Search found 1462 matches

by HIinvestor
Sat Mar 03, 2018 4:49 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 37297

Re: What UN-frugal thing do you do?

Buying presents for loved ones—is a joy to me as the giver and brings joy to the recipients. :-) Technically i guess it is an unfrugal thing but great fun! We are planning to buy a new vehicle to replace our 19 and 20 year old vehicles, one day. Since both vehicles are going strong, we don’t yet kno...
by HIinvestor
Fri Mar 02, 2018 3:46 am
Forum: Personal Finance (Not Investing)
Topic: Advice Needed After Rear Ended Collision
Replies: 31
Views: 3247

Re: Advice Needed After Rear Ended Collision

Just a thought about next steps once you resolve this particular incident: I’d shop around to see if you can find insurance known for treating their policyholders well. We use an independent insurance agent. She helps us find the best rates with companies that treat policyholders well. To me the pea...
by HIinvestor
Fri Mar 02, 2018 3:35 am
Forum: Personal Consumer Issues
Topic: Strategies for getting out of a car dealership quickly?
Replies: 78
Views: 6954

Re: Strategies for getting out of a car dealership quickly?

Congrats, OP for standing your ground and getting the cancellation you wanted. I agree that if only buy an extended warranty directly from the manufacturer. I was able to get GM to give me a free extended warranty once and bought one from Toyota. I would also rate poorly someone who strung me along ...
by HIinvestor
Fri Mar 02, 2018 1:12 am
Forum: Investing - Help with Personal Investments
Topic: IRA phaseout range
Replies: 4
Views: 466

Re: IRA phaseout range

I generally have the amount I can contribute when we do our taxes, just to be safe. I agree that it’s better than having to undo an excess contribution or similar.
by HIinvestor
Tue Feb 27, 2018 1:02 am
Forum: Personal Consumer Issues
Topic: Wide ankle high comfy walking shoes for @@ Hawaiian Feet???
Replies: 42
Views: 2209

Re: Wide ankle high comfy walking shoes for @@ Hawaiian Feet???

This is the brand my BIL just introduced us to today. He wore them for the first time and was pleasantly surprised at how comfortable the are. He grew up in HI with very wide feet as well. H and I plan to give them a try. https://www.orthofeet.com/collections/men-shoes https://www.orthofeet.com/coll...
by HIinvestor
Mon Feb 26, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Credit Cards?? [Credit card vs. debit card]
Replies: 107
Views: 4755

Re: Thoughts on Credit Cards??

I personally like the benefits and protections of credit cards: extended warranty, CDW for car rental, travel insurance, etc., as well as the cashback and points toward whatever you choose.
by HIinvestor
Mon Feb 26, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Laid off 3 years before plan, should I retire anyway?
Replies: 59
Views: 6049

Re: Laid off 3 years before plan, should I retire anyway?

OP says $850K after selling expenses. Seller can shelter $500k from capital gains due to marital exclusion of residential real estate. OP can buy a new property for $350K or more, wherever he and his W decide to settle. I’d agree that renting for a year or at least many months before buying is prude...
by HIinvestor
Sat Feb 24, 2018 11:33 pm
Forum: Investing - Theory, News & General
Topic: Atlantic Article: This Is What Life Without Retirement Savings Looks Like
Replies: 26
Views: 4635

Re: Atlantic Article: This Is What Life Without Retirement Savings Looks Like

Pretty scary that According to the article, over 1/2 the single homeless are folks over 50—yikes! That doesn’t bode well at all. :(
by HIinvestor
Sat Feb 24, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: Favorite socks?
Replies: 83
Views: 5335

Re: Favorite socks?

I like Thorlo socks. I have mostly all black socks, two pairs of navy, one of white. I also have two pairs that are a bit longer for airline travel so they’re no gap between slacks and socks. For Christmas, bought some packs if Costco wool socks and H, D, S and I love them. The price was very reason...
by HIinvestor
Fri Feb 23, 2018 12:01 am
Forum: Investing - Help with Personal Investments
Topic: reverse mortgages
Replies: 3
Views: 488

Re: reverse mortgages

They have quite a lot of fees and the amount your were loaned, interest and all fees are immediately due and owing if you are no longer living in the house full time. Read the terms very carefully and be sure you understand what you’re getting into. There may be much better options.
by HIinvestor
Thu Feb 22, 2018 11:57 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 37297

Re: What UN-frugal thing do you do?

