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Re: COBRA, ACA, etc?

I believe (but not 100% sure) that there may be some restrictions or conditions of starting COBRA - then (while still eligible for COBRA) moving to Obamacare.
by dm200
Mon Apr 27, 2015 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: COBRA, ACA, etc?
Replies: 5
Views: 292

Re: Medical...Copayment vs Coinsurance

Got a new job that offers health insurance. I currently pay $359/month for my individual plan with a $20 copay for primary care and $50 for specialist. New company cost is $304/month and it's pre-tax vs my post tax cost for the individual plan so I figure its a no brainer to switch, but they new pl...
by dm200
Mon Apr 27, 2015 9:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical...Copayment vs Coinsurance
Replies: 3
Views: 215

Re: Mother to move closer to family but farther from friends

There are many aspects to this decision. About 20 years ago or so, my late mother-in-law (after her husband's death) got this idea that she would like to move to be near my wife and I and our now grown son. This is about 400 miles and 4 or 5 states. My wife's sister lived and still lives in the area...
by dm200
Mon Apr 27, 2015 7:12 pm
 
Forum: Personal Consumer Issues
Topic: Mother to move closer to family but farther from friends?
Replies: 13
Views: 1170

Re: What are some financial strategies to help the poor?

Some of my opinions , primarily based on experience with many in similar situations (not necessarily in order of importance): 1. There is no one approach/strategy that will work for everyone. Try to work in the environment that the target individuals find themselves. 2. "Behavioral Finance"...
by dm200
Mon Apr 27, 2015 7:01 pm
 
Forum: Investing - Theory, News & General
Topic: What are some financial strategies to help the poor?
Replies: 24
Views: 1177

Re: Does a home mortgage use Simple or Compund Interest?

At the risk of, again, "beating a fallen horse" - let me give an actual example of different legal/regulatory conclusions of the calculation of an "Annual Percentage Rate" of a loan. This is not a mortgage type loan, but a "standard" credit union type loan. Let's say yo...
by dm200
Mon Apr 27, 2015 4:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does a home mortgage use Simple or Compund Interest?
Replies: 136
Views: 11363

Re: Does a home mortgage use Simple or Compund Interest?

Can someone explain how a home mortgage loan, fixed rate, works please? Is it simple interest or compund and if its compund would that be daily compound or something else? Thank you Someone bumped my blog post on this topic. I just noticed after 100+ replies there didn't seem to be a clear conclusi...
by dm200
Mon Apr 27, 2015 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does a home mortgage use Simple or Compund Interest?
Replies: 136
Views: 11363

Re: family cabin planning through generations

However the "ownership" of the cabin is done, one (in my opinion vital) matter/issue to address is any kind of possible/potential liability of ownership/use. I suspect the kind(s) of insurance available and appropriate may depend on the details of ownership/use as well. I would not "a...
by dm200
Mon Apr 27, 2015 1:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: family cabin planning through generations
Replies: 10
Views: 1207

Re: $139 lease for EV, $0 down, 39 month lease Chevy Spark

What do you guys think? https://www.yahoo.com/autos/will-low-lease-deals-get-shoppers-to-give-electric-116965059652.html Read the article, but am very puzzled how this can make sense. Assuming a purchase price of $27,000 - even at zero interest rate - it would take 195 months to amortize this, and ...
by dm200
Fri Apr 24, 2015 10:02 pm
 
Forum: Personal Consumer Issues
Topic: $139 lease for EV, $0 down, 39 month lease Chevy Spark
Replies: 46
Views: 3120

Re: $139 lease for EV, $0 down, 39 month lease Chevy Spark

I don't really understand what the target market is for these 60-80 mile range vehicles. I guess it's people with short commutes? But surely even these people occasionally want to travel longer distances. To me, it seems to make a lot more sense to get a hybrid or a very efficient ICE car. Keep in ...
by dm200
Fri Apr 24, 2015 11:36 am
 
