Search found 1333 matches

by HIinvestor
Wed Dec 27, 2017 4:11 am
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 40
Views: 6897

Re: This is Unbelievable - another Vanguard customer support odyssey

:annoyed I’d be pretty concerned if I had as much trouble completing what sound like fairly simple transactions. I have had very few issues getting Schwab and and Fidelity to complete my transactions as desired. I like that Schwab still has a bricks & mortar branch in my city. Good luck—hope you are...
by HIinvestor
Tue Dec 26, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Deduction Question
Replies: 21
Views: 1747

Re: Charitable Deduction Question

Most charities are happy to send a letter indicating you donated $$$$$ in whichever year you’d like them to credit you for. They can send you the letter in Habuary, Thanksgiving ng you for the $$$ donation in 2017.
by HIinvestor
Mon Dec 25, 2017 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRAs - Can they pull a switch-a-roo?
Replies: 34
Views: 3217

Re: Roth IRAs - Can they pull a switch-a-roo?

Sure, rules can be changed but one can only plan the best she can with the rules as they are when plans are made. For right now, Roth IRAs are excellent for many folks but not as good for some others.
by HIinvestor
Sat Dec 23, 2017 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for month of the year to retire
Replies: 33
Views: 2512

Re: Strategy for month of the year to retire

H retired 12/31. It was when his retirement hit its max. It also was when we finished paying our mortgage and most of the kids’ college tuition and expenses. He then worked an extra 6 months to help with transition and was paid pension and salary. It worked out well for us.
by HIinvestor
Sat Dec 23, 2017 8:12 pm
Forum: Investing - Theory, News & General
Topic: Early retirement pros and cons:
Replies: 58
Views: 6724

Re: Early retirement pros and cons:

We have been FI for some years now. H officially retired in 2012 and then went back to work for another 6 months. He’s happily fully retired now and mostly loved his job. I’m running a nonprofit I started and have been doing so since 2007. It’s partly a job, partly a hobby. We have great medical cov...
by HIinvestor
Sat Dec 23, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Medicare Medical Insurance
Replies: 21
Views: 1323

Re: Medicare Medical Insurance

Here’s the link for how Medicare B premiums are assessed for 2017:

https://www.medicare.gov/your-medicare- ... costs.html
by HIinvestor
Thu Dec 21, 2017 4:24 am
Forum: Personal Finance (Not Investing)
Topic: A meal with friends yields a financial revelation
Replies: 95
Views: 11734

Re: A meal with friends yields a financial revelation

I realize that when money was tighter and we were barely treading water paying our mortgage and college tuitions and expenses, I was much more concerned about all expenses and income. Once those were paid off, the financial load has greatly lifted, even more once S got a secure job with good benefit...
by HIinvestor
Wed Dec 20, 2017 10:04 pm
Forum: Personal Consumer Issues
Topic: Toys R Us online order warning
Replies: 21
Views: 1970

Re: Toys R Us online order warning

If you used a CCard, you can dispute the charge to the extent you paid for the expedited shipping, explaining the situation and should get that refunded.
by HIinvestor
Wed Dec 20, 2017 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Availability of health care providers - how to factor this in a move?
Replies: 77
Views: 4030

Re: Availability of health care providers - how to factor this in a move?

We plan to retire in our very HCOL area, which is where we’ve lived nearly all our lives and our friends and family live here too. Yes, I wish we had better transit options but Uber and Lyft and taxis are abundant here and we do have a bus system. I agree that good access to high quality medical car...
by HIinvestor
Wed Dec 20, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Planning - 11 days to donate "stuff" from garage/basement
Replies: 27
Views: 2031

Re: Tax Planning - 11 days to donate "stuff" from garage/basement

I agree that I detailed loads of clothing are likely $1/clothing piece of similar. IRS will probably argue if you claim any significant sum without photos, documentation, etc.
by HIinvestor
Wed Dec 20, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Planning - 11 days to donate "stuff" from garage/basement
Replies: 27
Views: 2031