We live in VHCOL Honolulu (as does most of my extended family). We also continue to fully support our D, including all medical and living expenses, even though she graduated debt-free from expensive private U, as did S (who supports himself). We also enjoy eating out, travel, and cooking when we fee...
by HIinvestor
Wed Feb 21, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Clever phishing -- be careful!
Replies: 21
Views: 1575

Re: Clever phishing -- be careful!

I always call back my institutions with the phone number printed on my CC or statement. I try not to take chances with all the pfishing going on. I limit most of our CC purchases to one CC and check that regularly.
by HIinvestor
Wed Feb 21, 2018 3:40 am
Forum: Investing - Theory, News & General
Topic: Statistic:Percent of people in LTC with a surviving spouse?
Replies: 8
Views: 1151

Re: Statistic:Percent of people in LTC with a surviving spouse?

LTC insurance varies—read the terms and conditions as well as info about premiums and benefits very carefully before purchasing. Many people are NOT getting what they expect, paying for decades only to be denied when they apply for benefits. Others find premiums sharply rise as they get older, makin...
by HIinvestor
Wed Feb 21, 2018 1:41 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 40795

Re: What frugal thing did you do today?

The past two days I called Citi about their CC statements. On one, they took/stole $.59 from me and called it an inactivity fee. I asked the Custoner Service Rep where it describes this in my card agreement. He said he had never heard Uc it and apologized and gave me an extra $10 cash back for my Co...
by HIinvestor
Mon Feb 19, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 91
Views: 8101

Re: Effect of spending money on appearance in career

I’d agree that it’s a good idea to meet with personal shopper at your favorite upscale store about updating your classic work wardrobe and seriously looking for a new job where you will be properly valued. Depending on the pieces you already have, the financial cost can be fairly low to freshen and ...
by HIinvestor
Mon Feb 19, 2018 1:36 am
Forum: Personal Consumer Issues
Topic: Sams Club vs Costco
Replies: 78
Views: 6327

Re: Sams Club vs Costco

You are probably right that the individual stores for Sam’s and Costco may vary their inventory somewhat, based on community location. Overall though, in our state it does seem that Costco does aim for middle to upper income folks, generally while Sam’s seems to go for mid to lower income. It’s just...
by HIinvestor
Mon Feb 19, 2018 1:00 am
Forum: Personal Finance (Not Investing)
Topic: Emergency costs
Replies: 22
Views: 1443

Re: Emergency costs

The max generally we are out of pocket for a medical emergency is the annual out of pocket catastrophic limit set forth on our policy (currently in our case, $xxxx per person and 3xxxx per family. If H had lost his job when he was the sole or major breadwinner, we figured we would could get a home e...
by HIinvestor
Mon Feb 19, 2018 12:49 am
Forum: Personal Consumer Issues
Topic: Sams Club vs Costco
Replies: 78
Views: 6327

Re: Sams Club vs Costco

They have much nicer clothing items and better clothing quality at Costco than Sam’s (we are members of both). They bring in more designer luggage at Costco than Sam’s (bought some Briggs & Riley wheelaboard suitcases for 33-50% off at Costco but never saw anything similar at Sam’s). Sam’s does sell...
by HIinvestor
Sun Feb 18, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 9845

Re: Do you wear a wedding band? [at a job interview]

I’ve been wearing my engagement and wedding ring since I got them over 3 decades ago. My H wore his wedding ring for a few years and then was pulling cable at work and had to take his ring off for safety. It was found in the parking lot at his office. The jeweler was able to smooth out the rough spo...
by HIinvestor
Sun Feb 18, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Signed up for American Express - "Premium" car rental insurance
Replies: 46
Views: 3314

Re: Signed up for American Express - "Premium" car rental insurance

When we had the rear window replaced because a thief smashed it to grab and steal S’s backpack in the car, there was no loss of use charge tacked on and Chase promptly reimbursed us the entire $455+ amount we were charged by the Rental company when we submitted documents requested. Yes, we do pay $9...
by HIinvestor
Sat Feb 17, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 38
Views: 2805