Forum: Personal Consumer Issues
Topic: $139 lease for EV, $0 down, 39 month lease Chevy Spark
Replies: 46
Views: 3120

Re: $139 lease for EV, $0 down, 39 month lease Chevy Spark

What do you guys think? https://www.yahoo.com/autos/will-low-lease-deals-get-shoppers-to-give-electric-116965059652.html Read the article, but am very puzzled how this can make sense. Assuming a purchase price of $27,000 - even at zero interest rate - it would take 195 months to amortize this, and ...
by dm200
Fri Apr 24, 2015 11:33 am
 
Forum: Personal Consumer Issues
Topic: $139 lease for EV, $0 down, 39 month lease Chevy Spark
Replies: 46
Views: 3120

Re: 1 day in San Francisco, no car

It has been many years now, but my wife, (then) young son and I stopped for part of a day in San Francisco on a drive around part of the state. We took a several hour bus tour of many of the interesting aspects of the city. Definitely was a good way to get a lot out of a short time in the city.
by dm200
Thu Apr 23, 2015 6:09 pm
 
Forum: Personal Consumer Issues
Topic: 1 day in San Francisco, no car
Replies: 29
Views: 1389

Re: Indexing is why corporate earnings are down

All those TV networks and cable channels have to fill the time with something, whether it is financial, medical, health, weight loss, erictile problems, cancer cures, exercise, prescription drugs, and so on. This is one reason I have stopped regulat TV viewing. Most of such stuff (in my opinion) is ...
by dm200
Wed Apr 22, 2015 3:15 pm
 
Forum: Investing - Theory, News & General
Topic: Indexing is why corporate earnings are down
Replies: 5
Views: 728

Re: Neighbor is hoarder, piling garbage outside, collecting

I suspect that there might be some entity of the municipality or County or town that could be of assistance. it might be code enforcement, human services or some other person/department. In the local government where I live, there are building insprctor type folks who respond to neighbor complaints,...
by dm200
Mon Apr 20, 2015 10:05 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor is hoarder, piling garbage outside, collecting vans
Replies: 32
Views: 4714

Re: Social Security Windfall Elimination Provision

Does WEP applies to just foreign government pension? I read somewhere that there has been congressional action to not get the law to apply to tiny pension but nothing got passed. No, the WEP calculations apply for just about any wages/salary for which Social Security taxes are not withheld/paid. Th...
by dm200
Mon Apr 20, 2015 9:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Windfall Elimination Provision
Replies: 27
Views: 5406

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

Open a bunch of bank and credit union accounts. Lots of them offer free $1K life insurance policies. As I posted above (and I am in this general type of business), ALL (that I have seen of heard of) such "free" $1K life insurance policies are "AD&D" (accidental death and dis...
by dm200
Mon Apr 20, 2015 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to Help Parents - No EOI Life Insurance?
Replies: 22
Views: 1543

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

Speaking from the point of view of a patient of a Physician - employed full time by my HMO - I would want that Physician to be fully devoted/dedicated to that full time employment - and not be distracted or overburdened by "moonlighting". That being said, I would not mind if such "moo...
by dm200
Mon Apr 20, 2015 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6082

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

I think (again) that many/most responses are wandering far off the course of the original post. That post (as I read it) has NOTHING to do with being bound to a non-compete AFTER leaving an employer. It has all to do with other employment while being employed full time by that employer. It has been ...
by dm200
Sun Apr 19, 2015 5:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6082

Re: mandatory 17% tip at a buffet

No firsthand experience on the restaurant end - but it is my understanding (as well as some experience with groups) that many times the TIPs from groups can be rather small, while the work involved in dealing with such groups is not less, but often more. Never been to Las Vegas, so I cannot comment ...
by dm200
Sun Apr 19, 2015 11:31 am
 
Forum: Personal Consumer Issues
Topic: mandatory 17% tip at a buffet
Replies: 32
Views: 3527

