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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: 844

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: 1878

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: 1878

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: 70
Views: 4305

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: 1047

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: 70
Views: 4305

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: 70
Views: 4305

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: 2695

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: 1878

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: 11058

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: 2695

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: 11058

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: 2695

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: 2601

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: 2695

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: 2695

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: 4054

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: 1288

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: 7755

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: 4581

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: 7755

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: 3495

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: 7755

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: 4581

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: 3495

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: 4581

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: 3495

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: 4031

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: 4031

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: 3495

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: 4031

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: 4581

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: 4581

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: 4581

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: 984

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: 1253

Re: Math Help: Paying Home Mortgage Early?

ubermax wrote:Depends on how long you've had the loan - just got it, I vote 180 months - HP 12C calculator


No, it will take longer because the loan has an interest rate of 3.75%, while the actual 15 year loan (180 months) has a rate of 3.25%.
by dm200
Wed Sep 10, 2014 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Math Help: Paying Home Mortgage Early?
Replies: 16
Views: 1253

Re: Math Help: Paying Home Mortgage Early?

If I have a 20 year mortgage (at 3.75%) and I make payments as if it was a 15 year mortgage (at 3.25%), how quickly would I be able to pay off the 20 year mortgage? Am I doing this math correctly? $1,651.27 per month (not including taxes) is the 15 year payment $1,393.29 per month (not including ta...
by dm200
Wed Sep 10, 2014 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Math Help: Paying Home Mortgage Early?
Replies: 16
Views: 1253

Re: Recommended Mortgage Lenders

We have been very pleased with Navy Federal Credit Union (if eligible to join). I would also consider Pentagon Federal Credit Union.
by dm200
Tue Sep 09, 2014 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recommended Mortgage Lenders
Replies: 11
Views: 940

Re: contingent beneficiary for life insurance

When my wife and I last did wills, POAs, etc., our wills each created a testamentary trust in the event the other spouse was deceased. That testamentary trust would then receive the proceeds from the estate. At the time, our son was still a minor - so the testamentary trust would have been the vehic...
by dm200
Tue Sep 09, 2014 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: contingent beneficiary for life insurance
Replies: 8
Views: 564

Re: Employer finding out you have a financial cushion?

I have also heard that prospective employers for many kinds of positions may not want to hire someone who is so financially well off that the person does not care about doing a good job and can just walk away whenever they please.
by dm200
Sun Sep 07, 2014 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Employer finding out you have a financial cushion?
Replies: 62
Views: 6129

Looking for Bank in Haiti accepting US $ deposits

In relation to a (U. S. based) cause/organization I have some relationship with, we are looking for a bank (or financial institution) in Port Au Prince, Haiti that will accept a Cashiers Check (in U.S. Dollars) for deposit and, within s few days, exchange funds to Haitian funds. Any information, ide...
by dm200
Sun Sep 07, 2014 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for Bank in Haiti accepting US $ deposits
Replies: 1
Views: 255

Re: Vanguard Lost $50k

I am not minimizing losing track of $50,000 - but I would not close my account over this. I would be as near certain as I can be that this will be resolved very soon. From the description and facts as presented, this may not even be a Vanguard error. I would also be confident that any alternative to...
by dm200
Sun Sep 07, 2014 1:53 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10728

Re: 1.99% Unsecured "AnythingLoan"

So why not borrow from a 401(k) to do the same thing? Any interest paid on the 401(k) loan goes into your own pocket. There is usually a setup fee and small quarterly fee that goes to servicing the loan, but it is cheaper that what you did for something that is a sure thing. It is my VERY strong op...
by dm200
Fri Sep 05, 2014 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1.99% Unsecured "AnythingLoan" READ UPDATE 9-10-14
Replies: 48
Views: 4984

Re: Coin Counting Machines

No one else needs their quarters for the laundromat? Just me then? :( Other coins went to TD Bank when their counting machines were for everyone. Now that they're for account-holders only it's the Coinstar machine for Amazon credit. It has been a few years since I have seen a Laundromat accept coin...
by dm200
Fri Sep 05, 2014 7:53 pm
 
Forum: Personal Consumer Issues
Topic: Coin Counting Machines
Replies: 58
Views: 4042

Re: Do my in-laws need a will?

Would you please help me understand what situations require the power of attorney's for a spouse? For medical/treatment issues, it is my understanding that, in many cases, where the ill person cannot express his/her desires for treatment or non-treatment, an advanced medical directive may be requir...
by dm200
Thu Sep 04, 2014 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Do my in-laws need a will?
Replies: 26
Views: 1849

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

Whole Foods tends to be 2-3x the price of nearly ANY grocery store. It's well known as "whole paycheck." But I will add that their meats and produce are absolutely top-notch. You pay for it, but it's that good. It's by far the most expensive grocery store I've ever shopped at, including b...
by dm200
Wed Sep 03, 2014 9:32 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 11058

Re: Coin Counting Machines

I went into my bank branch today to use one of their counting machines...it's a free service for customers...great machines, throw your coins on the belt, the machine counts them and spits out a receipt that you take to the window to be credited to your account...except they pulled all the machines...
by dm200
Wed Sep 03, 2014 2:28 pm
 
Forum: Personal Consumer Issues
Topic: Coin Counting Machines
Replies: 58
Views: 4042

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

I just had to jump in to say that I am a huge fan of Costco, I absolutely love shopping there. For me, price would be of no object as far as Costco membership is concerned. And if I end up starting my own medical practice, I want to offer employees free Costco membership as a perk. It's just a high...
by dm200
Wed Sep 03, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 11058

Re: Alzheimer's and Prenup

I also suggest/urge consulting an attorney experienced, in your state, with estate and related matters. Several issues would concern me. One question is whether his will, POA, etc. are affected by the subsequent marriage. Another issue/risk relates to his will (that you have not seen). That will (ev...
by dm200
Wed Sep 03, 2014 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alzheimer's and Prenup
Replies: 20
Views: 2971
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