Re: Cell phone service

So much depends on usage. We travel but mostly to large cities. We get poor coverage when we are in National parks, but we don’t go there to be on our phones anyway, so we are fine with that. Our S and D use lots of data, so we like the unlimited no throttle data we get from T-Mobile we are ok with ...
by HIinvestor
Fri Feb 16, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Signed up for American Express - "Premium" car rental insurance
Replies: 46
Views: 3314

Re: Signed up for American Express - "Premium" car rental insurance

We have Chase Sapphire Preferred with free CDW rental. We have made a claim because thieves broke rear hatchback window and got full refund of amount we paid, no fuss. That alone paid for several years of the $95/year annual fee.
by HIinvestor
Tue Feb 13, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant not doing taxes while you are there
Replies: 53
Views: 6164

Re: Accountant not doing taxes while you are there

Our CPAs all have us discuss our documents during our appointment with them and then call us up to pick up the documents and provide any checks and sign anything that needs a signature sometime in April before taxes (or extension) are due. I haven't had any of our preparers do our returns while we a...
by HIinvestor
Fri Feb 09, 2018 3:05 am
Forum: Personal Consumer Issues
Topic: Best Valentines Day Gift
Replies: 12
Views: 1826

Re: Best Valentines Day Gift

Time together
2nd best is sending a loved one yummy munchies they live and can’t buy where they live (sent them to each Uc my kids)
by HIinvestor
Thu Feb 08, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 287
Views: 19703

Re: free dinner investing seminar

H and I invited our neighbors to one of these presentations which was held at a nice hotel. If I recall it was a pitch from Ameriprise. None of us was interested or could really figure out exactly what was being sold. My neighbor won the drawing for a free AmEx gift card for $50 it $100. We never go...
by HIinvestor
Wed Feb 07, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: Niagara falls US side
Replies: 27
Views: 1710

Re: Niagara falls US side

A few years ago, we spent a week at Niagra Falls. Most of our time was spent on the Canadian side, which was safe and pretty. We stayed at a very reasonably-priced Hilton Garden Inn. We also spent some time at Niagra on the Lake, which is a short drive from the Canadian Niagra Falls. We all brought ...
by HIinvestor
Wed Feb 07, 2018 2:32 am
Forum: Personal Consumer Issues
Topic: Visiting SAN FRANCISCO
Replies: 31
Views: 2211

Re: Visiting SAN FRANCISCO

If you like Irish Coffee, Buena Vista near Fisherman’s Wharf and Ghiradelli’s Square is where it all started. I can never get enough of Muir Woods but have not tried the reservations system. Clement Street on the Avenues also has Chinese and Vietnamese food with street parking.
by HIinvestor
Tue Feb 06, 2018 4:21 am
Forum: Personal Consumer Issues
Topic: Vacation options for wide age-range of children?
Replies: 27
Views: 1731

Re: Vacation options for wide age-range of children?

Yellowstone is lovely but you have to hustle if you want reservations in the park. If you want to stay near the entrance in Gardiner, Absorka Lodge has a lot of rustic cabins and a store and restaurants. You can get picked up and have a private tour with your own private guide with Yellowstone Assoc...
by HIinvestor
Tue Feb 06, 2018 4:13 am
Forum: Personal Finance (Not Investing)
Topic: Considering solar on my home
Replies: 18
Views: 1621

Re: Considering solar on my home

We have about 9 panels on our roof. When we installed photovoltaic, we were told by the company we bought the system from that it would only be $500 to take off the panels and inverters and put them back on a new roof. Other areas and more panels may have different pricing.
by HIinvestor
Mon Feb 05, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: Washer/Dryer longevity ?
Replies: 69
Views: 6094

Re: Washer/Dryer longevity ?

So much depends on what's wrong. When our 20+ year old dryer abruptly stopped working, we called in the appliance repair guy and he said that honestly he thinks that my old Maytag washer and dryer (both purchased in 1988 or so) are better than anything currently on the market. He repaired it (replac...
by HIinvestor
Sun Feb 04, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Do you live on a budget?
Replies: 65
Views: 3646

Re: Do you live on a budget?