Re: Tax Planning - 11 days to donate "stuff" from garage/basement

Depends on what you’re donating. The year we were donating TV, computers, rocking chair, futon, formal gowns, I looked up prices of comparable items on eBay, Craigslist and printed it and deducted those amounts. For cars and similar, you need a receipt from charity you donated it to for FMV (general...
by HIinvestor
Tue Dec 19, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Hotel $50-500/night Expectations
Replies: 44
Views: 3009

Re: Hotel $50-500/night Expectations

Yes, location, location, location affects what you can get and the pricing. If you’re not too picky, you can take your chances in a lot if cities and end up with some nice surprises in lodging on Hotwire or Priceline. We got a 3 night stay at a very nice suite hotel near Pamona for relatives graduat...
by HIinvestor
Tue Dec 19, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Availability of health care providers - how to factor this in a move?
Replies: 77
Views: 4030

Re: Availability of health care providers - how to factor this in a move?

We live in Honolulu which has a population of over 1million but I and D still get care out of state because while we do have some very good specialty providers they don’t have the same volume and experience as National centers like National Jewish, STANFORD and UCSF. We are willing and able to trave...
by HIinvestor
Mon Dec 18, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: US National Parks
Replies: 36
Views: 3079

Re: US National Parks

We have been to most of the national parks you mention. We have spent only one or two nights at each (lodging inside each park), and found that for US being constantly on the move was very tiring. Some folks like that quick pace but we found we felt we were mostly seeing the inside of our rental car...
by HIinvestor
Mon Dec 18, 2017 4:38 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing childhood home from my parents (for us to live in)
Replies: 18
Views: 2455

Re: Purchasing childhood home from my parents (for us to live in)

My H also has a decades-long connection with the family home he grew up in. He really has a huge problem when he needs to have ANY changes made to the home. He wants the original paint color to always be used, he also wants to replace things with as similar things as possible. I agree that it can be...
by HIinvestor
Sun Dec 17, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Assistance to Adult Child (health insurance)
Replies: 107
Views: 5814

Re: Financial Assistance to Adult Child (health insurance)

I think gifting your child with medical insurance is a wonderful and kind act. I’m sorry she has debt and hasn’t been able to figure out how to live below her income. There are many in similar circumstances but that isn’t very helpful. We have always made medical insurance a priority for ourselves a...
by HIinvestor
Sun Dec 17, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: What are the negatives of inheriting a Roth IRA - if any? (Non Spousal)
Replies: 11
Views: 1145

Re: What are the negatives of inheriting a Roth IRA - if any? (Non Spousal)

Agree that if you’re at a high tax bracket, you and your CPA may want to run the calculations to determine whether or not converting tIRA to Roth makes fiscal sense. For sone folks and situations it does—for others it really doesn’t. It doesn’t fit us.
by HIinvestor
Sat Dec 16, 2017 4:19 am
Forum: Personal Consumer Issues
Topic: Best place to get a Suit
Replies: 21
Views: 1690

Re: Best place to get a Suit

Agree with the others—depends on what you’re looking for. Our S doesn’t fit sizes of suits available and had his custom made. It looks great but you have to have a good tailor and know what you want. For folks that can fit “off the rack,” have heard good things about all of the stores mentioned abov...
by HIinvestor
Thu Dec 14, 2017 4:21 am
Forum: Personal Consumer Issues
Topic: Downsizing - How much to invest in a house before selling?
Replies: 41
Views: 4765

Re: Downsizing - How much to invest in a house before selling?

