'm tired of them cluttering our mailboxes and tossing them out. Good riddance!

https://www.optoutprescreen.com
by HIinvestor
Sat Sep 09, 2017 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11804

Re: Anyone else freeze their credit score?

A credit freeze will prevent most folks from being able to apply for a credit card or open a bank account in your name. To me, that's valuable, whether or not you have a credit card. That's why we froze our accounts at the 5 credit bureaus.
by HIinvestor
Sat Sep 09, 2017 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Credit Card....need to send Drivers License/SS Copies?
Replies: 12
Views: 1254

Re: Applying for Credit Card....need to send Drivers License/SS Copies?

I've been approved for many CC's--sometimes online instantly, sometimes a bit later with an email or phone call confirmation. I have never sent DLicense & SS copies. H never has either. We have excellent credit (scores >800).
by HIinvestor
Sat Sep 09, 2017 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 73
Views: 35493

Re: Can't freeze credit at Experian?

Yes, there are those big 3 plus Innovis and also ChexSystems. I figured if I'm going to be complete and protect myself and H, we might as well be thorough.
by HIinvestor
Sat Sep 09, 2017 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11804

Re: Anyone else freeze their credit score?

90 days of the fraud alert will fly by--that doesn't seem to be much real protection for a breach of this magnitude, IMHO; when it ends you will be unprotected unless you remember to extend it and jump through whatever hoops are required. I guess everyone has different risk tolerance and ability to ...
by HIinvestor
Sat Sep 09, 2017 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance when not in flood plain?
Replies: 39
Views: 3657

Re: Flood Insurance when not in flood plain?

I've seen houses flood in areas that are not near streams or bodies of water when the "responsible agency" doesn't do proper maintenance and/or irresponsible people dump things in drainage canals that ought to have been properly disposed of. The damage is staggering and unpredictable, even though th...
by HIinvestor
Sat Sep 09, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: First Class Stamps on Large Packages
Replies: 26
Views: 1880

Re: First Class Stamps on Large Packages

Yes, the big issue is if you ship anything weighing more than 13 ounces, you need to give it to one of the staff or use the kiosk and your CC or debit card and it needs to fit in their unlocked mailing bin or given to them during working hours. I have put on excess stamps, had them make me a machine...
by HIinvestor
Sat Sep 09, 2017 9:35 pm
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 66
Views: 9971

Re: Consider freezing your credit

I did it last night for all 5 of my accounts and all 5 of H's: Experian Equifax Transunion Innovis ChexSystems I was fine. H had a glitch with Transunion. It didn't like the answers he gave to multiple choice questions about his credit file. Ultimately, it told him he needed to call them to complete...
by HIinvestor
Sat Sep 09, 2017 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: At what point would you considering Umbrella Insurance
Replies: 37
Views: 3697

Re: At what point would you considering Umbrella Insurance

I worked as an attorney for some years. During that time , I noted that many of the best attorneys in town were on retainer with the insurers that folks carried umbrella policies with. I've had umbrella coverage since I graduated from law school decades ago. Recently the premiums went down so we dou...
by HIinvestor
Sat Sep 09, 2017 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance when not in flood plain?
Replies: 39
Views: 3657

Re: Flood Insurance when not in flood plain?

We weren't in the flood plain and after the maps were redrawn we are now inside the edge of the floodplain. We purchased insurance and I believe the premiums reflect your risk--further away and less risk us lower premiums. For peace of mind we started buying flood and hurricane policies as soon as w...
by HIinvestor
Sat Sep 09, 2017 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 70
Views: 29125

Re: Is a security freeze at Innovis really needed?

I also did security freezes with the big 3 plus Innovis and ChexSystems for H and me. I figure it it's a hassle for me, it should be a bigger hassle for the BADDIES to misuse my info. I want to make us as unattractive targets as possible and hope they will look for easier prey to get real jobs inste...
by HIinvestor
Sat Sep 09, 2017 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11804

Re: Anyone else freeze their credit score?

You can just search online for the names of each of these companies and credit freeze or security freeze. The FTC.gov website also has info about placing security freezes, with links.
by HIinvestor
Sat Sep 09, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 73
Views: 35493

Re: Can't freeze credit at Experian?

We did all 5 credit bureaus yesterday for H and me. We only had a slight glitch with Transunion because some of their info is dated/old and we didn't like the multiple choice options. Fortunately we were able to complete the freeze over the phone. It was easier than when we did fraud alerts previous...
by HIinvestor
Sat Sep 09, 2017 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11804

Re: Anyone else freeze their credit score?

