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Re: Neighbor is hoarder, piling garbage outside, collecting

I suspect that there might be some entity of the municipality or County or town that could be of assistance. it might be code enforcement, human services or some other person/department. In the local government where I live, there are building insprctor type folks who respond to neighbor complaints,...
by dm200
Mon Apr 20, 2015 10:05 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor is hoarder, piling garbage outside, collecting vans
Replies: 22
Views: 2498

Re: Social Security Windfall Elimination Provision

Does WEP applies to just foreign government pension? I read somewhere that there has been congressional action to not get the law to apply to tiny pension but nothing got passed. No, the WEP calculations apply for just about any wages/salary for which Social Security taxes are not withheld/paid. Th...
by dm200
Mon Apr 20, 2015 9:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Windfall Elimination Provision
Replies: 27
Views: 5315

Re: Trying to Help Parents - No EOI Life Insurance?

Open a bunch of bank and credit union accounts. Lots of them offer free $1K life insurance policies. As I posted above (and I am in this general type of business), ALL (that I have seen of heard of) such "free" $1K life insurance policies are "AD&D" (accidental death and dis...
by dm200
Mon Apr 20, 2015 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to Help Parents - No EOI Life Insurance?
Replies: 22
Views: 1496

Re: My job says I can't work for anyone else...

Speaking from the point of view of a patient of a Physician - employed full time by my HMO - I would want that Physician to be fully devoted/dedicated to that full time employment - and not be distracted or overburdened by "moonlighting". That being said, I would not mind if such "moo...
by dm200
Mon Apr 20, 2015 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 5924

Re: My job says I can't work for anyone else...

I think (again) that many/most responses are wandering far off the course of the original post. That post (as I read it) has NOTHING to do with being bound to a non-compete AFTER leaving an employer. It has all to do with other employment while being employed full time by that employer. It has been ...
by dm200
Sun Apr 19, 2015 5:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 5924

Re: mandatory 17% tip at a buffet

No firsthand experience on the restaurant end - but it is my understanding (as well as some experience with groups) that many times the TIPs from groups can be rather small, while the work involved in dealing with such groups is not less, but often more. Never been to Las Vegas, so I cannot comment ...
by dm200
Sun Apr 19, 2015 11:31 am
 
Forum: Personal Consumer Issues
Topic: mandatory 17% tip at a buffet
Replies: 32
Views: 3446

Re: Trying to Help Parents - No EOI Life Insurance?

As for increased life insurance, the credit unions often have a $1,000 or $3,000 free policy for all their members, assuming they fill out the paperwork. Probably not (read all of the 'fine print'). What a lot of credit unions (and many banks as well) DO offer is a $1,000 (could be more) FREE AD&am...
by dm200
Sun Apr 19, 2015 12:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Trying to Help Parents - No EOI Life Insurance?
Replies: 22
Views: 1496

Re: Trying to Help Parents - No EOI Life Insurance?

would your mom belong to any credit unions? my credit union gives 10K in death insurance I believe -- hoping to get you to buy more--if you have an account with it I seriously doubt it. Please check/verify any and all of the "fine print". Many years ago, a large percentage of credit union...
by dm200
Sat Apr 18, 2015 11:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to Help Parents - No EOI Life Insurance?
Replies: 22
Views: 1496

Re: My job says I can't work for anyone else...

Whatever the profession, a prohibition from employment/compensation from a competitor while employed is both very, very common and (IMO) 100% reasonable. Generally (as I understand) the issue of a "non-compete" applies after leaving one employer and not being able to be employed then by a ...
by dm200
Sat Apr 18, 2015 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 5924

Re: What Is The Worst Car You Have Ever Owned?