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

As for increased life insurance, the credit unions often have a $1,000 or $3,000 free policy for all their members, assuming they fill out the paperwork. Probably not (read all of the 'fine print'). What a lot of credit unions (and many banks as well) DO offer is a $1,000 (could be more) FREE AD&am...
by dm200
Sun Apr 19, 2015 12:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Trying to Help Parents - No EOI Life Insurance?
Replies: 22
Views: 1543

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

would your mom belong to any credit unions? my credit union gives 10K in death insurance I believe -- hoping to get you to buy more--if you have an account with it I seriously doubt it. Please check/verify any and all of the "fine print". Many years ago, a large percentage of credit union...
by dm200
Sat Apr 18, 2015 11:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to Help Parents - No EOI Life Insurance?
Replies: 22
Views: 1543

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

Whatever the profession, a prohibition from employment/compensation from a competitor while employed is both very, very common and (IMO) 100% reasonable. Generally (as I understand) the issue of a "non-compete" applies after leaving one employer and not being able to be employed then by a ...
by dm200
Sat Apr 18, 2015 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6082

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

1973 Volvo 144E (4 speed manual transmission) NEVER ran right. Engine skipped on and off, and never ran completely smoothly for any significant period of time. Air conditioner unit fell off once. One or two (can't remember exactly) broken clutch cable. Stranded me is difficult/awkward times and situ...
by dm200
Sat Apr 18, 2015 1:00 pm
 
Forum: Personal Consumer Issues
Topic: What Is The Worst Car You Have Ever Owned?
Replies: 39
Views: 1770

Re: mandatory 17% tip at a buffet

In the past, I was a more frequent customer at "all you can eat" buffets - and the servers often seemed to do as much work as a server in a sit down restaurant for a basic meal. At many buffets, the server takes and delivers drink order/refills, takes away dishes (sometimes 2, 3 or 4 times...
by dm200
Sat Apr 18, 2015 12:55 pm
 
Forum: Personal Consumer Issues
Topic: mandatory 17% tip at a buffet
Replies: 32
Views: 3527

Re: Can existing employer require new credit report every ye

While it's true they are more likely to want to monitor credit if you are in a finance occupation or something else that involves regulatory oversight I don't see how a change in your credit situation could serve as a basis for anything job related. People in financial trouble are more likely to se...
by dm200
Sat Apr 18, 2015 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can existing employer require new credit report every year?
Replies: 37
Views: 3186

Re: Can existing employer require new credit report every ye

I believe it is reasonable for financial institutions to have such a requirement
by dm200
Fri Apr 17, 2015 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Can existing employer require new credit report every year?
Replies: 37
Views: 3186

Re: Can existing employer require new credit report every ye

An employment credit report does not affect credit score. It is not permissible to pull a consumer credit report for an employment purposes. So are you saying that an employment credit report is different from a consumer credit report? How? Yes, I believe there may be some differences - but cannot ...
by dm200
Thu Apr 16, 2015 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can existing employer require new credit report every year?
Replies: 37
Views: 3186

Re: Can existing employer require new credit report every ye

An employment credit report does not affect credit score. It is not permissible to pull a consumer credit report for an employment purposes.
by dm200
Thu Apr 16, 2015 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can existing employer require new credit report every year?
Replies: 37
Views: 3186

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

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


I agree about the risks of driving, but I make 100% sure I carry the necessary and appropriate insurance coverage.
by dm200
Mon Apr 13, 2015 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting married-do I really need a will?
Replies: 26
Views: 2030

Re: Live in house free or buy it?

