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Re: Assistance with Medicare costs for lowish income seniors

I will also suggest evaluating a Medicare Advantage plan with prescription drug coverage (or the very similar Medicare Cost plans). With these plans, you do not purchase a Medigap plan. Perhaps a good way to approach dealing with these high costs for them is to start with a blank slate - evaluate va...
by dm200
Tue Sep 30, 2014 11:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assistance with Medicare costs for lowish income seniors
Replies: 11
Views: 740

Re: Oatmeal suggestions

I don't consider oatmeal to taste bad at all. The things I put in my almost daily oatmeal are all things that I consider "healthy" - as well as tasting good - dried fruit (raisins, dried plums, dates) or sliced banana plus 1-2 tablespoons ground flaxseed and soymilk. I also eat a handful o...
by dm200
Tue Sep 30, 2014 11:21 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 91
Views: 2861

Re: Oatmeal suggestions

About four years ago, as I took up a much more healthy lifestyle, eating breakfast every day was a fundamental change. I have oatmeal for breakfast about 80% of the time, with cold whole grain cereal (such as shredded wheat, Cherios, raisin bran, etc.) the other 20%. I get regular Quaker Oats (ten p...
by dm200
Tue Sep 30, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 91
Views: 2861

Re: Lawyer fee question?

I learned (the hard way) of an attorney billing practice several years ago when several coworkers and I, as well as our small company employer, were sucessfully sued (civil suit) and, as a result, I had judgments against me. A very large part of the judgments was for attorney fees of the previous em...
by dm200
Mon Sep 29, 2014 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lawyer fee question?
Replies: 32
Views: 2078

Re: Lawyer fee question?

Hi all, Hoping to get some of the lawyers out there to chime in on their opinion. I am in the middle of lawsuit with my former employer. The are suing me for contractual breaches. They went for a TRO which I won. We were in the process of preparing for a preliminary injunction. In the middle of pre...
by dm200
Sun Sep 28, 2014 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lawyer fee question?
Replies: 32
Views: 2078

Re: Obese airline passenger

One of the many "discomforts" of air travel these days, as more seats are squeezed into planes - at the same time the average person is heavier.

You know you are "old" when you remember that flying was once a normally pleasant experience!
by dm200
Sun Sep 28, 2014 7:52 pm
 
Forum: Personal Consumer Issues
Topic: Obese airline passenger
Replies: 62
Views: 4636

Re: Trying to understand Uber and similar "ride sharing" ser

Transparency and removing barriers to entry is an awesome thing. The taxi/city industrial complex is TERRIBLY run, I don't know why anyone would defend it or feel comforted by its regulations. I think that depends on the details in a particular jurisdiction. While no system is perfect, I believe ou...
by dm200
Sat Sep 27, 2014 4:23 pm
 
Forum: Personal Consumer Issues
Topic: Trying to understand Uber and similar "ride sharing" service
Replies: 51
Views: 3132

Re: Question about medicare, myself, and spouse

Unless you have employer provided (and significantly funded by employer) health insurance, I do not believe there is any benefit at all to delay filing for Medicare at age 65. Until you stop working, I suggest discussing the family coverage with employer and file for medicare at age 65. I would also...
by dm200
Thu Sep 25, 2014 9:14 pm
 
Forum: Personal Consumer Issues
Topic: Question about medicare, myself, and spouse
Replies: 9
Views: 683

Re: Trying to understand Uber and similar "ride sharing" ser

In many cases the stringent taxi regulations only apply for cabs that can be hailed from the street. This is the case in New York City, for example. NYC does not require million dollar taxi medallions to run a for hire car service that is called by phone instead of being hailed from the street, tho...
by dm200
Thu Sep 25, 2014 9:08 pm
 
Forum: Personal Consumer Issues
Topic: Trying to understand Uber and similar "ride sharing" service
Replies: 51
Views: 3132

Trying to understand Uber and similar "ride sharing" service

In our local area, the "Uber" ride service is now available (I have not used it) and is the topic of considerable uproar from state and local government entities, as well as the highly regulated taxi industry. While it is not perfect, our local jurisdiction has above average (in my opinion...
by dm200
Thu Sep 25, 2014 4:43 pm
 
Forum: Personal Consumer Issues
Topic: Trying to understand Uber and similar "ride sharing" service
Replies: 51
Views: 3132

Re: Medicare question

i'm sure someone here has been in this situation. i am currently on cobra insurance. it will end 3 months before i am eligible for medicare. what is the best way to bridge this gap? (does anyone sell a 3 month policy?) thanks for your help. I am nearly certain that the termination of COBRA eligibil...
by dm200
Thu Sep 25, 2014 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare question
Replies: 10
Views: 898

Re: Medicare Advantage Plan.....Stay or Go?

