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Re: Paper or plastic?

Honest question. For those of you who don't ever get plastic bags at the grocery store, what do you use to line your trash cans? I have a small one in the kitchen for non recyclables and another in the bathroom. I'll admit that eventually we end up with more grocery bags than trash, so we could use...
by dm200
Sun Aug 31, 2014 10:24 pm
 
Forum: Personal Consumer Issues
Topic: Paper or plastic?
Replies: 30
Views: 1183

Re: Do my in-laws need a will?

I added this to the OP but to answer some questions: The state is Michigan. As far as estate size goes, they have a farm that is probably worth about $1 million with all land included but very little in other valuable assets. No retirement accounts, very little cash savings (under $100k). Three old...
by dm200
Sun Aug 31, 2014 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do my in-laws need a will?
Replies: 8
Views: 508

Re: Do my in-laws need a will?

What happens if she is (God forbid) killed in an accident when he is weeks away from his own death? Then would he need a will? I ask this without knowing the answer. Edit: not the only one with this thought, I guess. Exactly one of the things that can happen in my post. Another, related, possibilit...
by dm200
Sun Aug 31, 2014 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do my in-laws need a will?
Replies: 8
Views: 508

Re: Do my in-laws need a will?

I am not any kind of legal/estate professional, so this is just my layperson's opinion. I am sorry that your father-in-law if facing this difficulty. I would lean strongly towards both parents getting wills (or possibly trusts) drawn by an experienced estate planning attorney. While it may be likely...
by dm200
Sun Aug 31, 2014 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do my in-laws need a will?
Replies: 8
Views: 508

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

Costco is OK, but not for me. I seem to get similar prices buying from Trader Joes and local supermarket on sale. The local Costco is too far, and I never like buying larger quantities than I need (fear of obesity and limited storage issues at home). yes - for some (perhaps many) grocery items, spe...
by dm200
Sun Aug 31, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 95
Views: 5097

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

1. There is a very convenient COSTCO within about 2 miles of our house. It is almost as convenient as the nearby grocery stores. Are you going to the one in Pentagon City? If yes, how are the selection and parking there? I am now using a suburban Costco but will be moving to Arlington soon. Victori...
by dm200
Sat Aug 30, 2014 10:08 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 95
Views: 5097

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

Yes - for my wife and I - 1. There is a very convenient COSTCO within about 2 miles of our house. It is almost as convenient as the nearby grocery stores. 2. Some food items are both a bargain (price) and things that fit well into my eating pattern. These include 3 lb bags of walnuts and almonds, 10...
by dm200
Sat Aug 30, 2014 5:19 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 95
Views: 5097

Re: Help out family without compromising my own retirement?

As you have experienced and are experiencing - it is often very easy to get into (or be dragged into) what can be very burdensome "obligations". And, as you have expressed - the needs or demands are increasing - with a long (probably very long) future of the same. It seems to me that you m...
by dm200
Fri Aug 29, 2014 7:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help out family without compromising my own retirement?
Replies: 55
Views: 3344

Re: ACH transfers

Is an ACH transfer always done as a "push" where you initiate the transaction from the money's source account, and send the funds to the destination deposit account, or can you also do it as a "pull" from your destination account? Yes - both ways, depending on the nature of the ...
by dm200
Fri Aug 29, 2014 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACH transfers
Replies: 14
Views: 985

Re: Kaiser vs Blue Shield

In one case, after stopping the statins, the tests went up a bit, and (by email) she suggested resuming a small dose. I of course don't know if you are male or female, and what location you use. However, I am really curious about the cholesterol test. Note that I hate the term "cholesterol.&qu...
by dm200
Thu Aug 28, 2014 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5066

Re: How to find a lawyer for estate planning?

We found a bad one as referred by an investment advisor whose information sessions we attended (but did not actually use the services of this investment advisor). Later, we found a good one because he had a radio show. From our experiences (and other information), let me make several suggestions of ...
by dm200
Wed Aug 27, 2014 10:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find a lawyer for estate planning?
Replies: 16
Views: 753

Re: What to consider while purchasing an existing business?