The person who was willed the house isn't putting any pressure for any action. She's happy leaving it as is . I was worried about what would happen if she passed and what would happen to the property - as were several of the responses. I strongly recommend NOT leaving the title/ownership in the nam...
by dm200
Mon Apr 13, 2015 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Live in house free or buy it?
Replies: 12
Views: 1247

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

If you earned unemployment income, what state do you pay taxes on that unemployment income to? a) The state that you were a resident of when earning the unemployment b) The state that actually provided you with the unemployment income That is, assuming of course, that state (a) is a different state...
by dm200
Mon Apr 13, 2015 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: What state do you pay unemployment income states taxes to?
Replies: 2
Views: 298

Re: Live in house free or buy it?

While it is difficult to know the future, I have heard of several "horror stories" where a house has been left in the name of deceased person(s) for years (many decades in one case) and ended up being either a disaster or a complicated/expensive mess to straighten out. What is not clear to...
by dm200
Sun Apr 12, 2015 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Live in house free or buy it?
Replies: 12
Views: 1247

Re: Planning Washington DC Sightseeing

While Udvar-Hazy (Air and Space at Dulles) is cool, keep in mind that it is really an annex of all the planes that are cool to see, but there wasn't room for on the mall. The smaller particularly historical stuff and the great exhibits are at the main Air and Space museum on the mall. You aren't sp...
by dm200
Sun Apr 12, 2015 10:38 am
 
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 2849

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

The estate planning attorney that did our most recent wills, etc. gives an actual case of why almost everyone needs a will. This is a case of a recently married couple - with no will. [I may have the husband and wife detail backwards]. Newly married couple. Neither has a will. Husband has significan...
by dm200
Sat Apr 11, 2015 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting married-do I really need a will?
Replies: 26
Views: 2030

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

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

I suggest that you don't believe TurboTax.


Sounds like "April Fool" ;)
by dm200
Fri Apr 10, 2015 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax states "New York has no income tax"?
Replies: 16
Views: 1383

Re: Planning Washington DC Sightseeing

The 2 Children are in range 4 years to 12 years. Plan: * Hotel: Near silver line station Wiehle-Reston East, 1862 Wiehle Avenue Reston VA 20190, hotwire.com, Pool, 3 star * Day 1: Drive to hotel * Day 2: ~ 7 miles, Drive, National Air and Space museum near Dulles airport * Day 3: ~ 2 miles, Hotel s...
by dm200
Fri Apr 10, 2015 3:18 pm
 
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 2849

Re: Accrued dividends: What happens when you sell?

Can someone please tell me what happens when you sell a bond fund in the middle of the month? Do I still get the accrued dividend or are those lost? Thanks! If you do not sell the entire balance, and if this is a fund that distributes dividends monthly - you will receive the accrued dividends as pa...
by dm200
Thu Apr 09, 2015 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Accrued dividends: What happens when you sell?
Replies: 8
Views: 1025

Re: Planning Washington DC Sightseeing

Hotel search: hotels.com $134 Sheraton Reston Hotel 11810 Sunrise Valley Dr Reston VA 20191 1.4 miles to Silver line station Wiehle-Reston East 7.1 miles to National Air and Space museum near Dulles airport That's a 40+ minute metro ride into the city, just so you know. That may or may not be an is...
by dm200
Thu Apr 09, 2015 3:47 pm
 
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 2849

Re: trading cars with parents

The details of the "best" way to do this vary (perhaps significantly) by state. Check with your state DMV about when (and how much) sales tax may be due under different scenarios. Often (but not always) transfers/gifts between close famiy members are not subject to sales tax. One scenario ...
by dm200
Tue Apr 07, 2015 12:18 pm
 
Forum: Personal Consumer Issues
Topic: trading cars with parents
Replies: 13
Views: 1345

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

BTW is there any good way to get your FICO score without spending $50 on Experian? Maybe. Find a "friendly" credit union, that you are eligible to join. Join the credit union and, possibly, apply for a loan. No guarantees, but they might be willing to tell you your score - even if you do ...
by dm200
Tue Apr 07, 2015 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 60
Views: 3354