I see no reason why the total cost of healthcare should be terribly different whether you get it by way of traditional Medicare and Medigap supplemental, or whether you get it in a Medicare Advantage plan. Either way, but especially with Advantage plans, you have a complicated maze--you pay some am...
by dm200
Wed Sep 24, 2014 9:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage Plan.....Stay or Go?
Replies: 14
Views: 1067

Re: Sale of a home between boyfriend and girlfriend.

As you relate this, it seems that, apparently as sole owner of the home, she seems to be in the drivers seat on primarily determining the disposition and splitting of any gain on the sale of the home - so it could be worse.
by dm200
Wed Sep 24, 2014 9:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 5521

Re: Medicare Advantage Plan.....Stay or Go?

1. Are there any other Medicare Advantage (or the similar Medicare Cost) plans available to you to consider? 2. It sounds like the MA plan (even with the 2015 increases) may still be "better" for you than traditional Medicare plus Medigap. The question is what the future holds? In my opini...
by dm200
Tue Sep 23, 2014 10:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage Plan.....Stay or Go?
Replies: 14
Views: 1067

Re: Car Accident Responsibility for Borrowed Cars

I have not scrutinized the fine print of my State Farm Auto Insurance policy lately, but my understanding is that if I borrow/use a car owned by someone else, that my policy would or could cover me.
by dm200
Mon Sep 22, 2014 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car Accident Responsibility for Borrowed Cars
Replies: 13
Views: 923

Re: Medicare Plan D [Tale of Woe]

Very related "donut hole" Medicare question - I know that the amount actually paid by the Medicare recipient varies greatly depending on the exact plan the recipient is enrolled in. My question is about the "full price/cost" that is used by Medicare to determine entry into and e...
by dm200
Mon Sep 22, 2014 1:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Plan D [Tale of Woe]
Replies: 21
Views: 1956

Re: Medicare Plan D [Tale of Woe]

Very related "donut hole" Medicare question - I know that the amount actually paid by the Medicare recipient varies greatly depending on the exact plan the recipient is enrolled in. My question is about the "full price/cost" that is used by Medicare to determine entry into and ex...
by dm200
Sun Sep 21, 2014 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Plan D [Tale of Woe]
Replies: 21
Views: 1956

Re: Sale of a home between boyfriend and girlfriend.

It sounds like the key question is whether the boyfriend is an owner with a verbal contract or a renter. Verbal contracts are legal contracts; they just happen to be messy, unclear and almost impossible to enforce fairly. Nobody should ever use them, but some people do. Did she show the money that ...
by dm200
Sun Sep 21, 2014 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 5521

Re: Engineered Hardwood

I have no direct expertise or first hand experience with the durability of engineered hardwood flooring, but within the last month in a building that I am in frequently - the organization has replaced a carpeted space and a smaller kitchen-type space that had tile squares - with this "engineere...
by dm200
Sat Sep 20, 2014 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Engineered Hardwood
Replies: 13
Views: 1101

Re: Sale of a home between boyfriend and girlfriend.

There are so many problems with this question. First, it is hypothetical and not actionable. According to the real estate agent, they could make 50,000.00 profit on the sale. In the event she does , does he or should he get any of this. Second, there is nowhere near enough information to determine ...
by dm200
Sat Sep 20, 2014 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 5521

Re: Sale of a home between boyfriend and girlfriend.

As well stated above, there are many ways of looking at this - even without the "emotional" aspects, which are probably significant. Since this is only two years, the "time value of money", as well as a low rate environment, are not significant. I also leave out the tax consequen...
by dm200
Sat Sep 20, 2014 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 5521

Re: Strange Billing Practice by Medical Provider

Who should get the "deductible" amount paid by the patient. I understand that the physician/provider should get the contractual "copay". He she should also receive the contracted insurance claim approved amount for the services. But - shouldn't the deductible amount be fairly al...
by dm200
Fri Sep 19, 2014 5:43 pm
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 38
Views: 2724

Re: Medicare Plan D Tail Of Whoa!

I am on a Medicare Cost plan (much like Medicare Advantage) with the drug benefit. So, I am also faced with a potential "donut hole" issue/risk. Until the middle of last year, I had been taking only a few, lower cost prescriptions. Then, I was prescribed an expensive medication that I can ...
by dm200
Fri Sep 19, 2014 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Plan D [Tale of Woe]
Replies: 21
Views: 1956

Re: Costco:is it worth it for just two people?

I thought the food sample people are not employees of Costco but are contractors. Is that right? I am not sure what you point or issue is - whether these folks are employees or contractors. I make a point of being very nice and polite to them. My other comment was based on a reaction from one of th...
by dm200
Fri Sep 19, 2014 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 11815

Re: Strange Billing Practice by Medical Provider

I see this problem in my own practice. My biller has started delaying the submission of claims with the strategy that the hospital or surgery center will submit their larger bill first which will eat up the pts deductible and then I would collect directly from the insurance company. The problem wit...
by dm200
Thu Sep 18, 2014 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 38
Views: 2724

Re: Costco:is it worth it for just two people?