Maybe I have watched too many TV shows, but I would be concerned that she has signifcant unpaid gambling debts, and those to whom she owes money would assume that this "business" is still hers and that they would make "the owner" an "offer" you could not refuse (at the ...
by dm200
Wed Aug 27, 2014 9:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to consider while purchasing an existing business?
Replies: 48
Views: 3548

Re: Kaiser vs Blue Shield

At Kaiser it is five minutes to review the medical record, five minutes with the patient, and five minutes to write things up, order tests, etc. If you want to ask questions, you are basically out of luck. Additionally, if you want to ask questions via email you are really out of luck. That has not...
by dm200
Wed Aug 27, 2014 7:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5066

Re: Kaiser vs Blue Shield

We have had Kaiser for about 25 years. On the plus side you have total integration and efficiency. However, there are some negatives, but my complaints may pertain to the way medicine is practiced in general. And things may be worse at Blue Cross. At Kaiser it is five minutes to review the medical ...
by dm200
Wed Aug 27, 2014 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5066

Re: Kaiser vs Blue Shield

Just for the record, I had Kaiser as an HMO, using a capitation system. I believe this is the heart of the moral hazard problem, as there is a strong incentive to deny care and keep care dollars within the physician group. As I understand it, the physicians pocketed the money they did not spend on ...
by dm200
Wed Aug 27, 2014 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5066

Re: Kaiser vs Blue Shield

Kaiser plans, facilities and services differ in different areas. In the Washington DC area, Kaiser now has several "Urgent Care" facilities available 7 days a week, 24 hours a day. In my opinion, I would almost never go to a Hospital Emergency Room, but go to the Kaiser Urgent care facilit...
by dm200
Wed Aug 27, 2014 10:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5066

Re: Kaiser vs Blue Shield

At the risk of ruffling some feathers, I want to make one other point. During a three-year residency training period internal medicine folks spend all 36 months learning adult non-surgical medicine. During the same three years of residency training, family practice folks spend 36 months doing adult...
by dm200
Wed Aug 27, 2014 12:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5066

Re: Kaiser vs Blue Shield

But don't take my word for it or that of other posters, you can try it out easily-- the next time you see your PCP at Kaiser for a specific problem that may potentially be more serious, ask them if you can see a sub specialist at the local university hospital or expert center for a 2nd expert opini...
by dm200
Tue Aug 26, 2014 4:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5066

Re: Do vanguard funds compound monthly?

What is the length of compounding for vanguard funds? Daily, monthly, semi-annually or annually? I read somewhere that the more frequent the compounding the greater the effect of compounding over many years. Compounding in this sense does not apply to mutual funds. The value of a mutual fund is det...
by dm200
Mon Aug 25, 2014 11:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do vanguard funds compound monthly?
Replies: 11
Views: 1245

Re: Fidelity Charitable Fund Questions

No, the AAPL shares get converted to cash right away and the money is used to buy one of the funds in the DAF. We use total US stock market index fund and Total US Bond market index fund. It is not something you should worry about because by giving away the shares of AAPL, they are not yours anymor...
by dm200
Mon Aug 25, 2014 8:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Charitable Fund Questions
Replies: 31
Views: 1601

Re: Kaiser vs Blue Shield

I did not have a good experience with Kaiser. For years, I had severe symptoms that were consistently misdiagnosed, sometimes as one thing, sometimes as another. For a while they thought I had MS. What I actually had was a bad case of hypothyroidism, but Kaiser absolutely refused to put me on a tri...
by dm200
Mon Aug 25, 2014 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5066

Re: Fidelity Charitable Fund Questions

Another possible difference is how easy is it to "add" a charity. My spouse says that Fidelity is incredibly quick to check out and add an organization not in their database. I don't know about Vanguard. We have Fidelity and very recently wanted to make a $50 donation in memory of a recen...
by dm200
Mon Aug 25, 2014 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Charitable Fund Questions
Replies: 31
Views: 1601

Re: Agreement Regarding Vacation Property

Instead of the joint purchase (and all of the issues involved), what about the other couple (since they have the inside track) purchasing the property themselves (perhaps through an LLC or not). Then you and your wife do one or both: 1. Make a loan to the other couple, with the property as collatera...
by dm200
Mon Aug 25, 2014 1:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Agreement Regarding Vacation Property
Replies: 21
Views: 1522

Re: Kaiser vs Blue Shield

As much as I like Kaiser, as well as never having experienced (or perceived) being denied appropriate care/treatments/etc. because the cost would be too much (as determined by Kaiser), I believe there is that possibility. Why would this problem more likely to occur with Kaiser, as opposed to any ot...
by dm200
Sun Aug 24, 2014 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5066

Re: Health Insurance

Dear Bogleheads: I am retired with good health insurance (and good health, thank God) from my former company. For a time their less-generous plan worked well for my wife. But recently they changed it requiring a $1,000 deductible charge and 30% on bills thereafter. If my wife had any serious condit...
by dm200
Sun Aug 24, 2014 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance
Replies: 6
Views: 925

Re: Should I fix a "totaled" car

Not a car/mechanical expert, but I would consider/evaluate certain risks: 1. You repair it, drive for a period - then sell it (fully acknowledging the salvage title). Buyer "launders" the title and it is sold - not as "salvage". Purchaser could sue YOU for this (happened to a fri...
by dm200
Sun Aug 24, 2014 12:32 am
 
