Search found 7290 matches

by dm200
Fri Jul 03, 2015 8:10 pm
Forum: Personal Consumer Issues
Topic: Negotiating cost for cremation & burial?
Replies: 12
Views: 1077

Re: Negotiating cost for cremation & burial?

Look at the "details" of what is being priced. I believe the lowest cost would be for just handling of the body and immediate cremation. No embalming, no casket, etc. If the only service desired is at the cemetary, since there is no body/casket - check out what is involved in arranging thi...
by dm200
Fri Jul 03, 2015 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance "birthday rule"
Replies: 24
Views: 2441

Re: Health insurance "birthday rule"

The "Birthday Rule" for determining which spouse's employer health insurance is billed first is (as best I understand) the most recent and current common method used by employers so that one employer is not "taken advantage of" if/when that employer provides good coverage. Many y...
by dm200
Tue Jun 30, 2015 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Two Discover Cards - different interest rates?
Replies: 3
Views: 251

Two Discover Cards - different interest rates?

My wife and I have a joint Discover card - going back almost 30 years, and my wife has an individual card issued in the last few years. I just noticed that the joint card (my name first) has a rate of 16.99% and her individual card is 12.99%. almost all family income over the decades has been mine -...
by dm200
Tue Jun 30, 2015 8:52 am
Forum: Personal Consumer Issues
Topic: Purchase '98 Toyota Camry?
Replies: 28
Views: 2238

Re: Purchase '98 Toyota Camry?

That car easily has another 100K miles on it. I am 4th camry owner. Nothing but headache free. I would try hard to get $2700 for it. Bring cash. Show cash. That helps. Actually, I just learned, the car has under 70,000 original owner miles. Current owner long time friends - if this is OK with my wi...
by dm200
Mon Jun 29, 2015 10:04 am
Forum: Investing - Help with Personal Investments
Topic: 10 year Broker CDs vs 10 year Treasury
Replies: 27
Views: 2504

Re: 10 year Broker CDs vs 10 year Treasury

Am I correct to assume FDIC limits apply to holdings of a specific institutions CDs and not my total brokerage CD holdings? You are correct. Yes - this is true. The one, very unlikely, exception would be if you held the FDIC limit at two different banks, and those banks merged (or similar) - you co...
by dm200
Mon Jun 29, 2015 9:58 am
Forum: Personal Consumer Issues
Topic: Purchase '98 Toyota Camry?
Replies: 28
Views: 2238

Re: Purchase '98 Toyota Camry?

sport wrote:One concern with a car of that age is the lack of modern safety features. However, late model Camrys are much more expensive.


I am satisfied, on balance, with the safety/risk of that era cars.
by dm200
Sun Jun 28, 2015 10:30 pm
Forum: Personal Consumer Issues
Topic: Purchase '98 Toyota Camry?
Replies: 28
Views: 2238

Purchase '98 Toyota Camry?

We need/want an additional vehicle for local travel - not a lot of miles per year AND we do not want to spend very much. We have an opportunity to purchase a low mileage (under 100,000 miles) Toyota Camry (original owner) for about $3,000 or so. As far as I know, the car has been reasonably maintain...
by dm200
Sun Jun 28, 2015 10:24 pm
Forum: Personal Consumer Issues
Topic: Fish in the refrigerator
Replies: 21
Views: 2544

Re: Fish in the refrigerator

gatorking wrote:Don't put it in a transparent container. Maybe the sight is enough to help this person "recall" the odor.


Yes - the possibility that seeing "fish" influences perception of smell occurred to me as well.
by dm200
Sat Jun 27, 2015 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: 10 year Broker CDs vs 10 year Treasury
Replies: 27
Views: 2504

Re: 10 year Broker CDs vs 10 year Treasury

Some very good points made above.