We froze our accounts with all 5 systems yesterday online plus one phone call with TransUnion because they had inaccurate info about where our S is living. We froze the big 3 plus ChexSystems and Innovis. The latter two we were not charged and they were recommended on a few places as well. We have a...
by HIinvestor
Sat Sep 09, 2017 4:50 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 49929

Re: Equifax customer information leak

I froze my accounts and H's today. It was all done online. No downloading or uploading of docs was required. We did the 3 major companies plus the 2 that we hadn't heard of before, Innovis and ChexSystems. We ran into a glitch when we were trying to finish H's Transunion freeze--they asked twice whe...
by HIinvestor
Tue Sep 05, 2017 1:13 am
Forum: Personal Finance (Not Investing)
Topic: If I died today, what would my spouse do?
Replies: 69
Views: 14237

Re: If I died today, what would my spouse do?

I am also a wife who handles most of our finances. My H figures I have a vested interest and will likely outlive him because he's over a decade my SR and my folks are still alive and in good health (his folks died at younger ages than mine currently are). I have files and passwords and he knows wher...
by HIinvestor
Fri Sep 01, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Self insure vs Medigap when on "traditional" Medicare
Replies: 73
Views: 4940

Re: Self insure vs Medigap when on "traditional" Medicare

In our family, my folks gave Medicare A & B plus coverage from former employer that dad retired from. H also has Medicare A & B plus different former employer he retired from. If he or dad didn't have coverage from former employer, I'd get them Medicare advantage or supplemental policy because other...
by HIinvestor
Wed Aug 23, 2017 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: What do you do with RMD money you don't need?
Replies: 51
Views: 4538

Re: What do you do with RMD money you don't need?

We have been using our RMD to support a relative with chronic health issues who can't work. Anything we have left over at the end of the year goes toward CDs or other investments. Sometimes we give each of our adult children a significant cash gift as well.
by HIinvestor
Thu Aug 17, 2017 4:21 am
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 11226

Re: Anyone planning on never retiring?

H retired after working 45 years. He has kept himself very busy with all the deferred maintenance around the house (and we have a rather modest home). He also researches whatever he wants to buy to fix any portion of the house extensively before he chooses and purchases. We also travel 4-6 times/yea...
by HIinvestor
Wed Aug 16, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 8706

Re: T-Mobile promotion for 55+

We brought our own phones--OnePlus and unlocked iPhone 6s from Apple Store. For us, the coverage is fine. There is no contract. It's month to month and you are guaranteed $60 for 2 lines if you have it on auto-pay. There is supposedly no cap on usage and no throttling of speed. It reduced our bill o...
by HIinvestor
Wed Aug 16, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Medical/insurance - one fee per visit or one per service?
Replies: 3
Views: 414

Re: Medical/insurance - one fee per visit or one per service?

My optometrist wants me to return so he can charge for another visit rather than doing everything in one day and getting less payment. It's not convenient for me. I now go to an Ophthamologist instead and get it done at one time but also need the optometrist for the vision checks.
by HIinvestor
Tue Aug 15, 2017 12:18 am
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 5250

Re: Best Housing To Avoid Noise

Agree that it's good to walk around the neighborhood and talk to the neighbors. Is it near a school? Park? Busy road? Will you be having windows open or closed? How old are most of the residents? Are there lots of renters? Lots of loud parties or bands practicing? Is someone doing autobody work in t...
by HIinvestor
Tue Aug 15, 2017 12:11 am
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 8706

Re: T-Mobile promotion for 55+

Well we switched and saved > $200/yr, plus no throttling of our speed. We now that two accounts--H and S and Me and D @$60/pair of lines.
by HIinvestor
Mon Aug 14, 2017 11:07 pm
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 5250

Re: Best Housing To Avoid Noise

For us, having polite owner occupants is great--we have a single-family home in a quiet neighborhood. Tenants tend to be a bit less considerate. I rented an apartment for many years that had poured concrete walls. I couldn't hear any of my neighbors, except when they socialized in the parking lot th...
by HIinvestor
Mon Aug 14, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: best credit card for airline mile
Replies: 37
Views: 5686

Re: best credit card for airline mile

Agree with the above post. I like the USAA 2.5% cash back card, which is great for those of us who qualify. H likes his Chase Sapphire preferred, which he got with a 70k signing bonus awhile back. It can be used for any airline and gives primary CDW for car rentals. It was useful when someone broke ...
by HIinvestor
Sun Aug 13, 2017 11:20 pm
Forum: Personal Consumer Issues
Topic: PayPal - Any Disadvantages?
Replies: 49
Views: 5154

Re: PayPal - Any Disadvantages?

