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Forum: Health and Early Retirement 01-13-2015, 11:26 AM
Replies: 46
Views: 2,229
Posted By youbet
I have an expensive, no deductible, no co-pay...

I have an expensive, no deductible, no co-pay Medicare Supplement plan. I think I could actually save money by going to a plan with lower premiums but with a deductible or co-pay. But my plan...
Forum: Health and Early Retirement 01-13-2015, 11:19 AM
Replies: 46
Views: 2,229
Posted By youbet
I like your system gauss. But, OP has the...

I like your system gauss. But, OP has the complication that he's not just trying to get a bill balance reduced to zero, he's trying to get a refund of money already paid. Doc's billing dept knows...
Forum: FIRE and Money 01-13-2015, 10:56 AM
Replies: 66
Views: 3,966
Posted By youbet
While I agree with the comments that PIPs...

While I agree with the comments that PIPs frequently result in termination, it would be worthwhile to know what kind of performance issues were stated on this PIP and what kind of remedies were...
Forum: Other topics 01-13-2015, 10:32 AM
Replies: 37
Views: 1,250
Posted By youbet
We give cash to Salvation Army (generously) and...

We give cash to Salvation Army (generously) and goods to Goodwill (as we have surplus "stuff").

In my research and regular dealings with both agencies, I find them doing a good job.
Forum: FIRE and Money 01-12-2015, 12:59 PM
Replies: 41
Views: 3,350
Posted By youbet
+1 And furthermore (setting married couple...

+1

And furthermore (setting married couple claiming strategies aside), you can't know how things will actually work out until the years have gone by because:

1. You don't know how long you'll...
Forum: FIRE and Money 01-12-2015, 11:50 AM
Replies: 38
Views: 3,187
Posted By youbet
As discussed in another thread, I've needed 100%+...

As discussed in another thread, I've needed 100%+ of my final take home pay in retirement and it makes sense. Been doing it for almost 9 years. It all depends on individual circumstances.
Forum: Health and Early Retirement 01-12-2015, 09:55 AM
Replies: 123
Views: 4,320
Posted By youbet
You might be missing my point a bit....... ...

You might be missing my point a bit.......

Today's LTC policies don't generally carry long periods of coverage or high payout limits. $300k is typical. And that policy probably costs you $100k...
Forum: FIRE and Money 01-12-2015, 09:26 AM
Replies: 21
Views: 1,146
Posted By youbet
No, don't think so. As mentioned by others...

No, don't think so. As mentioned by others above, they could have given you a card with the new technology but retaining your account number if all they wanted to do was give you a chip and sig card.
Forum: FIRE and Money 01-11-2015, 02:14 AM
Replies: 40
Views: 1,734
Posted By youbet
This thread made me think about who I do tip if...

This thread made me think about who I do tip if the service justifies.


1. Barber (owner of one man shop)
2. Restaurant server
3. Bartender
4. Fishing guide
5. Mail person at Xmas
6. ...
Forum: Health and Early Retirement 01-11-2015, 01:35 AM
Replies: 123
Views: 4,320
Posted By youbet
Makes sense to me Rich. We're following a...

Makes sense to me Rich. We're following a similar path.


As we've both noted, these are personal decisions based on personal circumstances. Often when making the LTCI decision, folks will have...
Forum: Health and Early Retirement 01-11-2015, 01:00 AM
Replies: 123
Views: 4,320
Posted By youbet
Buying LTC is water under the bridge for DW and...

Buying LTC is water under the bridge for DW and I. We're in our late 60's, have some minor medical issues and would not likely qualify for LTC at premiums we'd be willing to pay.


In retrospect,...
Forum: FIRE and Money 01-07-2015, 03:26 PM
Replies: 224
Views: 13,043
Posted By youbet
+1 When I called my Schwab rep to[-]...

+1

When I called my Schwab rep to[-] bitch[/-] get indignant about Vanguard giving away TT while Schwab was doing nothing for me, she immediately offered to reimburse me for whatever I paid for...
Forum: FIRE and Money 01-03-2015, 01:17 PM
Replies: 89
Views: 6,355
Posted By youbet
Yes. And other activities around the house...

Yes.

And other activities around the house for which no compensation is received can increase life's pleasures and/or reduce expenses. Being handy at maintaining the cars, repairing and modifying...
Forum: FIRE and Money 01-03-2015, 01:03 PM
Replies: 89
Views: 6,355
Posted By youbet
+1 My wife is a quilter. I know little...

+1

My wife is a quilter. I know little about it, but based on conversations I overhear, she's apparently an expert. She loves to do it.

Our own home is already overrun with her work, so she...
Forum: FIRE and Money 12-25-2014, 09:41 AM
Replies: 145
Views: 13,326
Posted By youbet
At 67, still haven't made it. Fortunately, DW is...

At 67, still haven't made it. Fortunately, DW is doing a bit better, FIRE'd since age 55.
Forum: Other topics 12-24-2014, 10:17 PM
Replies: 51
Views: 1,093
Posted By youbet
Comments like that will get you coal in your...

Comments like that will get you coal in your stocking.
Forum: Other topics 12-24-2014, 10:01 PM
Replies: 111
Views: 4,249
Posted By youbet
45 years in April. Met at 15, steadies ar 16,...

45 years in April. Met at 15, steadies ar 16, married at 21 after 4 years apart at different colleges. Went to the highschool that the musical and movie "Grease" was modeled after. Having a steady...
Forum: Other topics 12-22-2014, 08:34 AM
Replies: 1,209
Views: 27,295
Posted By youbet
Coach Caldwell said they were practicing for...

Coach Caldwell said they were practicing for Rogers.
Forum: Other topics 12-22-2014, 08:31 AM
Replies: 1,209
Views: 27,295
Posted By youbet
Not without a few dirty plays first.

Not without a few dirty plays first.
Forum: Life after FIRE 12-21-2014, 09:18 PM
Replies: 58
Views: 3,302
Posted By youbet
This is how it works in Illinois and how it...

This is how it works in Illinois and how it worked for me. Getting a severance was OK but you do have to be actively looking for work and keep records to prove it.
Forum: FIRE and Money 12-20-2014, 06:04 PM
Replies: 40
Views: 2,164
Posted By youbet
I've also been running an approximate 50/50...

I've also been running an approximate 50/50 split, in my case since 2006. It's working the same way for me as for you. We kept our spending level constant right through 2008-2009 and it has worked...
Forum: Other topics 12-20-2014, 05:50 PM
Replies: 28
Views: 1,008
Posted By youbet
I use that on the poly bubble windows on my...

I use that on the poly bubble windows on my camper and like it.

There are also some waxes that contain a color pigment and enough "body" to somewhat fill a scratch. It isn't permanent, of...
Forum: Other topics 12-20-2014, 05:35 PM
Replies: 28
Views: 1,008
Posted By youbet
IMHO: (1) If you stumble across a stranger...

IMHO:

(1) If you stumble across a stranger vandalizing your car, stay away, out of sight if possible. Try to note anything that would help you identify him/her later. Important: don't get knifed...
Forum: FIRE and Money 12-20-2014, 05:26 PM
Replies: 27
Views: 2,209
Posted By youbet
You understand!

You understand!
Forum: FIRE and Money 12-20-2014, 05:21 PM
Replies: 27
Views: 2,209
Posted By youbet
Yes, my actual results after 9 years of FIRE fall...

Yes, my actual results after 9 years of FIRE fall within the extremely broad range of FireCalc's historical testing results.

I recall at the beginning noting that FireCalc's output data and...
Showing results 1 to 25 of 7661

 
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