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Re: Safe investment for 1 year

As far as I know, there are no truly "safe" investments (ones with no possibility of loss) for one year - except for NCUA or FDIC insured savings accounts, CDs (or certificates), or an individual federal government bond (maturing in one year). Vanguard brokered CDs are now paying about 0.6...
by dm200
Wed Mar 04, 2015 10:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Safe investment for 1 year
Replies: 13
Views: 1052

Re: Helping a Parent by Becoming a Landlord

A few considerations (that may or may not be relevant to your situation): 1. Is the current home desirable for her living (and other) situation? If so, suggest looking for ways to stay there. 2. Some jurisdictions (mine does, and I get a big benefit) have real estate tax deferral or exemption for th...
by dm200
Tue Mar 03, 2015 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Helping a Parent by Becoming a Landlord
Replies: 10
Views: 758

Re: What are Costco's best deals?

Wow, I am impressed with small households who find they can use the Costco items effectively. The only individually packaged foods I saw there were snack bars and the like (don't eat those) and individually frozen fish filets and similar (which might work if I had the freezer room and didn't care t...
by dm200
Tue Mar 03, 2015 10:06 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 177
Views: 13509

Re: What are Costco's best deals?

I save money by NOT going to Costco, since I avoid the waste and unnecessary super-sizing that goes on at Costco for my small family. A lot of folks who swear by Costco prices and don't run huge households ignore this reality - just because you pay 10% less for a retail item at Costco, doesn't mean...
by dm200
Tue Mar 03, 2015 6:58 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 177
Views: 13509

Re: Buying a used motorcycle, borrow to avoid scam

You are wise to be very cautious. And as others have said, I believe you will be the one left without, if you are relying on the bank to protect your interests. I haven't read all of the posts, but I will share a few quick thoughts to consider (though probably overkill): -If he gives you his addres...
by dm200
Sun Mar 01, 2015 10:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a used motorcycle, borrow to avoid scam
Replies: 22
Views: 1011

Re: Buying a used motorcycle, borrow to avoid scam

I am about to buy a used motorcycle from a private party.To avoid all the horror stories I read about scams (and possible mugging if I have to show up with wads of cash…), I plan to finance it 100% even tough I have the funds available, make an appointment to close at a bank branch where a banker n...
by dm200
Sun Mar 01, 2015 8:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a used motorcycle, borrow to avoid scam
Replies: 22
Views: 1011

Re: Favorite Vacation/Trip

Two other nice vacations we took were cruises to Bermuda. I liked being "at sea" for 2+ days both going and returning. There were about 2+ days in Bermuda. Others may like cruises that stop in many different places, often every day - but that kind of cruise does not appeal to me.
by dm200
Sun Mar 01, 2015 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 40
Views: 4057

Re: Strange Billing Practice by Medical Provider

Sorry for any confusion, it was not directed at you


ok. :happy
by dm200
Sun Mar 01, 2015 12:50 am
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 59
Views: 5132

Re: Favorite Vacation/Trip

Several California trips - both in the fall: A number of years ago, when our son was little (about 5-8 or so), I had several business trips to California (we live on the East Coast) - so my airfare was paid for. Fares for my wife and son were a real bargain, so we took one week trips there on two se...
by dm200
Sat Feb 28, 2015 1:49 am
 
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 40
Views: 4057

Re: Strange Billing Practice by Medical Provider

As a patient/consumer of health/medical providers, though, I strongly believe that BOTH patients/consumers AND providers MUST comply with Insurance company contracts and agreements. Apparently, some people don't, and they are rather unrepentant about it. Please specify which portion of which contra...
by dm200
Sat Feb 28, 2015 12:05 am
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 59
Views: 5132

Re: I survived my initial performance improvement mtg. Now w

In 20 years of leading a large number of people, I have never seen a PIP end in anything other than the employee gone from the company. It is an admin CYA process only. Time to move on. As stated in my post, I must have been an exception. In that case, perhaps my "good fortune", was that ...
by dm200
Fri Feb 27, 2015 11:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: I survived my initial performance improvement mtg. Now what?
Replies: 33
Views: 4339