We were in Costco yesterday buying a bunch of things. As we passed by one of the ladies handing out samples she asked my wife, "Don't you want to try a sample of our gluten-free bagels?" My wife went back for the sample and in an attempt to be nice said, thank you for feeding me. The samp...
by dm200
Thu Sep 18, 2014 5:18 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 11815

Re: Strange Billing Practice by Medical Provider

From my experience with a previous insurance company for physician specialist services - where I knew from a previous Dr & Insurance back and forth that there might be issues, when I needed the same services again, I insisted that the office of the Dr contact the insurance company so that both t...
by dm200
Wed Sep 17, 2014 9:15 pm
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 38
Views: 2724

Re: Should I step in to help my in law pay off credit card d

There are many ways of looking at this.. For a relatively modest amount of $3,000 - and she makes even minimum payments - I can't see this ballooning into a bigger problem. If you just pay it off - what is the increased risk that she will then just run it up again to that level? Let me also make jus...
by dm200
Tue Sep 16, 2014 11:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I step in to help my in law pay off credit card debt
Replies: 31
Views: 2637

Re: Strange Billing Practice by Medical Provider

I'm an anesthesiologist in a solo practice. As mentioned above, I wonder if the provider is having difficulty ultimately collecting from pts who are in network when he bills them later. That may be the situation, although we're missing key facts from the OP. I went in for a minor surgical procedure...
by dm200
Tue Sep 16, 2014 11:13 pm
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 38
Views: 2724

Re: Strange Billing Practice by Medical Provider

I may be missing some of the details in the intervening posts, as well as the OP may not have all of the details of what is being proposed, but this des not make sense to me IF THE PROVIDER IS IN THE PPO NETWORK. It sounds like the patient (or you) would end up paying more for the services of this p...
by dm200
Tue Sep 16, 2014 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 38
Views: 2724

Re: [can my family live in a] Tiny house

In today's society, I suspect 500 sq ft would be a problem with 3-4 children, in many ways - so I would look for other ways of getting back to the basics/simplifying. Our house (built in the late 1930's and no major upgrades/expansion) is about 600 sq ft on each floor (about 1200 total) with an unfi...
by dm200
Tue Sep 16, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: [can my family live in a] Tiny house
Replies: 60
Views: 4075

Re: Should I purchase retirement home with in-laws?

My in-laws are 72 years old and 65 years old and are thinking about purchasing a retirement home in Delaware. We are from CT and NY. We were thinking about offering to split the purchase of the Delaware home. We would split the mortgage payments with them until they passed on. At that point we woul...
by dm200
Tue Sep 16, 2014 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I purchase retirement home with in-laws?
Replies: 18
Views: 1295

Re: Rental property with in-laws: please help!

We have a differing perspectives on strategic default. Here's a relevant thread: Strategic Default [on a property] Take a look at the posts by jimb_fromATL. Please state opinions in a factual manner. Was this directed to me, since it was just under my post. if so, I am puzzled, since I said nothing...
by dm200
Sun Sep 14, 2014 3:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental property with in-laws: please help!
Replies: 128
Views: 7815

Re: Costco vs Amazon?

Costco has a deliberately limited selection of a a few thousand items in a limited range of sizes. Amazon probably has over a million. So you can not do all your shopping at Costco, but for the reasons given by other BH above, it is a great place to shop. You probably should not buy perishable item...
by dm200
Sun Sep 14, 2014 3:46 pm
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4613

Re: Rental property with in-laws: please help!

8. From what you relate, I think you/your wife may have more significant "risks" than just losing the amount that you believe is "underwater". Can you explain? One risk that I can think of is that, as an individual owner of the rental property she could be liable for all kinds o...
by dm200
Sun Sep 14, 2014 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Rental property with in-laws: please help!
Replies: 128
Views: 7815

Re: Buying CDs

It's not academic. If you're trying to help your 84 year old parents invest several hundred thousand dollars in retirement savings, you have to consider the possibility that one or both might need to access the money, unplanned, for long-term care needs that aren't on the horizon now, but who knows...
by dm200
Sat Sep 13, 2014 11:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying CDs
Replies: 30
Views: 3510

Re: Rental property with in-laws: please help!

To me (unless I am missing something) - this does not add up. I am guessing there are some missing facts and pieces. Before deciding or doing anything, I suggest getting all the facts and details of this "entanglement" clearly understood by BOTH you and your wife. 1. Do I understand that y...
by dm200
Sat Sep 13, 2014 11:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental property with in-laws: please help!
Replies: 128
Views: 7815

Re: Costco vs Amazon?