1973 Volvo 144E (4 speed manual transmission) NEVER ran right. Engine skipped on and off, and never ran completely smoothly for any significant period of time. Air conditioner unit fell off once. One or two (can't remember exactly) broken clutch cable. Stranded me is difficult/awkward times and situ...
by dm200
Sat Apr 18, 2015 1:00 pm
 
Forum: Personal Consumer Issues
Topic: What Is The Worst Car You Have Ever Owned?
Replies: 39
Views: 1718

Re: mandatory 17% tip at a buffet

In the past, I was a more frequent customer at "all you can eat" buffets - and the servers often seemed to do as much work as a server in a sit down restaurant for a basic meal. At many buffets, the server takes and delivers drink order/refills, takes away dishes (sometimes 2, 3 or 4 times...
by dm200
Sat Apr 18, 2015 12:55 pm
 
Forum: Personal Consumer Issues
Topic: mandatory 17% tip at a buffet
Replies: 32
Views: 3446

Re: Can existing employer require new credit report every ye

While it's true they are more likely to want to monitor credit if you are in a finance occupation or something else that involves regulatory oversight I don't see how a change in your credit situation could serve as a basis for anything job related. People in financial trouble are more likely to se...
by dm200
Sat Apr 18, 2015 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can existing employer require new credit report every year?
Replies: 37
Views: 3139

Re: Can existing employer require new credit report every ye

I believe it is reasonable for financial institutions to have such a requirement
by dm200
Fri Apr 17, 2015 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Can existing employer require new credit report every year?
Replies: 37
Views: 3139

Re: Can existing employer require new credit report every ye

An employment credit report does not affect credit score. It is not permissible to pull a consumer credit report for an employment purposes. So are you saying that an employment credit report is different from a consumer credit report? How? Yes, I believe there may be some differences - but cannot ...
by dm200
Thu Apr 16, 2015 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can existing employer require new credit report every year?
Replies: 37
Views: 3139

Re: Can existing employer require new credit report every ye

An employment credit report does not affect credit score. It is not permissible to pull a consumer credit report for an employment purposes.
by dm200
Thu Apr 16, 2015 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can existing employer require new credit report every year?
Replies: 37
Views: 3139

Re: Getting married-do I really need a will?

Driving is incredibly risky. I'm sure you still do it though since the alternative isn't very palatable.


I agree about the risks of driving, but I make 100% sure I carry the necessary and appropriate insurance coverage.
by dm200
Mon Apr 13, 2015 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting married-do I really need a will?
Replies: 26
Views: 2002

Re: Live in house free or buy it?

The person who was willed the house isn't putting any pressure for any action. She's happy leaving it as is . I was worried about what would happen if she passed and what would happen to the property - as were several of the responses. I strongly recommend NOT leaving the title/ownership in the nam...
by dm200
Mon Apr 13, 2015 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Live in house free or buy it?
Replies: 12
Views: 1237

Re: What state do you pay unemployment income states taxes t

If you earned unemployment income, what state do you pay taxes on that unemployment income to? a) The state that you were a resident of when earning the unemployment b) The state that actually provided you with the unemployment income That is, assuming of course, that state (a) is a different state...
by dm200
Mon Apr 13, 2015 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: What state do you pay unemployment income states taxes to?
Replies: 2
Views: 294

Re: Live in house free or buy it?

While it is difficult to know the future, I have heard of several "horror stories" where a house has been left in the name of deceased person(s) for years (many decades in one case) and ended up being either a disaster or a complicated/expensive mess to straighten out. What is not clear to...
by dm200
Sun Apr 12, 2015 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Live in house free or buy it?
Replies: 12
Views: 1237

Re: Planning Washington DC Sightseeing

While Udvar-Hazy (Air and Space at Dulles) is cool, keep in mind that it is really an annex of all the planes that are cool to see, but there wasn't room for on the mall. The smaller particularly historical stuff and the great exhibits are at the main Air and Space museum on the mall. You aren't sp...
by dm200
Sun Apr 12, 2015 10:38 am
 
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 2800

Re: Getting married-do I really need a will?