Re: Direct deposit question

Till recently any bank ACH was being counted as DD. Could you elaborate on what you, apparently, see as a difference/distinction between an ACH and "Direct deposit"? To me, at least as I see it, an ACH credit to a bank or credit union account is a "Direct deposit". [unless perha...
by dm200
Fri Feb 27, 2015 7:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Direct deposit question
Replies: 11
Views: 1012

Re: I survived my initial performance improvement mtg. Now w

Without getting into details, over the years at two previous employers, I was faced with this type of "challenge". I did not get through one, but did emerge from another [only later to be caught in a overall company 15-20% employee downsizing]. It was (and still is) my belief that in both ...
by dm200
Fri Feb 27, 2015 7:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: I survived my initial performance improvement mtg. Now what?
Replies: 33
Views: 4339

Re: What are Costco's best deals?

I just ate one of the salmon burgers that someone recommended here. Not bad at all! Now time to pass out reading Bogleheads... I bought some salmon burgers a few weeks ago, and I cant stand them. Not sure if they were the same, but they were in the freezer section. Not sure if I will ever be able t...
by dm200
Fri Feb 27, 2015 7:19 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 177
Views: 13509

Re: Strange Billing Practice by Medical Provider

Somebody earlier in the thread said they like to hear the suppliers views to make an informed decision. Consider the following : Circa 2000. Doctors bill = $100. Insurance responsibility = $95 Patient responsibility = $5. Doctor's profit margin if everybody paid in full = 10%. If insurance paid all...
by dm200
Fri Feb 27, 2015 7:13 pm
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 59
Views: 5132

Re: Strange Billing Practice by Medical Provider

All of this makes me very glad that my wife and I are now back to an HMO where almost all Physicians, services, etc. are delivered by dedicated providers in the HMO facilities, or in facilities where the HMO has close and direct relationships. When my Primary Care Physician refers me to a specialist...
by dm200
Thu Feb 26, 2015 10:55 pm
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 59
Views: 5132

Re: What are Costco's best deals?

I have not purchased any of them - but if you dine at certain restaurants, Costco has "gift cards" at some of these at a discount from the actual value at the restaurant. The one that caught my eye was McCormick & Schmick - and I could not see any catch or trick.
by dm200
Thu Feb 26, 2015 10:41 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 177
Views: 13509

Re: What are Costco's best deals?

I just ate one of the salmon burgers that someone recommended here. Not bad at all! Now time to pass out reading Bogleheads... The Wlld Alaska Salmon Burgers (from what I can tell) are almost all fish (and not breading or fillers). One time, I noticed a different brand of Salmon Burgers, but a few ...
by dm200
Thu Feb 26, 2015 10:39 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 177
Views: 13509

Re: What are Costco's best deals?

What I get a COSTCO are: 6. [Sometimes} tuna fish (Chicken of the Sea Chunk light] I suggest trying the Kirkland Signature Brand of albacore tuna. It is more expensive, but much better. Jeff I think this Kirkland brand may be new. I saw it (and that it was more expensive) on my last trip. Or, perha...
by dm200
Thu Feb 26, 2015 10:36 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 177
Views: 13509

Re: What are Costco's best deals?

Bustoff wrote:
joe8d wrote:Wish we had a Costco's here :(

Wish we had Wegman's here :(

... and "Beef on Weck"


Must be from the Buffalo, NY area! :sharebeer
by dm200
Thu Feb 26, 2015 7:02 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 177
Views: 13509

Re: What are Costco's best deals?

Costco has unadvertised specials throughout the store. They can be recognized by the prices ending in 97 cents, such as $2.97 Did not know this until now. Thanks for the tip. Milk and Gasoline: Costco beats the competition by a big margin. Yes!! As I put in another post, I found this true of shoes/...
by dm200
Thu Feb 26, 2015 6:59 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 177
Views: 13509

Re: What are Costco's best deals?