Forum: Personal Consumer Issues
Topic: Should I fix a "totaled" car
Replies: 32
Views: 2164

Re: Saving for a car

While there is no "perfect" or "right" answer that fits everyone, I suggest you consider adding that amount to a savings or money market account each month - and when the balance reaches a point where you could purchase a CD/certificate - purchase one with a maturity going out to...
by dm200
Sat Aug 23, 2014 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving for a car
Replies: 20
Views: 1592

Re: Kaiser vs Blue Shield

Paul wrote: I worry about the moral hazard of being both an insurance provider and the provider of medical services. The insurance side is all about cost-effective care for the group and being user-friendly. The medical side is one doctor making the best decision for the patient sitting on the exam...
by dm200
Sat Aug 23, 2014 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5066

Re: Power of Attorney

My Mom's "springing" POA in the Trust turned out to be a useless joke. Required two physicians (one of which being her purported "personal physician") to certify her incapable of handling her affairs. The closest she had to a "personal physician" was the gent who did h...
by dm200
Sat Aug 23, 2014 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Power of Attorney
Replies: 32
Views: 2615

Re: Kaiser vs Blue Shield

Just a short comment. There are lots of anecdotal stories about service problems and bad/delayed diagnoses at Kaiser that have been passed around for years. I have no doubt that they are for the most part true and not exaggerated. Those incidents have to be weighted again a medical care history tha...
by dm200
Fri Aug 22, 2014 11:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5066

Re: What to consider while purchasing an existing business?

Run (don't walk) away!

Any one of these would be sufficient, in my opinion:

- Gambling

- She's Crazy

- Marital issues with current husband

- Risk of unknown liabilities (some of which may be 'debts' to bookies, etc.)

Help your wife start her own business, if having a business is what you want.
by dm200
Fri Aug 22, 2014 10:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to consider while purchasing an existing business?
Replies: 48
Views: 3548

Re: What to consider while purchasing an existing business?

Two issues to consider: 1. Would a change of "ownership" trigger any kind of change at all in the rent/lease? 2. If you make the purchase, what are the actual (or potential) liabilities you take on? Presumably the lease (check with the landlord) would be an obligation. Suppose she has pled...
by dm200
Fri Aug 22, 2014 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to consider while purchasing an existing business?
Replies: 48
Views: 3548

Re: Why do we tip restaurant servers?

In my opinion, there are multiple reasons for this practice (not necessarily in order of importance): 1. That is the way it has been done for a very long time in the U.S. 2. To a degree, working primarily for TIPS is an incentive or motivator that rewards doing more work and higher quality work. Pay...
by dm200
Fri Aug 22, 2014 5:12 pm
 
Forum: Personal Consumer Issues
Topic: Why do we tip restaurant servers?
Replies: 44
Views: 2202

Re: What to consider while purchasing an existing business?

I cannot remember his name now, but a few years ago there was a radio call in show host (had a deep voice, as I recall) on financial/investment matters. He often received calls from folks about purchasing a business (just like your question) - and he would walk them through a few questions - such as...
by dm200
Thu Aug 21, 2014 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to consider while purchasing an existing business?
Replies: 48
Views: 3548

Re: Power of Attorney

In my experience, I found the POA to be of limited use. Financial institutions would not accept them and insisted on having a new one executed on their paper. In addition, there was always a question about the age of the POA. In our specific case, in consultation with an attorney, we found the comb...
by dm200
Thu Aug 21, 2014 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Power of Attorney
Replies: 32
Views: 2615

Re: Company car versus personal car for business

Thank you! I appreciate the responses. The Maxima is 2011 and I owe $22k with dealer buy back around $16k. I know it's a classic underwater situation. The sunken cost fallacy makes sense in that keeping the vehicle, making payments for auto and insurance just prolongs the situation. I was hoping fo...
by dm200
Thu Aug 21, 2014 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Company car versus personal car for business
Replies: 9
Views: 1036

Re: Kaiser vs Blue Shield

I appreciate the responses of Kaiser-supportive folks with chronic disease problems, and glad to hear that they are happy with their care. As for the article on Kaiser’s focus on chronic disease management, it makes sense to me that a true HMO would see the logic of this approach and actively explo...
by dm200
Thu Aug 21, 2014 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5066

Re: Credit Union(s) Lowering rate on existing certificate (C

Perhaps "theoretical" was not the best word to use. My point was that the thread title implied that a credit union had actually lowered rates on existing CDs. They have previously changed EWPs, but your thread title is about rates. I rise in support of dm200. A higher E(arly)W(ithdrawal)P...
by dm200
Thu Aug 21, 2014 12:46 am
 
Forum: Investing - Theory, News & General
Topic: Credit Union(s) Lowering rate on existing certificate (CD)
Replies: 10
Views: 1388

Re: Best way to control someones account.

