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Re: Options/guidance for a lazy person to be fit

7. Get cholestrol tested. If that doesn't wake you up, nothing will. My "wake up" was fasting blood sugar at 119, and Dr said, "Hmmm. 119 - pre-diabetes?" Scared the hell out of me - even though it went down to 100 in a few weeks - That got me started in weight loss, eating heal...
by dm200
Tue Jul 22, 2014 9:29 pm
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 74
Views: 4709

Re: Options/guidance for a lazy person to be fit

You'll have to change both diet and excercise habits - it's good that you understand how you're going downhill faster and faster. Read this book: Younger Next Year: Live Strong, Fit, and Sexy - Until You're 80 and Beyond by Chris Crowley and Henry S. Lodge We've bought copies for about 15 people we...
by dm200
Sun Jul 20, 2014 12:14 am
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 74
Views: 4709

Re: Tenant request lease agreement is named in LLC?

Thanks for all of your input! Your feedback has been very helpful. As way of additional information, this is for a residential apartment. My potential tenant came to me from a credible source but is not someone I know personally. However, based on background research, this person is someone with si...
by dm200
Sat Jul 19, 2014 11:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tenant request lease agreement is named in LLC?
Replies: 17
Views: 2076

Re: Purchasing Food at Work

A few years ago, I almost always went out to lunch (regular day job), usually to a lunch buffet. It was certainly more costly than bringing something - but for my "mental health" at that job, I really needed to get away from the office during the middle of the day.
by dm200
Sat Jul 19, 2014 11:05 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing Food at Work
Replies: 41
Views: 3945

Re: Tenant request lease agreement is named in LLC?

Anyone have experience in an apt rental lease agreement where the Lessee/tenant is an LLC rather than the the name of the actual tenant? Any disadvantages or things to consider as the landlord? Thanks in advance! In my opinion, it is fine to name the LLC in the lease. BUT - have the principals of t...
by dm200
Fri Jul 18, 2014 6:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tenant request lease agreement is named in LLC?
Replies: 17
Views: 2076

Re: Does this loan repayment schedule make sense?

I do not know the particular rules for student loans, but a very important factor (in my opinion) going into the decision to pay more than the required payment on any loan is whether paying more now will or might reduce the regular, required future payments. Some lenders and some kinds of loans are ...
by dm200
Fri Jul 18, 2014 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does this loan repayment schedule make sense?
Replies: 9
Views: 454

Re: Hospital bill negotiation

This is a great topic that I will file away for future use. We (DW and I ) have had one experience in dealing with disagreeing with our doctor's bill. I reviewed the bill (minor female type surgery) and right away I disagreed with some of the charges. (Please don't ask what the disagreement was.......
by dm200
Fri Jul 18, 2014 1:26 pm
 
Forum: Personal Consumer Issues
Topic: Hospital bill negotiation
Replies: 48
Views: 3877

Re: Hospital bill negotiation

This is a great topic that I will file away for future use. We (DW and I ) have had one experience in dealing with disagreeing with our doctor's bill. I reviewed the bill (minor female type surgery) and right away I disagreed with some of the charges. (Please don't ask what the disagreement was.......
by dm200
Fri Jul 18, 2014 1:26 pm
 
Forum: Personal Consumer Issues
Topic: Hospital bill negotiation
Replies: 48
Views: 3877

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

Hi all... Am thinking of giving some money to friend to pay auto loan before bankruptcy! Is it good idea? Pls help fellas! You have a good heart. But learn from the cosign mistake first, then do not make the cash loan mistake afterwards. Unless you're OK with not seeing that money again - you're he...
by dm200
Fri Jul 18, 2014 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm cosigner .. Friend thinking of bankruptcy .. Pls help
Replies: 64
Views: 7203

Re: Dad had a whole life policy but it sounds like term life

Gambler wrote:my dad passed away (age 73).

apparently he was still paying $200/month for a whole life policy (Met Life) thru his company.
the policy is worth $60k upon his death.

but if its a constant $60k, isn't that term life?


No.
by dm200
Thu Jul 17, 2014 10:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dad had a whole life policy but it sounds like term life?!
Replies: 9
Views: 797

Re: Purchasing Food at Work

Many years ago, I worked nights (10:00pm - 6:30) a number of months (almost a year) and I never did get the meals/eating balance and right. For a while, I ate 4 meals a day (and gained some weight). I would eat a big "breakfast" in the morning when I got off, often "lunch" midday...
by dm200
Thu Jul 17, 2014 10:52 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing Food at Work
Replies: 41
Views: 3945

Re: Ways to help daughter financially? (property, tax, and e

Greetings from a long time lurker! I'm comfortably retired in California and have a hardworking adult daughter living nearby that's struggling with the high cost of living in the area. I already gift her the maximum exclusion amount annually ($14k). I have a rental house in the area generating a fa...
by dm200
Wed Jul 16, 2014 10:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ways to help daughter financially? (property, tax, and estat
Replies: 9
Views: 1187

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

bottlecap wrote:I didn't notice the "we.". YOU should consult your own attorney. If your friend files bankruptcy, he will get his own, who won"t give two cents about your situation.