Let me expand/elaborate on "Call Risk" of Brokered CDs. If the issuing bank fails, or is acquired/merged into another bank - the CD may be redeemed before maturity or, in some cases, allowed to continue - but at a lower rate.
by dm200
Sat Jun 27, 2015 2:18 pm
Forum: Personal Consumer Issues
Topic: Fish in the refrigerator
Replies: 21
Views: 2544

Re: Fish in the refrigerator

Well the good thing is with the other person having a hypersensitive level of smell it is probably less likely that they are a psychopath. Or rather the opposite. Some studies had demonstrated a correlation with at least some psychopaths have a reduced sense of smell. For reason(s) beyond the scope...
by dm200
Fri Jun 26, 2015 12:32 pm
Forum: Personal Consumer Issues
Topic: Fish in the refrigerator
Replies: 21
Views: 2544

Re: Fish in the refrigerator

No, I do not leave the fish in the opened can, but store it in a glass container with a snap shut lid.

While I do not notice the "fish smell", I suspect that other household/family member(s) may be more sensitive to this.

Maybe I will put the container in the freezer.
by dm200
Fri Jun 26, 2015 11:20 am
Forum: Personal Consumer Issues
Topic: Fish in the refrigerator
Replies: 21
Views: 2544

Re: Fish in the refrigerator

wilsobk wrote:Have you tried putting the opened can inside a ziplock bag and then into the fridge?


Not exactly. I put the uneaten part of the can in a glass container with a snap/click lid - that should seal it pretty well - but the fish smell seems to be noticed.
by dm200
Fri Jun 26, 2015 11:05 am
Forum: Personal Consumer Issues
Topic: Fish in the refrigerator
Replies: 21
Views: 2544

Fish in the refrigerator

I regularly eat various types of canned fish (salmon, mackerel, tuna). Since I cannot consume the whole can, I store the remainder in a container in the refrigerator for a day or two - as I may take 2-3 days to consume the entire amount. Another member of my household complains that the refrigerator...
by dm200
Fri Jun 26, 2015 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Power of attorney
Replies: 59
Views: 5064

Re: Power of attorney

In case it hasn't been clearly pointed out yet, a POA means nothing after death. Once the principal has died, all authority passes to the executor of the estate. Absolutely correct. This is a very common misunderstanding. In fact, using (or attempting to use) a POA after the death of the grantor mi...
by dm200
Thu Jun 25, 2015 10:53 am
Forum: Personal Finance (Not Investing)
Topic: making minor changes to a will
Replies: 6
Views: 566

Re: making minor changes to a will

I would be concerned that a "do it yourself" change to a will might have unintended consequences. The first thing, IMO, to consider is how these deceased folks affects what happens now. It may not have any significant affect. Then, if changes are necessary - I would have the redrafted will...
by dm200
Mon Jun 22, 2015 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Should my husband become a nurse?
Replies: 71
Views: 7313

Re: Should my husband become a nurse?

Before he expends the time, effort and money going all the way to a BSN, I suggest he do something "hands on" to make sure he would be able to work in the Nursing field
by dm200
Sun Jun 21, 2015 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a CD at Vanguard
Replies: 17
Views: 3776

Re: Buying a CD at Vanguard

Here are a few (sorry I can't figure out how to make them line up - the website doesn't seem to let you insert tabs): Purchase Date Coupon Position Cost Basis Sales Date Proceeds 7-Jun-12 1.8% 10,000 9,941.95 31-Dec-12 10,032.90 10-Dec-10 1.6% 10,000 10,000.00 8-Jan-13 10,017.80 2-Dec-11 1.55% 10,0...
by dm200
Sun Jun 21, 2015 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Bankruptcy
Replies: 18
Views: 2611

Re: Bankruptcy

Let me throw another consideration/twist into this matter.

What kind of financial institution is this car loan with? If the car loan is with a credit union, there may be some different rules/procedures involved than if the loan is with a bank or auto financing entity.
by dm200
Sat Jun 20, 2015 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Bankruptcy
Replies: 18
Views: 2611

Re: Bankruptcy

If the title is jointly held with your mother, then it's her asset as well as yours. A transfer of title in anticipation of BK would be considered a voidable preference or fraudulent transfer. https://en.wikipedia.org/wiki/Unfair_preference I agree. I have never declared personal bankruptcy, but a ...
by dm200
Sat Jun 20, 2015 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a CD at Vanguard
Replies: 17
Views: 3776