Actually have never had a budget. We did toy with it a few times but never got serious about it and never even stuck with quicken more than a month or few trying to log expenses and categorize. We live below our means and have more than we will likely spend in our lifetimes. When I was a student, FA...
by HIinvestor
Sun Feb 04, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: T-Mobile Coverage in Rural Areas
Replies: 31
Views: 1208

Re: T-Mobile Coverage in Rural Areas

We started with the $60 for 2 line plan shortly after it was announced and have been very pleased with it. When we are going to rural areas, you can download a map if you know you will be in areas with spotty cell coverage. We did that for Glacier National Park and other similar areas. Yes the $60 f...
by HIinvestor
Fri Feb 02, 2018 4:09 am
Forum: Personal Consumer Issues
Topic: Best Movies of 2017
Replies: 35
Views: 3037

Re: Best Movies of 2017

The Post was well done and we enjoyed it
Loved Wonder Woman
by HIinvestor
Wed Jan 31, 2018 11:37 pm
Forum: Personal Consumer Issues
Topic: How to ship two big tubs of butter internationally?
Replies: 43
Views: 3546

Re: How to ship two big tubs of butter internationally?

Fruit butters that I’ve had over the years are sold in glass jars at room temperature at nearly all stores. As long as the jar hasn’t been opened, I don’t see any need to refrigerate as the instructions say, “ refrigerate after opening. I’d pack well in bubble wrap and send at room temperature.
by HIinvestor
Wed Jan 31, 2018 11:28 pm
Forum: Personal Consumer Issues
Topic: Travel Insurance...Is it worth it?
Replies: 18
Views: 1784

Re: Travel Insurance...Is it worth it?

Agree—read the proposed policy carefully. What is covered, excluded, amounts, who decides, etc. Pre-existing conditions was an important issue for me and what is a reimbursable reason for cancelling? Also shop around to see whether another policy may better meet your needs and price point. I have mo...
by HIinvestor
Wed Jan 31, 2018 3:03 am
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 16652

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

Your W leaving her job and you having a new baby are qualifying events so you should be able to add both to YOUR health plan ASAP. Talk with your HR. Not having insurance can be a great way to blow a huge hole in your savings and budget--it's amazing how much any condition or hospitalization can cos...
by HIinvestor
Wed Jan 31, 2018 2:57 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone negotiated a medical bill to see a specialist?
Replies: 19
Views: 1601

Re: Has anyone negotiated a medical bill to see a specialist?

I'd warn OP that if you balk after seeing him over the bill, the specialist may not be willing to continue to follow your case and have additional consultations. Good specialists are priceless, IMHO. We try to keep the ones we find that help us optimize our health. Haggling over the fee is not condu...
by HIinvestor
Wed Jan 31, 2018 2:50 am
Forum: Personal Consumer Issues
Topic: Frequent Flier Miles 101
Replies: 53
Views: 4674

Re: Frequent Flier Miles 101

Personally, I like cashback. I also like bonus rewards signing bonuses when they are convenient. I have settled on the USAA 2.5% cashback plus H likes the United Explorer card (free checked suitcase) & free travel insurance and also the Chase Sapphire card for free travel insurance as well, plus the...
by HIinvestor
Tue Jan 30, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: "I Volunteered for the Hospital Board and was Sued for Millions."
Replies: 44
Views: 10528

Re: "I Volunteered for the Hospital Board and was Sued for Millions."

If your organization has insurance, be sure it is occurrence policy so it covers you if the event occurs during the time period of the policy. Other policies are really not worth much and only covers if the suit is brought during the term of the policy. These types of policies require you to buy a “...
by HIinvestor
Tue Jan 30, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone negotiated a medical bill to see a specialist?
Replies: 19
Views: 1601

Re: Has anyone negotiated a medical bill to see a specialist?