One caution about Costco, whatever the item if you think you may get it - food, clothing, whatever - buy it. If you fail to buy it, get home and decide yes, I should get it, even money they may not have your size, brand, flavor, type, color. Ever Again... :oops: You can always return it no question...
by dm200
Sat Sep 13, 2014 7:24 pm
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4613

Re: Buying CDs

Ah, that's interesting, thanks.That's better than I thought. And yes, I was aware of the problem of what happens if you cash out before you even earn enough interest. I was more worried about what happens a year, two, three later. But that's an excellent point about making sure you've even accrued ...
by dm200
Sat Sep 13, 2014 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying CDs
Replies: 30
Views: 3510

Re: Costco vs Amazon?

Specifically for the Northern Virginia suburbs of Washington DC, how much of a bargain is gasoline, at the COSTCO locations that have gas? We shop at the Arlington COSTCO, near our home, and they don't have gasoline. I am wondering how much we would (or might save) at another COSTCO vs. an extra mil...
by dm200
Sat Sep 13, 2014 1:34 pm
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4613

Re: Buying CDs

Since you folks seem to understand CDs, and you've answered the OP's question already, can I ask another basic CD question (at the risk of hijacking the thread)? I'm trying to understand how to calculate the penalty for early withdrawal, so I can compare CD offerings from various banks, and I'm con...
by dm200
Sat Sep 13, 2014 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying CDs
Replies: 30
Views: 3510

Re: What type of assets can a lawyer see that you have?

Deposition is a very powerful tool, it is real time oral discovery under oath and it is never going to be fun for the person being deposed. It also helps the opposing attorney avoid surprises at trial and also lets them lock your testimony down (if you change your answers between deposition and tri...
by dm200
Sat Sep 13, 2014 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: What type of assets can a lawyer see that you have?
Replies: 32
Views: 4052

Re: What type of assets can a lawyer see that you have?

What assets can a lawyer see that you have? I know they can look up cars and houses what else can they see that you own? From personal experience - if there is a civil judgment against you (even if you are one of many), you can be compelled to turn over massive amounts of information and records on...
by dm200
Sat Sep 13, 2014 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: What type of assets can a lawyer see that you have?
Replies: 32
Views: 4052

Re: Buying CDs

Dandy, What a terrific synopsis of direct vs. brokered CDs! I am in the process of slowing converting CDs with numerous different banks to brokered issues under the Vanguard umbrella. Getting a little tired of dealing with different banks and waiting for the funds through checks or ACH as they come...
by dm200
Sat Sep 13, 2014 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying CDs
Replies: 30
Views: 3510

Re: What type of assets can a lawyer see that you have?

What assets can a lawyer see that you have? I know they can look up cars and houses what else can they see that you own? From personal experience - if there is a civil judgment against you (even if you are one of many), you can be compelled to turn over massive amounts of information and records on...
by dm200
Fri Sep 12, 2014 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: What type of assets can a lawyer see that you have?
Replies: 32
Views: 4052

Re: Costco vs Amazon?

Be cautious or outright avoid at costco: "fresh" berries (several times we have purchased blueberries and strawberries that have molded in a day or two; we simply don't buy fresh berries from costco now), some fresh veggies (bags of asparagus seem like a good deal, but they ended up being...
by dm200
Thu Sep 11, 2014 10:21 pm
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4613

Re: Costco vs Amazon?

The food "court" has, in my opinion, real bargains - if you eat hot dogs, pizza (either by the slice there or whole pizza to go), or a few other available items.
by dm200
Thu Sep 11, 2014 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4613

Re: Costco vs Amazon?

I was recently gifted a Costco membership and I've never shopped there before, so I looked around online for shopping tips for Costco...ran across some sites with posters indicating that Amazon offers better pricing on the same items. Our household is small and I tend not to purchase in bulk. If yo...
by dm200
Thu Sep 11, 2014 12:39 pm
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4613

Re: would like to protect principal

Hi, I have 500K to invest, but am concerned about timing. I need to get some growth from the investment, but am willing to take lower growth for (much) less risk. I would like to protect the principal as much as possible. I am in a 25% tax bracket. Which fund or funds would you recommend? I have a ...
by dm200
Wed Sep 10, 2014 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: would like to protect principal
Replies: 15
Views: 993

Re: Math Help: Paying Home Mortgage Early?

It's $235,000 even , no way it's $235,685 given the parameters It depends on when the loan payment is made, at the beginning of the period or end of the period. It is 235K even if monthly payment is paid at the end, it is 235K and change if the payment is made at the begining of the period. Aren't ...
by dm200
Wed Sep 10, 2014 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Math Help: Paying Home Mortgage Early?
Replies: 16
Views: 1281
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