Re: Buying a CD at Vanguard

My ONE experience is selling a Brokered CD at Vanguard: Although it is our intention and plan (organization I manage) to keep the Vanguard Brokered CDs to maturity, nonetheless, there is a possibility that we may need to sell some before maturity (or find other sources of liquidity). Several years a...
by dm200
Fri Jun 19, 2015 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: I'm cosigner .. Friend thinking of bankruptcy .. Pls help
Replies: 80
Views: 13925

Re: I'm cosigner .. Friend thinking of bankruptcy .. Pls help

The rules and process of bankruptcy can be both confusing and, in some cases, counterintuitive. They are also dependent on specific state law. A bankruptcy attorney can give specific information, but you have to be careful paying down certain bills right before declaring because other creditors coul...
by dm200
Fri Jun 19, 2015 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a CD at Vanguard
Replies: 17
Views: 3776

Re: Buying a CD at Vanguard

I just purchased (several days ago) a $30,000 (and will pay the full $30,000.00) new issue CD issued by Bank of India NY with settlement next week (on the 25th): Here is what it looks like a few minutes ago: BANK OF INDIA NEW YORK NY CD FDIC INT@MAT CPN 0.45000 % MTD 2015-09-23 DTD 2015-06-25 Balanc...
by dm200
Fri Jun 19, 2015 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a CD at Vanguard
Replies: 17
Views: 3776

Re: Buying a CD at Vanguard

That is very normal, and that reflects a "value" of the CD, BUT this "value" is approximate. I manage funds for an organization and we have about 40 Vanguard brokered CDs - and this happans all the time.
by dm200
Thu Jun 18, 2015 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: buying a home with daughter and son in law
Replies: 17
Views: 3076

Re: buying a home with daughter and son in law

I am trying to understand your "plan". You will buy the house/duplex with your money (from sale of your CA home), and all three of you will live in this house? Sounds like the "invitation" is a request to provide their housing. Or am I missing something? I would keep things as se...
by dm200
Wed Jun 17, 2015 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Taxpayer ID Number?
Replies: 3
Views: 460

Re: Taxpayer ID Number?

Can you get such a "Taxpayer ID Number" in this circumstance?

I thought (could be wrong) that for an individual - the Taxpayer ID is normally the Social security Number.
by dm200
Wed Jun 17, 2015 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent Life claim denied
Replies: 40
Views: 3710

Re: Dependent Life claim denied

What occurs to me is whether either the employer or the insurance company could have (or should have) caught this when the ineligibility was first in effect. In other words, did both the primary life insurance and the dependent life fully and completely identify the "insured" (your late wi...
by dm200
Tue Jun 16, 2015 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Proving address to credit bureaus
Replies: 10
Views: 1101

Re: Proving address to credit bureaus

So, I previously posted about getting denied when I tried to pull my free annual credit report from https://www.annualcreditreport.com/ and as suggested I tried calling. I assumed I would have to talk to someone, but I actually just had to re-enter all of the exact same information by voice which w...
by dm200
Tue Jun 16, 2015 5:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard announces plans for money market fund lineup
Replies: 15
Views: 3038

Re: Vanguard announces plans for money market fund lineup

I wonder if the interest rates will be competitive with Ally and the like or more like the .01% TD Ameritrade money market funds? Unless and until short term market interest rates go up, I would not expect MM Fund rates at Vanguard to be much more than the "token" 0.01% Financial institut...
by dm200
Tue Jun 16, 2015 11:42 am
Forum: Personal Consumer Issues
Topic: Most Beautiful Nature Destinations
Replies: 50
Views: 6131

Re: Most Beautiful Nature Destinations

Ones I have seen

Yosemite
Niagara Falls (especially the Canadian side)
"Big trees" (Sequoias) at Yosemite, Kings Canyon and Sequoia National Parks
Coastal Redwoods (Northern California, Oregon) - along Pacific Coast
by dm200
Sun Jun 14, 2015 2:49 pm
Forum: Personal Consumer Issues
Topic: iPhone 6 or 6 plus for light business travel?
Replies: 27
Views: 2825

Re: iPhone 6 or 6 plus for light business travel?

I went from BlackBerry to 6 Plus on retirement and think the 6P is great for travel. Biggest transition was not having push e-mail but since not working much anymore, not a huge issue. 6P is great for web access and I find the size not too bad even though it is giant compared to a Blackberry. Easil...
by dm200
Sun Jun 14, 2015 12:37 pm
Forum: Personal Consumer Issues
Topic: iPhone 6 or 6 plus for light business travel?
Replies: 27
Views: 2825

Re: iPhone 6 or 6 plus for light business travel?