The estate planning attorney that did our most recent wills, etc. gives an actual case of why almost everyone needs a will. This is a case of a recently married couple - with no will. [I may have the husband and wife detail backwards]. Newly married couple. Neither has a will. Husband has significan...
by dm200
Sat Apr 11, 2015 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting married-do I really need a will?
Replies: 26
Views: 2002

Re: TurboTax states "New York has no income tax"?

livesoft wrote:I thought the New York taxpayers would like this from TurboTax. Apparently, New York does not have an income tax:
Image

I suggest that you don't believe TurboTax.


Sounds like "April Fool" ;)
by dm200
Fri Apr 10, 2015 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax states "New York has no income tax"?
Replies: 16
Views: 1374

Re: Planning Washington DC Sightseeing

The 2 Children are in range 4 years to 12 years. Plan: * Hotel: Near silver line station Wiehle-Reston East, 1862 Wiehle Avenue Reston VA 20190, hotwire.com, Pool, 3 star * Day 1: Drive to hotel * Day 2: ~ 7 miles, Drive, National Air and Space museum near Dulles airport * Day 3: ~ 2 miles, Hotel s...
by dm200
Fri Apr 10, 2015 3:18 pm
 
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 2800

Re: Accrued dividends: What happens when you sell?

Can someone please tell me what happens when you sell a bond fund in the middle of the month? Do I still get the accrued dividend or are those lost? Thanks! If you do not sell the entire balance, and if this is a fund that distributes dividends monthly - you will receive the accrued dividends as pa...
by dm200
Thu Apr 09, 2015 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Accrued dividends: What happens when you sell?
Replies: 8
Views: 1019

Re: Planning Washington DC Sightseeing

Hotel search: hotels.com $134 Sheraton Reston Hotel 11810 Sunrise Valley Dr Reston VA 20191 1.4 miles to Silver line station Wiehle-Reston East 7.1 miles to National Air and Space museum near Dulles airport That's a 40+ minute metro ride into the city, just so you know. That may or may not be an is...
by dm200
Thu Apr 09, 2015 3:47 pm
 
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 2800

Re: trading cars with parents

The details of the "best" way to do this vary (perhaps significantly) by state. Check with your state DMV about when (and how much) sales tax may be due under different scenarios. Often (but not always) transfers/gifts between close famiy members are not subject to sales tax. One scenario ...
by dm200
Tue Apr 07, 2015 12:18 pm
 
Forum: Personal Consumer Issues
Topic: trading cars with parents
Replies: 13
Views: 1333

Re: Credit Report Very Low For No Reason? Fixing it?

BTW is there any good way to get your FICO score without spending $50 on Experian? Maybe. Find a "friendly" credit union, that you are eligible to join. Join the credit union and, possibly, apply for a loan. No guarantees, but they might be willing to tell you your score - even if you do ...
by dm200
Tue Apr 07, 2015 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 60
Views: 3323

Re: Battery or Gas Lawn Mower

Is an electric mower (with a cord) not practical? We have a small yard, front and back, and when our last gas mower dies, we got an electric one (with a cord) - much better, overall.
by dm200
Tue Apr 07, 2015 12:03 pm
 
Forum: Personal Consumer Issues
Topic: Battery or Gas Lawn Mower
Replies: 33
Views: 2004

Re: VRBO rental gone awry- recourse for security deposit?

Just one more comment/question - With any such rental, wouldn't it (or shouldn't it) be normal and routine to check (or have someone check) the exact condition of the place and (to the degree necessary) prepare the place for the next renter? The place might be left in good condtion (all within the l...
by dm200
Tue Apr 07, 2015 11:57 am
 
Forum: Personal Consumer Issues
Topic: VRBO rental gone awry- recourse for security deposit?
Replies: 50
Views: 4991

Re: Buy a condo for college student or rent?

You are talking one bedroom unit, so presumably no roommates.