Anything that you don't mind buying a ton of. And the winner is Easy Rhino. :D On a per unit basis, Costco has the best deal on everything. The only things that I choose not to buy at Costco are things that I don't want in bulk OR I don't like the supplier they use. Not everything is bulk sizes at ...
by dm200
Thu Feb 26, 2015 6:57 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 177
Views: 13509

Re: What are Costco's best deals?

What I get a COSTCO are: 1. Free sample of all sorts of things :D 2. Bag (5 pounds) peanuts in the shell 3. Raisins, dried plums (prunes), dates (in bag, same section as raisins and prunes 4. Large container dishwashing detergent (not dishwasher) 5. Walnuts, almonds (plain, in bag) 6. [Sometimes} tu...
by dm200
Thu Feb 26, 2015 6:49 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 177
Views: 13509

Re: What are Costco's best deals?

I'm looking to find out what Bogleheads think are the best deals that Costco offers. These can be individual items or services. Here are three that I think are particularly good: 1.) Glasses at Costco Optical: I recently got new single-vision lenses for existing frames. For Hi-Index plastic, AR coa...
by dm200
Thu Feb 26, 2015 6:34 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 177
Views: 13509

Re: Should you tip when picking up takeout food?

I consider tips as extra pay for really good service. I don't consider handing over a bag of food at a takeout counter as service. Thus I don't tip. Nor do I tip cashiers in the grocery store, ticket takers at the movies, bank tellers, dry cleaner workers, etc. From time to time, I have regularly f...
by dm200
Thu Feb 26, 2015 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Should you tip when picking up takeout food?
Replies: 54
Views: 3765

Re: Strange Billing Practice by Medical Provider

I had a small "eureka" and learned something new today in my office as a young doctor. I had a new patient that needed a simple biopsy which I (and the patient) was ready to do right there under local anesthesia. My staff checked her insurance, and she has not used any of her $3000 deduct...
by dm200
Thu Feb 26, 2015 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 59
Views: 5132

Re: Direct deposit question

I would think as long as you sign the necessary paperwork authorizing the direct deposits of monies and provide a routing number and account number,they do not care where the money is deposited :happy The employer might not care, but the bank/credit union might. Funds flowing into an account from s...
by dm200
Wed Feb 25, 2015 10:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Direct deposit question
Replies: 11
Views: 1012

Re: Strange Billing Practice by Medical Provider

I had a small "eureka" and learned something new today in my office as a young doctor. I had a new patient that needed a simple biopsy which I (and the patient) was ready to do right there under local anesthesia. My staff checked her insurance, and she has not used any of her $3000 deduct...
by dm200
Wed Feb 25, 2015 10:26 pm
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 59
Views: 5132

Re: Direct deposit question

I will be joining a new employer soon. The new employer allows multiple accounts for direct deposit. Can part of the direct deposit go to my spouse account (not a joint account)? Is this a question for the new employer or the bank to allow this kind of deposit to a different account? The financial ...
by dm200
Wed Feb 25, 2015 10:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Direct deposit question
Replies: 11
Views: 1012

Re: Full Faith and Credit

So you all believe FF&C has no real meaning. I tend to agree at this point. But I have been told by a normally reliable source that the original meaning of the term was quite strong. Originally, it was more accurate to say that FF&C debt was backed by the full faith and credit of the United...
by dm200
Tue Feb 24, 2015 2:22 pm
 
Forum: Investing - Theory, News & General
Topic: Full Faith and Credit
Replies: 37
Views: 2416

Re: Convincing a novice index funds are superior

Let me make several points and situations where index funds are not, necessarily, "superior" - 1. Many index fund advocates make the assumption that holding index funds means lower costs - and base a good deal of the argument for index funds as the assumed lower costs. Index funds are not ...
by dm200
Mon Feb 23, 2015 10:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convincing a novice index funds are superior
Replies: 26
Views: 2375

Re: switching Job- Health insurance etc...