I purchased 6 Plus (my first Smart Phone) about 6 months ago - and I like the larger size very much. I purchase a hard case - so it is safe to put in any pocket.
by dm200
Sat Jun 13, 2015 5:42 pm
Forum: Personal Consumer Issues
Topic: No-line bifocals [progressives] from Costco
Replies: 29
Views: 3197

Re: COSTCO - eyeglasses with Progressive lenses

runner9 wrote:https://www.bogleheads.org/forum/viewtopic.php?f=11&t=166951&p=2512283

I'm lucky to not need glasses, but are progressive lenses the same as the no line bifocals discussed in this very recent thread?


Thanks. This is exactly what I want - I just must have missed it.
by dm200
Sat Jun 13, 2015 3:51 pm
Forum: Personal Consumer Issues
Topic: No-line bifocals [progressives] from Costco
Replies: 29
Views: 3197

COSTCO - eyeglasses with Progressive lenses

[Thread merged into here, see below. --admin LadyGeek] I need new glasses. The ones that need replacing are progressive lenses - and I think that is what I want and need at this stage of life. I see good reviews and prices for COSTCO glasses, but my wife has different conclusions. I plan to have th...
by dm200
Fri Jun 12, 2015 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Is my tenant trying to scam their renter's insurance company? (Fire Damage)
Replies: 44
Views: 5028

Re: Is my tenant trying to scam their renter's insurance company? (Fire Damage)

Here is the puzzle to me - If this is some sort of tenant "scam" - what is the benefit and/or motive? Sure seems like a lot of work/effort to get some things cleaned.
by dm200
Fri Jun 12, 2015 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Dispute/Don't Pay Medical Bill
Replies: 45
Views: 3119

Re: Dispute/Don't Pay Medical Bill

I think the bill is reasonable, given the time to clean the equipment, etc. and the cost of the equipment. So you would be ok if your mechanic billed you at his full rate for the time it took him to set up and prepare his tools for the job and then to clean his tools and equipment after the work wa...
by dm200
Fri Jun 12, 2015 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Dispute/Don't Pay Medical Bill
Replies: 45
Views: 3119

Re: Dispute/Don't Pay Medical Bill

I just received the July 2015 issue of "Consumer Reports On Health" - and the regular article by Dr. Orly Avitzur (CR medical adviser) addressed the medical overcharging/billing matter. Her specific situation was receipt of an anesthesia bill of $1,459.90 for her husband's recent colonosco...
by dm200
Fri Jun 12, 2015 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Dispute/Don't Pay Medical Bill
Replies: 45
Views: 3119

Re: Dispute/Don't Pay Medical Bill

Looking for some advice here. I went an allergist this spring after having issues for about a decade. She referred me to an E/N/T, who I met with. Guy did the usual "look" into my ears and nose. Then he pulled out a little box the size of an iPhone, and said he was going to look deeper wi...
by dm200
Wed Jun 10, 2015 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Regarding life insurance after job loss??
Replies: 10
Views: 1051

Re: Regarding life insurance after job loss??

some employers off a "portability feature" which enables an employee to continue their life insurance coverage. You may want to aske Yes - BUT (as I posted above) a few years ago when leaving an employer that provided life insurance to employees, when I read the "fine print" of ...
by dm200
Wed Jun 10, 2015 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Secondary CDs
Replies: 20
Views: 2532

Re: Secondary CDs

Regarding buying a Vanguard Brokered CD on the "secondary market" vs. a new issue CD - it appears to me that the new CD offerings are usually just as good (sometimes better) than the secondary sale offerings - and you pay NO COMMISSION. But - that is my conclusion - others may have reached...
by dm200
Wed Jun 10, 2015 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Might there be tax credits (personal) for disabled equipped vehicle?
Replies: 5
Views: 341

Re: Might there be tax credits (personal) for disabled equipped vehicle?