Not necessarily. ;)

... and THAT is what would concern me (as a parent).
by dm200
Mon Apr 06, 2015 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college student or rent?
Replies: 34
Views: 3015

Re: Family member asking for money

Wow, I wonder if there is a bogle head "scrooge" award "Bob Cratchit that's the third time you've asked for money for a new crutch for Tiny Tim!!! TELL that little welfare cheat to stop growing!!! In my extended family we have had 5 disabled handicapped children. The costs can be ove...
by dm200
Mon Apr 06, 2015 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 139
Views: 13090

Re: Buy a condo for college student or rent?

She doesn't want to live in dorm. One of the first questions I would ask is "Why not?" Then, BEFORE even getting into the buy or rent issue/question, evaluate the pros and cons (from your position as parent) whether not living in a dorm makes sense (primarily from an educational point of ...
by dm200
Mon Apr 06, 2015 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college student or rent?
Replies: 34
Views: 3015

Re: Family member asking for money

One possibility (just a wild stab/idea) is that (for one or more various reasons) the brother-in-law may not be utilizing or optimally using medical benefits (and related) that either are (or could be) used. Any of the possibilities posted here could be true (as well as some others) - and there are ...
by dm200
Mon Apr 06, 2015 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 139
Views: 13090

Re: VRBO rental gone awry- recourse for security deposit?

Very "interesting"! All this over a bag or two of trash! One "detail" I don't understand is how and when did the owners find out about this? Obviously, they did not drive all the way there just to check up on you and the trash? Or did they? Did they (or would they) drive all that...
by dm200
Sun Apr 05, 2015 6:51 pm
 
Forum: Personal Consumer Issues
Topic: VRBO rental gone awry- recourse for security deposit?
Replies: 50
Views: 4991

Re: Principal variations on a fixed rate HELOC?

Thank you dm200, this is very helpful and thoughtful. I guess my notion of the fixed interest came from when they said the rate was fixed, the principal was fixed, and term was fixed. I would pay $480.22 for 240 months. In the end, is there any advantage to paying this on the 15th of each month ins...
by dm200
Sun Apr 05, 2015 1:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Principal variations on a fixed rate HELOC?
Replies: 6
Views: 376

Re: Principal variations on a fixed rate HELOC?

It was explained to me as a fixed-rate loan (with fixed rate interest and fixed 20 year term). Apparently I was misinformed. No - your interest rate, apparently, is fixed for the term of the loan (as you explain it). Nothing you have posted indicates that you were "misinformed" (don't kno...
by dm200
Sun Apr 05, 2015 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Principal variations on a fixed rate HELOC?
Replies: 6
Views: 376

Re: Early Withdrawal from CD's

Although I believe almost all banks and credit unions will honor their Truth In Savings disclosures concerning the ability to redeem a CD (or certificate at a credit union) and the penalty for doing so, as well as whether an early withdrawal could eat into principal and whether accrued or unposted i...
by dm200
Fri Apr 03, 2015 8:20 pm
 
Forum: Investing - Theory, News & General
Topic: Early Withdrawal from CD's
Replies: 2
Views: 457

Re: Investing in the industry you work in

Good grief. Does he actually not know about the past history of Apple and Apple stock?


I tried to explain the risk, but he thinks he "knows" better. he told me, " __ - you just don't understand!". He, apparently, thinks "this time is different!".

We shall see.
by dm200
Fri Apr 03, 2015 3:56 pm
 
Forum: Investing - Theory, News & General
Topic: Investing in the industry you work in
Replies: 21
Views: 1749

Re: Debt consolidation--help with a colleague

Got an email from a teacher colleague about a debt consolidation company National Debt Relief. Apparently she cannot pay her minimums and is desperate for a way out. She came to me earlier in the year regarding taking out a home equity loan to help make her payments and don't know what she ended up...
by dm200
Thu Apr 02, 2015 9:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debt consolidation--help with a colleague
Replies: 4
Views: 518