Re: Battery or Gas Lawn Mower

Is an electric mower (with a cord) not practical? We have a small yard, front and back, and when our last gas mower dies, we got an electric one (with a cord) - much better, overall.
by dm200
Tue Apr 07, 2015 12:03 pm
 
Forum: Personal Consumer Issues
Topic: Battery or Gas Lawn Mower
Replies: 33
Views: 2105

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

Just one more comment/question - With any such rental, wouldn't it (or shouldn't it) be normal and routine to check (or have someone check) the exact condition of the place and (to the degree necessary) prepare the place for the next renter? The place might be left in good condtion (all within the l...
by dm200
Tue Apr 07, 2015 11:57 am
 
Forum: Personal Consumer Issues
Topic: VRBO rental gone awry- recourse for security deposit?
Replies: 50
Views: 5030

Re: Buy a condo for college student or rent?

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


Not necessarily. ;)

... and THAT is what would concern me (as a parent).
by dm200
Mon Apr 06, 2015 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college student or rent?
Replies: 34
Views: 3082

Re: Family member asking for money

Wow, I wonder if there is a bogle head "scrooge" award "Bob Cratchit that's the third time you've asked for money for a new crutch for Tiny Tim!!! TELL that little welfare cheat to stop growing!!! In my extended family we have had 5 disabled handicapped children. The costs can be ove...
by dm200
Mon Apr 06, 2015 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 141
Views: 13617

Re: Buy a condo for college student or rent?

She doesn't want to live in dorm. One of the first questions I would ask is "Why not?" Then, BEFORE even getting into the buy or rent issue/question, evaluate the pros and cons (from your position as parent) whether not living in a dorm makes sense (primarily from an educational point of ...
by dm200
Mon Apr 06, 2015 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college student or rent?
Replies: 34
Views: 3082

Re: Family member asking for money

One possibility (just a wild stab/idea) is that (for one or more various reasons) the brother-in-law may not be utilizing or optimally using medical benefits (and related) that either are (or could be) used. Any of the possibilities posted here could be true (as well as some others) - and there are ...
by dm200
Mon Apr 06, 2015 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 141
Views: 13617

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

Very "interesting"! All this over a bag or two of trash! One "detail" I don't understand is how and when did the owners find out about this? Obviously, they did not drive all the way there just to check up on you and the trash? Or did they? Did they (or would they) drive all that...
by dm200
Sun Apr 05, 2015 6:51 pm
 
Forum: Personal Consumer Issues
Topic: VRBO rental gone awry- recourse for security deposit?
Replies: 50
Views: 5030

Re: Principal variations on a fixed rate HELOC?

Thank you dm200, this is very helpful and thoughtful. I guess my notion of the fixed interest came from when they said the rate was fixed, the principal was fixed, and term was fixed. I would pay $480.22 for 240 months. In the end, is there any advantage to paying this on the 15th of each month ins...
by dm200
Sun Apr 05, 2015 1:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Principal variations on a fixed rate HELOC?
Replies: 6
Views: 379

Re: Principal variations on a fixed rate HELOC?

It was explained to me as a fixed-rate loan (with fixed rate interest and fixed 20 year term). Apparently I was misinformed. No - your interest rate, apparently, is fixed for the term of the loan (as you explain it). Nothing you have posted indicates that you were "misinformed" (don't kno...
by dm200
Sun Apr 05, 2015 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Principal variations on a fixed rate HELOC?
Replies: 6
Views: 379

Re: Early Withdrawal from CD's

Although I believe almost all banks and credit unions will honor their Truth In Savings disclosures concerning the ability to redeem a CD (or certificate at a credit union) and the penalty for doing so, as well as whether an early withdrawal could eat into principal and whether accrued or unposted i...
by dm200
Fri Apr 03, 2015 8:20 pm
 
Forum: Investing - Theory, News & General
Topic: Early Withdrawal from CD's
Replies: 2
Views: 460
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