Thanks for the information and ideas. I will check with them, but I don't think their particular income and financial/tax situation would be helped by "itemized" expenses, since I doubt they can "itemize".
by dm200
Wed Jun 10, 2015 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Might there be tax credits (personal) for disabled equipped vehicle?
Replies: 5
Views: 341

Might there be tax credits (personal) for disabled equipped vehicle?

An acquaintance of mine is a severely disabled young adult (early 30's, quadriplegic in motorized wheelchair). To be able to travel to events/functions/etc. he must be transported in some kind of specially equipped vehicle. He and his wife had a modified minivan (with ramp) that worked very will for...
by dm200
Sun Jun 07, 2015 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Regarding life insurance after job loss??
Replies: 10
Views: 1051

Re: Regarding life insurance after job loss??

Good answers/considerations above. Let me add: 1. Determine exactly when the (probably term) insurance ends. It may be different than the other benefits. 2. If life insurance is needed, he should begin looking for term policies ASAP 3. Look at whether he has a "conversion" option on curren...
by dm200
Sun Jun 07, 2015 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Secondary CDs
Replies: 20
Views: 2532

Re: Secondary CDs

I think most of your questions have been answered by others, but let me add/elaborate on sale of a brokered CD on the secondary market. You cannot redeem the CD early (with a penalty), so the only way you can get the money early is to sell the CD on the secondary market. (At least) three issues to b...
by dm200
Sun Jun 07, 2015 10:20 am
Forum: Personal Finance (Not Investing)
Topic: credit union account closing fees
Replies: 8
Views: 1051

Re: credit union account closing fees

What I object to is fees materialize out of nowhere, so to speak, and zapping customers when they leave (in this case I was leaving partly, now I'm leaving totally and moving the accounts to a cu that does not have those fees.) When Schwab charged me $50 for moving an account, I moved all my Schwab...
by dm200
Sat Jun 06, 2015 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: credit union account closing fees
Replies: 8
Views: 1051

Re: credit union account closing fees

You got away with a cheap lesson that credit unions can have just as many fees as banks, at least for certain transactions. My lesson on this was far more costly, to the tune of $125. When I transferred a brokerage IRA from a credit union to Vanguard, the fees were $50 for transferring the IRA and ...
by dm200
Sat Jun 06, 2015 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: credit union account closing fees
Replies: 8
Views: 1051

Re: credit union account closing fees

Could you provide a link to the exact type of fee being charged? I have not seen or heard of credit unions that just charge $25 (or some other amount) to close the account. Maybe there are some. What I have seen or heard of from several credit unions is a fee if/when the account is closed within a ...
by dm200
Fri Jun 05, 2015 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: credit union account closing fees
Replies: 8
Views: 1051

Re: credit union account closing fees

So, I have CDs at several credit unions, and from time to time some mature and I may have them transferred to another of the credit unions due to insurance limits, interest rates, whatever. I was in at one of the cus today and the person mentioned that the source cu would be charging a $25 free for...
by dm200
Fri Jun 05, 2015 11:49 am
Forum: Investing - Theory, News & General
Topic: FDIC CD rate caps?
Replies: 9
Views: 1408

Re: FDIC CD rate caps?

1. I agree that you (OP) are making this much more complicated than, IMO, is necessary or relevant. As long as you stay under the FDIC insured amount, your money is safe and protected. if a bank fails, then there is some degree of "call risk", but banks that are not "well capitalized&...
by dm200
Thu Jun 04, 2015 9:43 pm
Forum: Investing - Theory, News & General
Topic: FDIC CD rate caps?
Replies: 9
Views: 1408

Re: FDIC CD rate caps?

Can anyone explain what this means? https://www.fdic.gov/regulations/resources/rates/ There are clearly many "online banks" such as Synchrony, Ally, Barclays that exceed the rate cap by a large margin (and their CDs are all FDIC insured). What's the story? The "key" (perhaps you...
by dm200
Thu Jun 04, 2015 4:08 pm
Forum: Personal Consumer Issues
Topic: Rowing Machines
Replies: 27
Views: 1973

Re: Rowing Machines

More on Concept 2 - The model at the gym I use has the display - for all sorts of measurements/tracking. I like that feature very much. Some (older, I think) models do not have that. I am NO expert on this - just what I read. There is a lever adjustment increasing or decreasing the "drag factor...

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