JT


absolutely true...
by dm200
Wed Jul 16, 2014 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm cosigner .. Friend thinking of bankruptcy .. Pls help
Replies: 64
Views: 7203

Re: Hospital bill negotiation

Conversations with the state, then regional insurance office went nowhere, so I ended up dealing with an RN in Washington, DC. She understood the situation immediately and got everything straightened out, so I didn't have to pay a $2400+ invoice. In my experience over the years, dealing with a heal...
by dm200
Wed Jul 16, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Hospital bill negotiation
Replies: 48
Views: 3877

Re: Hospital bill negotiation

Goblue97 wrote:Friends,
Any ideas on how to negotiate a hospital bill?
Thanks!


More details needed. Insured or not insured. Size of the bill. Reason(s) or justification for negotiating. Past due or not? and so on.
by dm200
Mon Jul 14, 2014 11:03 pm
 
Forum: Personal Consumer Issues
Topic: Hospital bill negotiation
Replies: 48
Views: 3877

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

I am not an attorney, but I do deal with bankruptcy and loans regularly (both auto and personal). Do NOT rush into doing anything, such as paying the loan off, buying the car, etc. Much depends on applicable state law, as well as the details/particulars of your situation. I believe there are two sig...
by dm200
Mon Jul 14, 2014 11:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm cosigner .. Friend thinking of bankruptcy .. Pls help
Replies: 64
Views: 7203

Re: Help me understand 401k fund expenses

These high fees on the 401k plan are where the money comes from to pay the expenses of your employer offering the plan (and then some, perhaps). Your employer has chosen (or been "sold") a plan that minimizes the cost and work to the employer of offering the 401k.
by dm200
Mon Jul 14, 2014 1:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me understand 401k fund expenses
Replies: 8
Views: 523

Re: Brokered CD's vs Bonds

I have never purchased or sold individual bonds. While brokered CDs are much like bonds, there are some differences (as best I understand). At least with Vanguard Brokerage Services, if you sell a bond, depending on factors including the amount you are selling, you probably will not get anything cl...
by dm200
Mon Jul 14, 2014 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: Brokered CD's vs Bonds
Replies: 24
Views: 2648

Re: Brokered CD's vs Bonds

I have never purchased or sold individual bonds. While brokered CDs are much like bonds, there are some differences (as best I understand). At least with Vanguard Brokerage Services, if you sell a bond, depending on factors including the amount you are selling, you probably will not get anything clo...
by dm200
Sun Jul 13, 2014 10:38 pm
 
Forum: Investing - Theory, News & General
Topic: Brokered CD's vs Bonds
Replies: 24
Views: 2648

Re: NASA FCU 49 month CD special

I've never gotten an inactivity warning from any financial institution, but I've also never been charged a fee for an account going dormant either. Inactivity warning dates for the small "$5" membership accounts I have at credit unions are another thing I have in my Excel knows all spread...
by dm200
Sun Jul 13, 2014 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: NASA FCU 49 month CD special
Replies: 17
Views: 2743

Re: Choosing brokered CD's- what should I look at?

As a consequence of inheriting some of my late wife's IRA's I find myself with a couple hundred thousand dollars in my Fidelity IRA brokerage account - in cash, specifically their money market fund, which essentially pays no interest. This money has a short time horizon - I expect to retire next ye...
by dm200
Fri Jul 11, 2014 12:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Choosing brokered CD's- what should I look at?
Replies: 17
Views: 1555

Re: "high rate" CDs

The investments I manage for an organization have a significant portion in Vanguard Brokered CDs. Over the last few years, we have had Brokered CDs in several banks that failed. In fact, on one day, April 30, 2010, three banks in Puerto Rico failed and we had over $500,000 in their brokered CDs. Fo...
by dm200
Fri Jul 11, 2014 12:46 am
 
Forum: Investing - Theory, News & General
Topic: "high rate" CDs
Replies: 24
Views: 2814

Re: Dividend And Interest Distributions

So I found out that the stock and bond funds within my 401(k) plan do pay out distributions (dividends and interest) and reinvest them back into the funds. Yet instead of buying more shares, they are instead factored into the NAV (share price) for all funds. Is it me or is this pointless, almost an...
by dm200
Fri Jul 11, 2014 12:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Dividend And Interest Distributions
Replies: 15
Views: 1286

Re: Why do companies put up with high expense 401k choices?