Thnx everyone for your replies. @dm200 this is what has happened. The previous plan is effective till end of month while new Plan will commence next month. So I hope there is no issue of coverage gap. For my knowledge, Let suppose if I do have coverage gap what legal/etc complications if any, can i...
by dm200
Mon Feb 23, 2015 9:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: switching Job- Health insurance etc...
Replies: 7
Views: 620

Re: how best to supplement heat with heat pump

A few more comments - 1. We do not have a heat pump in our home (same general area as Richmond, Virginia). We have an oil fired boiler and radiators, with window AC units. Heat pumps, according to what I read and what folks tell me, have improved greatly over the decades since they became popular. I...
by dm200
Mon Feb 23, 2015 5:56 pm
 
Forum: Personal Consumer Issues
Topic: how best to supplement heat with heat pump
Replies: 49
Views: 2442

Re: Are banks required to deposit third party endorsed check

If you have ever cashed an employers check at a grocery store that is a third party check that the grocery store has deposited to their account at their bank. The prohibition on third party checks is purely a bank invention. It saves them time and trouble with bounced checks, but has nothing to do ...
by dm200
Sun Feb 22, 2015 10:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are banks required to deposit third party endorsed checks?
Replies: 52
Views: 2699

Re: how best to supplement heat with heat pump

A few comments and opinion - 1. I agree with the above post that turning down the thermostat at night, then turning it up quite a bit in the morning contributes (probably significantly) to the use of the expensive supplemental or emergency heat. I suggest encouraging leaving the setting alone at nig...
by dm200
Sun Feb 22, 2015 9:26 pm
 
Forum: Personal Consumer Issues
Topic: how best to supplement heat with heat pump
Replies: 49
Views: 2442

Re: Are banks required to deposit third party endorsed check

While a bank or credit union might choose (as discussed in previous posts) accept a third party check, it is very doubtful that a bank or credit union would accept a third party US Treasury Check (such as a tax refund). The rules and risks in the case of Treasury check are much more stringent. A dif...
by dm200
Sun Feb 22, 2015 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are banks required to deposit third party endorsed checks?
Replies: 52
Views: 2699

Re: Are banks required to deposit third party endorsed check

I actually asked my therapist if he could deposit it into his account and then write me a check. He told me that would be insurance fraud. I didn't question him further (you think I would have given what I pay him per hour.) But insurance fraud didn't quite make sense as a reason to me. Think about...
by dm200
Sun Feb 22, 2015 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are banks required to deposit third party endorsed checks?
Replies: 52
Views: 2699

Re: Are banks required to deposit third party endorsed check

The thing I don't get is why banks doesn't give you a little user's guide to your checking account. All my life I've been operating under mysterious rules I don't understand, and when I bump into problems getting strange non-explanations from tellers who may or may not be correct. For example, I on...
by dm200
Sat Feb 21, 2015 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are banks required to deposit third party endorsed checks?
Replies: 52
Views: 2699

Re: Are banks required to deposit third party endorsed check

The thing I don't get is why banks doesn't give you a little user's guide to your checking account. All my life I've been operating under mysterious rules I don't understand, and when I bump into problems getting strange non-explanations from tellers who may or may not be correct. For example, I on...
by dm200
Sat Feb 21, 2015 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are banks required to deposit third party endorsed checks?
Replies: 52
Views: 2699

Re: Are banks required to deposit third party endorsed check

As already stated, 3rd party checks are no longer allowed. This changed between 2004 and a few years ago. It is NOT at the teller's discretion. I was in the same exact situation (as the provider) receiving checks from insurance for medical visits the patient had already paid me for. I used to just ...
by dm200
Sat Feb 21, 2015 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are banks required to deposit third party endorsed checks?
Replies: 52
Views: 2699

Re: POD accounts only so how to pay deceased expenses?