The two houses on our street that most recently sold were both torn down! They were purchased for over $850,000 and the structures were completely removed, along with the trees and most of the vegetation! Both had habitable (though dated) homes. One if them is having a new home built on it but a guy...
by HIinvestor
Thu Dec 14, 2017 3:46 am
Forum: Personal Finance (Not Investing)
Topic: State Farm Insurance, Time to Leave
Replies: 63
Views: 6385

Re: State Farm Insurance, Time to Leave

We have an independent insurance agent. She helps us select policies and companies on premiums AND how well they treat their policyholders if a claim has to be made. We are mostly insured by our small local insurer who offers much better rates and service than we have had with the national companies...
by HIinvestor
Tue Dec 12, 2017 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB and Medicare
Replies: 8
Views: 779

Re: FEHB and Medicare

My H has FEHB BCBS high family plan as well as Medicare A & B. The medical insurance plan is secondary for him but primary for me and our dependent D. We are happy having both and he has no copay for most things except dental, vision and Rx. We plan to keep both for the foreseeable future. When I qu...
by HIinvestor
Tue Dec 12, 2017 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall advise for my parents
Replies: 16
Views: 1679

Re: Windfall advise for my parents

I agree with the others. Since your folks don’t need much in the way of income from the windfall, conservative investments like CD ladder, high interest savings/checking and tax exempt bonds are options that should allow them to sleep well at night.
by HIinvestor
Mon Dec 11, 2017 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Gift Card From Employer
Replies: 13
Views: 1418

Re: Gift Card From Employer

If the employer files a form with the IRS reporting it as income, yes, this is indeed income that needs to have appropriate taxes paid. Since apparently do many cards were given, likely the tax forms will be sent to IRS.

If employer doesn’t file the forms with IRS, employees can claim it was “gift.”
by HIinvestor
Mon Dec 11, 2017 4:30 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 181
Views: 14658

Re: Save all this money, what do you splurge on?

It's not a contest, it's really what folks WANT and are comfortable with spending on things they value. Just because someone spends on luxury cars, others spend on expensive educations for their kids, underwear, or whatever, it's fine as long as it works for that person/family. Some folks are more c...
by HIinvestor
Sun Dec 10, 2017 5:36 am
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 181
Views: 14658

Re: Save all this money, what do you splurge on?

We had both kids graduate from the college of their choice debt free. We enjoy travel as well as dining out as often as we prefer. We are happy with economy plus so far. We did have a sleeper car on AmTrak and heartily recommend. H and I take as many vacations as we prefer for as long as we are inte...
by HIinvestor
Thu Dec 07, 2017 5:05 am
Forum: Investing - Help with Personal Investments
Topic: End of life care: urgent.
Replies: 9
Views: 1991

Re: End of life care: urgent.

You’re correct that the guardianship of the grandchildren is the most important issue. She needs to find out what steps need to occur for them to be placed with the successor guardian—-preferably someone the kids know to minimize the disruption in their lives. Also, has she considered getting a 2nd ...
by HIinvestor
Thu Dec 07, 2017 4:15 am
Forum: Investing - Help with Personal Investments
Topic: End of life care: urgent.
Replies: 9
Views: 1991

Re: End of life care: urgent.

Actually assets are pretty important. If there are no or few assets, there will be nothing to put in the trust or pay the expenses of the trust.

Finding a guardian for the kids who will raise them seems the most pressing and important.
by HIinvestor
Wed Dec 06, 2017 7:03 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 242
Views: 15616

Re: Do people still use AAA?

When I’ve had service calls from AAA, they generally have AAA logo on their vehicle and uniform/shirt. Sometimes they are contracted with AAA. I’ve generally had good to excellent service.
by HIinvestor
Wed Dec 06, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Friend buys a lot of stuff because he want's to reduce his tax liability. Is this thinking flawed?
Replies: 47
Views: 4212

Re: Friend buys a lot of stuff because he want's to reduce his tax liability. Is this thinking flawed?

Yes, your friend’s thinking is very flawed. He’s paying all kinds of interested on the 2nd mortgage and his CCards for the very high interest rates. Paying taxes because one has income seems preferable to paying exhorbitant interest rates to CCard companies.
by HIinvestor
Wed Dec 06, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 242
Views: 15616

Re: Do people still use AAA?