I'm not a fan of PayPal. I used them on an eBay transaction. The item received was NOT as described or promised. PayPal said I had to try to work it out with seller, since I received SOMETHING. Ultimately, my CC re-credited me since neither seller not PayPal would cooperate. I know other folks who h...
by HIinvestor
Sun Aug 13, 2017 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Expect to spend $2.6M on healthcare?
Replies: 66
Views: 6915

Re: Expect to spend $2.6M on healthcare?

It depends on many factors. Some folks are fortunate to have lifetime insurance coverage with former employer -- they pay a portion of premiums and employer pays other portion. Their insurer may have annual cap in out of pocket expenses and pay 100% over said amount--that cap could be 4 figures or 5...
by HIinvestor
Sun Aug 13, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 8706

Re: T-Mobile promotion for 55+

I'm thinking of having one of my kids on an account with me and H on a different account with the other kid. This way, it will be $120 for the entire family, which is less than we are currently paying for the 4 of us. Both H and I are over 55 but of course our kids are both well under 55. ;)
by HIinvestor
Mon Jul 17, 2017 2:16 am
Forum: Personal Consumer Issues
Topic: Credit Card Extended Warranty for a TV
Replies: 15
Views: 1299

Re: Credit Card Extended Warranty for a TV

Agree that the CC extended warranty has worked for me as well. Sometimes the CC company has me take it to a store they specify for the item to be evaluated, while sometimes they mail me a box with pre-paid label to send the item in for evaluation. In any case the warranty folks have always paid any ...
by HIinvestor
Sat Jul 08, 2017 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: How does fixed pension affect your target net worth?
Replies: 8
Views: 1224

Re: How does fixed pension affect your target net worth?

How secure is your pension and the company that is providing it? If it's very secure (fed govt or another very solvent source), what we did was figure out how much we expected to spend annually in retirement and compare it to the total annual income we expected in retirement and made sure we had ass...
by HIinvestor
Sat Jul 01, 2017 2:14 am
Forum: Personal Finance (Not Investing)
Topic: Engagement Ring Insurance
Replies: 46
Views: 3566

Re: Engagement Ring Insurance

We never insured my engagement ring, but I have never lost it. We have also never insured our wedding rings but they were $100 apiece, I believe. If I lost my ring or had it stolen, it would sadden but not greatly impact us financially, even if we bought the same or a "better" one. We did have some ...
by HIinvestor
Wed Jun 28, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Happy Meeting with CPA Tax Preparer
Replies: 20
Views: 2203

Re: Happy Meeting with CPA Tax Preparer

Where does one find a fiduciary tax advisor for personal (not business) planning? I guess I will ask my friend who has a PhD in economics who she uses. She's heading toward retirement now and has made some interesting choices.
by HIinvestor
Wed Jun 28, 2017 5:12 am
Forum: Personal Finance (Not Investing)
Topic: Happy Meeting with CPA Tax Preparer
Replies: 20
Views: 2203

Re: Happy Meeting with CPA Tax Preparer

The pension will decrease to 55% if H predeceases me. If I predecease him, it will increase by 10%. I think the net premiums are well worth the face value of the policy. The pension more than covers our expenses. We don't NEED insurance but it provides a nice return on the modest premium for the sad...
by HIinvestor
Tue Jun 27, 2017 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Happy Meeting with CPA Tax Preparer
Replies: 20
Views: 2203

Happy Meeting with CPA Tax Preparer

I thought it would be a good idea to sit down with our CPA tax preparer and chat since we've been having him prepare our taxes for the past 5 years. I'm pleased to say it was a very happy meeting. He says that since we are living well below our means, we actually must have a financial plan as we can...
by HIinvestor
Tue Jun 27, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 15809

Re: Sam's Club vs. Costco

We live a 5-minute drive from Costco and shop there at least weekly. They are a great place to buy fruit, such as apples and oranges. They also have good prices on most things. Their employees tell me they are treated well and are very loyal and stay and are often promoted from within. They do have ...
by HIinvestor
Tue Jun 20, 2017 3:30 am
Forum: Investing - Help with Personal Investments
Topic: Helping my parents with their retirement
Replies: 31
Views: 4418

Re: Helping my parents with their retirement

Be very careful about what your folks have to do to keep health insurance with either or both employers in retirement. With the fed govt, they will pay a big portion of medical premiums for medical insurance if you meet requirements and want it in retirement. It's important to look into these requir...