I have no first hand experience, but in two cases of close family (residents of NY State), my brother was an executor and handled the probate process, involving an attorney for jut a few matters. My observation (and participation in different degrees) was that, for him and these 'estates' (one of s...
by dm200
Thu Aug 21, 2014 12:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Best way to control someones account.
Replies: 22
Views: 1834

Re: Best way to control someones account.

I am going to go against some of the advice I see here. I believe that there is no great risk in having a joint checking account with them. This allows you all powers, with only a very tiny risk for them of possibly losing a little money if you are successfully sued, since most people only keep a f...
by dm200
Wed Aug 20, 2014 11:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best way to control someones account.
Replies: 22
Views: 1834

Re: Power of Attorney

Just sayin', many, many banks will not honor POA's that have not been drafted to their specifications. Lots of fraud has been perpetuated with POA's and banks take a CYA attitude so avoid such problems and the litigation that inevitably follows. Depending on current state law, requiring a specific ...
by dm200
Wed Aug 20, 2014 11:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Power of Attorney
Replies: 32
Views: 2615

Re: Company car versus personal car for business

I'm in a bit of a dilemma. My company provided me with a vehicle for business use. I had recently purchased a vehicle that has a market value of about $6k below what I owe. I've had it on the market for 3 months with no interest. Are there any recommendations? It's a Nissan Maxima which I love but ...
by dm200
Wed Aug 20, 2014 7:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Company car versus personal car for business
Replies: 9
Views: 1036

Re: Quickest Way to Deposit a Large Sum with Vanguard

Here is MY understanding of the meanings:

Electronic transfer includes both ACH and wires.

Wire transfer is normally final and not reversible, so you normally have access to the funds more quickly.
by dm200
Wed Aug 20, 2014 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quickest Way to Deposit a Large Sum with Vanguard
Replies: 22
Views: 2492

Re: Best way to control someones account.

On another note, I have read some painful stories regarding probate. If I have appropriate asset allocation set up, I don't mind that I would not have access for a month or two. Can probate actually take longer? In Missouri a full probate is minimum of six months because that's the required time be...
by dm200
Wed Aug 20, 2014 7:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best way to control someones account.
Replies: 22
Views: 1834

Re: Best way to control someones account.

POA may be a bit to much today. It looks like an agent authorization would be the easiest choice for today, with a POA in the future. On another note, I have read some painful stories regarding probate. If I have appropriate asset allocation set up, I don't mind that I would not have access for a m...
by dm200
Wed Aug 20, 2014 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best way to control someones account.
Replies: 22
Views: 1834

Re: Credit Union(s) Lowering rate on existing certificate (C

You should probably emphasize that this is theoretical and hasn't actually happened. I am glad to see that despite your strong support of credit unions, you don't make excuses for them when they act as dirty as a bank. 1. The (I believe) very related issue of some credit unions changing the Early W...
by dm200
Wed Aug 20, 2014 7:29 pm
 
Forum: Investing - Theory, News & General
Topic: Credit Union(s) Lowering rate on existing certificate (CD)
Replies: 10
Views: 1388

Re: Kaiser vs Blue Shield

My wife and I (and our son, before he aged out) have been on Kaiser (Washington DC area) for about half of the last almost 40 years. The only reason we ever left Kaiser was due to employment change where Kaiser was not an option. I am back on Kaiser's Medicare plan - and my wife has a Kaiser ACA pla...
by dm200
Tue Aug 19, 2014 11:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5066

Re: Becoming full time student from employment and ACA

I looked some more at healthcare.gov -- and, the way I interpret it, COBRA may be an issue. If you enroll on an exchange (healthcare.gov) and your COBRA is expiring (or has expired), you can sign up any time of the year (do not need to wait for open enrollment). However, if you have COBRA eligibili...
by dm200
Sun Aug 17, 2014 11:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Becoming full time student from employment and ACA
Replies: 10
Views: 805

Re: Getting (more) accurate readings from scale

The body fat % scales are notoriously inaccurate. If your feet are wet, then inaccurate is not the word. Perhaps not even close? It might be helpful as a general tren if you are on a diet. On the whole, if you want your body fat %, then gest some calipers to measure skin fold. Mike But - (at least ...
by dm200
Sun Aug 17, 2014 11:55 pm
 
Forum: Personal Consumer Issues
Topic: Getting (more) accurate readings from scale
Replies: 11
Views: 1089
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