We have AAA for ourselves and our adult kids. D has used it to tow her car, which is why we pay for it. We have used it to restart our car and my folk’s car several times over the years. We also get hotel discounts from them but not so much discounts on attractions. They are said to pay their tow dr...
by HIinvestor
Sun Dec 03, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: Any websites to help find a great doctor?
Replies: 36
Views: 2591

Re: Any websites to help find a great doctor?

I have been in a quandary for several years because my internist is aging (68) and I want someone who will be with me for some years AND work well with my lung doc. (My allergist just retired after referring me to the lung doc, due to her personal medical issues.) Fortunately, I was able to ask my l...
by HIinvestor
Sun Dec 03, 2017 4:36 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10846

Re: Price of haircut?

H and I get haircuts for $20 apiece including tip. Hairdresser comes to our house and does a good job. She will cut our D and S’s hair for same price when they’re interested and available. We get cues every 6-12 weeks and live in suburbs in VHCOL Honolulu.
by HIinvestor
Sun Dec 03, 2017 4:30 am
Forum: Personal Consumer Issues
Topic: Philanthropy and related issues
Replies: 50
Views: 3526

Re: Philanthropy and related issues

I give a lot of time and financial support to the local nonprofit I founded and related national nonprofits as well as some to public health organizations.
by HIinvestor
Sat Dec 02, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Any retired boglehead doctors out there?
Replies: 78
Views: 9803

Re: Any retired boglehead doctors out there?

One of my allergists and my dermatologist works P/T. I know a few P/T internists and some that fill in for other MDs when they go in vacation.
by HIinvestor
Fri Dec 01, 2017 4:16 am
Forum: Personal Consumer Issues
Topic: Does it make sense to drop health insurance?
Replies: 198
Views: 7648

Re: Does it make sense to drop health insurance?

I have not read any guarantees that health insurance won’t go back to NOT covering ire-existing conditions, particularly if there is any gap or lapse in coverage. The idea of discontinuing insurance seems to assume that during the next open enrollment anyone can just apply for and get full medical i...
by HIinvestor
Thu Nov 30, 2017 2:51 am
Forum: Personal Finance (Not Investing)
Topic: Any retired boglehead doctors out there?
Replies: 78
Views: 9803

Re: Any retired boglehead doctors out there?

One if my in-laws chose her specialty (derm) on the ability to go part time. She’s worked part time most of her career, MWF and starts early and ends early (7-2 most days). She enjoys work but loves her time off as well and has a nice work-life balance.
by HIinvestor
Thu Nov 30, 2017 1:27 am
Forum: Personal Consumer Issues
Topic: Does it make sense to drop health insurance?
Replies: 198
Views: 7648

Re: Does it make sense to drop health insurance?

To me, the worst case is by deciding to go without insurance for xx days/months/years, you and your loved ones incur huge health costs, are unable to get good care with permanent bad health consequences, and become unable to get insurance at any price due to pre-existing conditions you all develop.
by HIinvestor
Wed Nov 29, 2017 11:36 pm
Forum: Personal Consumer Issues
Topic: Problems with Medical Alert
Replies: 8
Views: 577

Re: Problems with Medical Alert

I would contest the $150 charge with the CCard Company and complain to both consumer protection and better business bureau. Sounds sleazy to me!
by HIinvestor
Wed Nov 29, 2017 12:27 am
Forum: Personal Finance (Not Investing)
Topic: FIRE [financial independence/retire early]
Replies: 140
Views: 13971

Re: FIRE [financial independence/retire early]

The thing is folks can’t always return to employment st the same or comparable salary as when they left. For example, I was an associate at a law firm and paid pretty well and then took a break for some years to raise our kids. Breaking back into the workforce was challenging and initially did not p...
by HIinvestor
Tue Nov 28, 2017 10:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 307
Views: 42968

Re: Roll Call for the Retirement Class of 2017!