Re: Investing in the industry you work in

I am acquaninted with a bright young man who is employed by Apple Computer - and he is convinced that he "knows" that Apple stock is a great value and will not "lose money". I suggested that he sell part of his holdings (so that he wins with the part he sells (if the stock tanks...
by dm200
Thu Apr 02, 2015 7:27 pm
 
Forum: Investing - Theory, News & General
Topic: Investing in the industry you work in
Replies: 21
Views: 1749

Re: Investing in the industry you work in

In my experience (extensive, but anecdotal and not scientifif) - almost everyone I have known over the years thinks they "know" the future of their industry better than the "average" investor. And ... they have almost always been wrong. For example, decades ago, IBM employees com...
by dm200
Thu Apr 02, 2015 2:05 pm
 
Forum: Investing - Theory, News & General
Topic: Investing in the industry you work in
Replies: 21
Views: 1749

Re: cash out refinance vs home equity loan for large purchas

What type of loan would be best for funding large purchases like cars or boats? How do originating fees compare between the two as well as interest rates? What about a 401k loan or any other loan? Auto loans (especially or new auto purchases, if you have decent credit) are among the lowest interest...
by dm200
Thu Apr 02, 2015 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: cash out refinance vs home equity loan for large purchases
Replies: 8
Views: 845

Re: Bamboo vs Engineered Hardwood floor?

A building where I spend some time over the years recently had the carpeting in several rooms replaced with bamboo (I believe it is called something like engineered bamboo). Supposedly it has many layers of coating so it is supposed to last many decades. It looks nice (about 6 months) - so it is to ...
by dm200
Wed Apr 01, 2015 9:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bamboo vs Engineered Hardwood floor?
Replies: 12
Views: 1520

Re: Montauk Credit Union High CD Rates

I just wonder how a credit union could be so small in the middle of NYC. I belong to one in St Louis with 150,000 members. The rate mine pays in not near as good as Montauk. Credit unions come in all sizes - from a few hundred members (perhaps serving a faith based community) to many millions of me...
by dm200
Wed Apr 01, 2015 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Montauk Credit Union High CD Rates
Replies: 16
Views: 1704

Re: Share Secured Loan - why ?

A person has either a bad credit history or no credit history. This is a way to build up that credit history. Second, a parent wants to lend money to their kid but they want to make sure that they are lending the money – not just giving it away. This is not a "rational" way of lending the...
by dm200
Tue Mar 31, 2015 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Share Secured Loan - why ?
Replies: 7
Views: 435

Re: Share Secured Loan - why ?

Our son - a grad student - is looking to buy a car where he is located. He is in the Credit Union at school, and has enough cash to buy an older used car he has found. The CU will make a car loan to him, if he needs it. One of the options they offer is something called - Share Secured Loan - http:/...
by dm200
Tue Mar 31, 2015 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Share Secured Loan - why ?
Replies: 7
Views: 435

Re: Fish from Costco?

and of course politics gets into it On what basis do you see "politics" in this salmon issue/discussion/debate? I see it as a health/nutrition (and related issues) matter. Just start digging. Food is one of the most political issues out there. Nutrition, health, medical issues are very in...
by dm200
Sun Mar 29, 2015 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Fish from Costco?
Replies: 44
Views: 5675

Re: Fish from Costco?

and of course politics gets into it


On what basis do you see "politics" in this salmon issue/discussion/debate? I see it as a health/nutrition (and related issues) matter.
by dm200
Sat Mar 28, 2015 9:53 pm
 
Forum: Personal Consumer Issues
Topic: Fish from Costco?
Replies: 44
Views: 5675

Re: Graduating Medical Student- Rent vs. Buy in Residency

I think QOL would be better for my spouse with buying, as we could have a nicer place than if we rented.


While this is certainly not the only, nor perhaps the most important, factor - I strongly suspect this can make YOUR QOL better as well.
by dm200
Thu Mar 26, 2015 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Graduating Medical Student- Rent vs. Buy in Residency
Replies: 45
Views: 3015
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