You and your siblings have no responsibility to your mother's creditors. Narrowly and technically - this statement is true. BUT - your mom DID have responsibility to her creditors, and (in varying degrees) her assets were (or might have been) subject to creditor claims. I will do some more research...
by dm200
Sat Feb 21, 2015 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: POD accounts only so how to pay deceased expenses?
Replies: 24
Views: 1811

Re: What to do with Aunt's house

Does anyone know if I could rent out the house while she is on medicaid? Could I use the funds received by renting it to fix it up (siding and windows could wait) or would I need to use the full amount of the rent received to pay for her care? You might want to check with another attorney about the...
by dm200
Sat Feb 21, 2015 6:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with Aunt's house
Replies: 26
Views: 1462

Re: Full Faith and Credit

I have a question about the concept of "Full Faith and Credit." Sorry if it is too simplistic. But how exactly does this work? How can a government absolutely ensure they can pay you back? Do they structure themselves in a way where this is a guarantee? What happens if they can't? Have th...
by dm200
Fri Feb 20, 2015 10:35 pm
 
Forum: Investing - Theory, News & General
Topic: Full Faith and Credit
Replies: 37
Views: 2416

Re: POD accounts only so how to pay deceased expenses?

Let me also add that if I were a creditor and I was owed money by a person who had, upon their death, passed all assets via POD beneficiary, I would pursue these "ill gotten gains" by the beneficiaries to a considerable degree (as well as, to the degree allowed by law - recovery of collect...
by dm200
Fri Feb 20, 2015 9:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: POD accounts only so how to pay deceased expenses?
Replies: 24
Views: 1811

Re: Are banks required to deposit third party endorsed check

I have deposited checks endorsed over to me from other people several times in the past, although not recently. I also had a business that was a sole proprietorship, and endorsed over checks made out to a variety of names including mispellings. I never had a bank care. All they seemed to care about...
by dm200
Fri Feb 20, 2015 9:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are banks required to deposit third party endorsed checks?
Replies: 52
Views: 2699

Re: POD accounts only so how to pay deceased expenses?

You and your siblings have no responsibility to your mother's creditors. Narrowly and technically - this statement is true. BUT - your mom DID have responsibility to her creditors, and (in varying degrees) her assets were (or might have been) subject to creditor claims. I will do some more research...
by dm200
Fri Feb 20, 2015 9:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: POD accounts only so how to pay deceased expenses?
Replies: 24
Views: 1811

Re: Extended car warranty - worth it?

My understanding is that extended warranties not backed by the manufacturer often have so many loopholes as to be useless. There is also a much bigger risk with some of these (not all) that the issuer may go belly up. If the issuer is a large, reputable insurance company, though, I believe you are ...
by dm200
Thu Feb 19, 2015 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Extended car warranty - worth it?
Replies: 30
Views: 1850

Re: Extended car warranty - worth it?

It has been a few years, but I recall a conversation I had with a young man (close relative) who, at that time, was a new car salesman for a few years. He had a good year, so he bought and financed a nice car - and he showed me the "deal" he received. I recall that the prices he paid for e...
by dm200
Wed Feb 18, 2015 11:22 pm
 
Forum: Personal Consumer Issues
Topic: Extended car warranty - worth it?
Replies: 30
Views: 1850

Re: Hospice vs Long Term Care

"Hospice" is not necessarily a physical place for those at a certain stage of a terminal illness. While there are "Hospice" facilities, many folks under "Hospice" care may still be at home or in some other facility. I do not know the specifics, but (all depending greatl...
by dm200
Tue Feb 17, 2015 8:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hospice vs Long Term Care
Replies: 13
Views: 1028

Re: Extended car warranty - worth it?

My opinion is that extended warranties are not a good deal financially. Better to put something away each month for such items if the car has problems. You are (usually) restricted where the repairs can be done, and there is almost always a deductible. There are usually certain items excluded. Depen...
by dm200
Tue Feb 17, 2015 8:52 pm
 
Forum: Personal Consumer Issues
Topic: Extended car warranty - worth it?
Replies: 30
Views: 1850
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