H gave notice he was retiring months ahead of time, since he was concerned about training replacements. His supervisor begged him to return for 6 months with pension, benefits and salary. He opted to do so and had no regrets but told them at the end of the 6 months he was REALLY done. The extra 6 mo...
by HIinvestor
Tue Nov 28, 2017 3:33 am
Forum: Investing - Theory, News & General
Topic: Charles Schwab Experiences?
Replies: 89
Views: 12067

Re: Charles Schwab Experiences?

We have had Schwab accounts for over a decade. Have had no problems. I like that they have bricks and mortar offices, including in HI.
by HIinvestor
Tue Nov 28, 2017 2:00 am
Forum: Personal Finance (Not Investing)
Topic: Dental bill four years after service
Replies: 32
Views: 3754

Re: Dental bill four years after service

We get statements from insurer showing what they paid and what our share is. We get some minimal dental coverage from our medical insurance. My understanding is that generally claims must be submitted to insurer in a timely manner (6-12 months from date of service) or they may be denied as stale. I ...
by HIinvestor
Mon Nov 27, 2017 4:49 am
Forum: Personal Finance (Not Investing)
Topic: Anyone bail early and regret it?
Replies: 12
Views: 2889

Re: Anyone bail early and regret it?

Agree that we can only plan our best and deal with changes as the occur. We planned as best we could and then after many decades, the federal government FINALLY passed legislation improving H’s retirement IF he worked x additional years but would worsen it if H worked beyond that. That helped us cho...
by HIinvestor
Mon Nov 27, 2017 4:32 am
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 46
Views: 4217

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

Sunscreen of 50 or higher is strongly advised, as is avoiding being in the sun between 10-4 (per dermatologist). If you do want to be out in Sun, consider wearing Sun protective clothing—rash guards when in the water (about $20 at WalMart, Sam’s and Costco). Nylon Sun protective clothes thing is als...
by HIinvestor
Sun Nov 26, 2017 7:59 pm
Forum: Personal Consumer Issues
Topic: Women's socks for hot feet
Replies: 12
Views: 804

Re: Women's socks for hot feet

Ive only been using Thorlo socks for many years now. They are moisture-wicking and have built-in padding and arch supports. I like them. S prefers Uniqlo socks which are synthetic as well and thinner.
by HIinvestor
Sun Nov 26, 2017 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: How much to REALLY save for college (529s)
Replies: 13
Views: 1010

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

If you don’t want to commit too much to a 529, you can save some in taxable and elsewhere. Your child/you will just have more options on Us if more funds have been saved, for undergrad and potential grad/pro schools. Both our kids ended up at private U. S got nice merit aid covering > 1/2 his tuitio...
by HIinvestor
Sat Nov 25, 2017 6:43 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 247
Views: 35192

Re: Roll Call for the Retirement Class of 2016!

H retired in 12/2012 and then was hired to work for an additional 6 months. Honestly I’m not sure when I “retired” or if I have. I started a nonprofit I love in 2007 and have been running it full time and now part time ever since. I am also engaged in public health organizations related to my nonpro...
by HIinvestor
Sat Nov 25, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: going out to dinner with friends and how to split the bill
Replies: 86
Views: 5445

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

Separate checks seems easy and most wait help are fine with it as long as they know at the outset so there are no surprises.
by HIinvestor
Sat Nov 25, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Any retired boglehead doctors out there?
Replies: 78
Views: 9803

Re: Any retired boglehead doctors out there?

It is very frustrating for patients AND caregivers in the current environment, where the pace of medicine seems very hurried/rushed for everyone. I know I have caught some errors that I attribute to my providers being too rushed and having my case blended with so many other patients. I feel that as ...
by HIinvestor
Sat Nov 25, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: The fallacy of spending money on "experiences" vs hard assets
Replies: 336
Views: 18338

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

I have to say I enjoy both--quality hard assets as well as enjoyable experiences, even if they cost money. Travel and dining for us are part of the experiences, often with extended family and loved ones. Also, getting together often involves travel as S is in DC, D is in CA and we are in HI. I'm hap...