So much depends on how long you will be spending with the specialist and how long the specialist will spend reviewing your records and whether he/she will keep in touch after the consultation. I have seen a lot of specialists over the years. Most spend at least an hour with me at the appointment, pl...
by HIinvestor
Mon Jan 29, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: what do/did you do with your evenings with a Toddler in winters ?
Replies: 63
Views: 4126

Re: what do/did you do with your evenings with a Toddler in winters ?

Our aquarium is great—as a parent you can sit at one end of the exhibits while your kiddos explore the aisle and then return to you. Our kids also liked museums that had kid-interactive exhibits. I just got some mega-blocks from CVS that come with a wagon that scoops them up as you pull it for littl...
by HIinvestor
Mon Jan 29, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 206
Views: 15958

Re: Federal Retiree Health Care with/Medicare

We also view having Medicare A&B and FEHB as peace of mind. No one knows if and when the FEHB may be changed for retired federal employees and don’t want to get socked with big lifetime penalty for buying B later when there are any changes to FEHB retiree coverage and annuitant charge of premium. Al...
by HIinvestor
Mon Jan 29, 2018 1:12 am
Forum: Personal Finance (Not Investing)
Topic: Demonstrating creditworthiness
Replies: 11
Views: 841

Re: Demonstrating creditworthiness

We got a Home Equity Line of Credit (HELOC) because we were advised it was easier to do this while H was employed than when he retired. For some reason lenders preferred he had income rather than a guaranteed pension with COLA. In any case, we did that, but have never drawn on it nor been charged a ...
by HIinvestor
Sun Jan 28, 2018 10:16 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 8932

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

I got the battery on my 6s replaced today at the Apple store. Had an appointment. The ‘genius’ ran a few scans, had me pay $.99/mo for another 50GB memory on iCloud, back up my phone and then come back in 3 hours after they installed the battery. I figure I should be able to have my phone last anoth...
by HIinvestor
Sun Jan 28, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: How much have kids added to your personal finance/expenses?
Replies: 111
Views: 8535

Re: How much have kids added to your personal finance/expenses?

No one knows whether they OR their kids will have a chronic health condition and how that will also affect finances. That can easily throw a huge wrench in any plans you make, though of course planning and living below your means is good and will give you a cushion to weather what comes your way. IF...
by HIinvestor
Sat Jan 27, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: Survivor worries . . .
Replies: 14
Views: 2145

Re: Survivor worries . . .

My H is 15 years older than I am. I have been handling our finances for most of the decades of our marriage. I also call on folks and hire them when there is maintenance H doesn’t want to or is unable to do. I expect I will hire more contractors as we age and we and our neighbors plan to age in plac...
by HIinvestor
Sat Jan 27, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Renting out current home to rent elsewhere...thoughts?
Replies: 7
Views: 681

Re: Renting out current home to rent elsewhere...thoughts?

Also it may be good to get your equity out. The character of the neighborhood may change, your needs and desires and that of your spouse and child(ren) will likelyvalso change.

I’d seriously prefer selling and then renting or buying where you want to live.
by HIinvestor
Sat Jan 27, 2018 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: keep the TSP or transfer to Schwab?
Replies: 8
Views: 829

Re: keep the TSP or transfer to Schwab?

When TSP reveals their new rules and options in the near future, we can I’ll carefully consider them. For now, TSP is part of our big portfolio—the bond portion. It would be upsetting if our kids had to withdraw whatever TSP balance we have all in one lump sum after the 2nd to die (likely me). Hopef...
by HIinvestor
Sat Jan 27, 2018 5:50 pm
Forum: Investing - Theory, News & General
Topic: How do you know much retirement income is needed?
Replies: 53
Views: 3908

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

Really, you have to decide if you’re going to be doing the same things or more expensive things after retirement. We are traveling much more now than before. We have room in our budget for that. If you don’t, you will have to either not travel or find other areas to cut or figure out how to travel i...
by HIinvestor
Sat Jan 27, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: Renting out current home to rent elsewhere...thoughts?
Replies: 7
Views: 681

Re: Renting out current home to rent elsewhere...thoughts?

Actually the mortgage rate you get was probably for owner-occupied, which is a lower rate than investor loans because risks of default and foreclosure are lower. Some folks have had positive experiences renting, some have had negative and others have had mixed. If you do decide to rent it out, be su...