I've seen a lot of posts where people have very limited 401k choices that are mostly funds with expense ratios that are quite high. In many cases these funds are the target date "fund of funds" types where each fund is just some variation in weighting of the same 6 (or whatever) mutual fu...
by dm200
Thu Jul 10, 2014 12:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Why do companies put up with high expense 401k choices?
Replies: 15
Views: 1477

Re: Offer on home accepted- Sellers want to rent for sometim

I jut bought a townhome and offer was accepted. Sellers are willing to repair for inspection recommendations. Sellers want to rent it for 60 days after that and pay HOA and mortgage. My lender says it has to be less than 59 days , and they seem okay but revision is awaited. My question is for the r...
by dm200
Tue Jul 08, 2014 10:18 pm
 
Forum: Personal Consumer Issues
Topic: Offer on home accepted- Sellers want to rent for sometime
Replies: 19
Views: 1657

Re: Affordable health insurance

If I am understanding your situation correctly, reaching Medicare eligibility age will not solve a major part of your health insurance needs - there are still 3 other family members who will need coverage.
by dm200
Tue Jul 08, 2014 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affordable health insurance
Replies: 33
Views: 2899

Re: "high rate" CDs

I was trying to make the distinction between a CD at a failed bank that was taken over, the CD being assumed by the new bank, and a brokered CD that gets paid off. Maybe I misunderstood what the FDIC had to say, but I don't think so. Here is your example, IndyMac: On July 11, 2008, all non-brokered...
by dm200
Tue Jul 08, 2014 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: "high rate" CDs
Replies: 24
Views: 2814

Re: "high rate" CDs

I had brokerage CDs at Vanguard a few years ago in 2-3 insured banks that bellied up. The money appeared in my Vanguard account. The CDs were not taken over by the banks that took over the failed ones. Brokered CDs follow different rules. If you buy a CD directly from a bank and it fails, you will ...
by dm200
Tue Jul 08, 2014 2:23 pm
 
Forum: Investing - Theory, News & General
Topic: "high rate" CDs
Replies: 24
Views: 2814

Re: "high rate" CDs

How is it that a few parties are offering, for example 2.25-2.3% for 5 year CDs, when most of the rest of US banks are at less than half that? What's the catch? It just seems there must be some indirect risk hidden in there somewhere? Also, many of these places (mostly banks apparently) offering th...
by dm200
Tue Jul 08, 2014 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: "high rate" CDs
Replies: 24
Views: 2814

Re: Sallie Mae incorrectly calculating interest?

Hello rar245 and all, Funny thing, I've been struggling with SLM to explain this exact same issue since, as I make weekly payments, I discovered it almost a year ago (it's a long sordid tale that I'll spare you all from). I finally got on the phone with someone from their account research departmen...
by dm200
Tue Jul 08, 2014 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae incorrectly calculating interest?
Replies: 85
Views: 3876

Re: Sallie Mae incorrectly calculating interest?

For the time being, I am stumped on matching the SLM numbers to the penny, but if the OP will post the next set of numbers - maybe I can figure something out. It does appear, though, that at least one normal way that financial institutions calculate interest on a loan come within pennies of what SLM...
by dm200
Tue Jul 08, 2014 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae incorrectly calculating interest?
Replies: 85
Views: 3876

Re: Is it ever ok to tell your boss you have another offer?

If you've decided to stay and you don't have a good relationship with the boss, I wouldn't go wagging another offer in his face. +1 Don't tell regardless of your relationship with your boss. Telling him has no upside just downside Absolutely! My opinion and experience is that only in some very sele...
by dm200
Mon Jul 07, 2014 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Is it ever ok to tell your boss you have another offer?
Replies: 30
Views: 2790

Re: Cannot qualify for physician disability insurance.

Credit disability insurance is garbage, just read the definitions. A last-resort product IMO. "garbage" is, IMO, an exageration. I have direct experience (in Virginia) with consumer lending (no real estate) and see first-hand that borrowers who purchase the optional disability insurance o...
by dm200
Sun Jul 06, 2014 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cannot qualify for physician disability insurance.
Replies: 30
Views: 2336

Re: Cannot qualify for physician disability insurance.

Individual disability insurance is way overpriced IMO. I'm really getting tired of the hefty monthly payments we make. I wouldn't stress about it too much. If you truly won't be able to sleep at night without one take a job as an employee rather than an independent contractor with an employer that ...
by dm200
Sun Jul 06, 2014 4:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cannot qualify for physician disability insurance.
Replies: 30
Views: 2336

Re: Cannot qualify for physician disability insurance.

Observation from a non-physician - I suspect that so few employed individuals purchase disability insurance is that most are probably employed by corporations or organizations that provide coverage to employees. I suspect that a great many physicians are not covered by employer plans. My guess is th...
by dm200
Sat Jul 05, 2014 11:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cannot qualify for physician disability insurance.
Replies: 30
Views: 2336

Re: Buying adult child a house vs paying their rent

Buying a house for the son brings on additional obligations and risks. If son is less than responsible, there will be additional maintenance/repair expenses and issues. There may be an increased risk of additional less than responsible individuals moving in "rent free". Other less than res...
by dm200
Sat Jul 05, 2014 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying adult child a house vs paying their rent
Replies: 37
Views: 4024

Re: Animal battle Round 7: Raccoon pooping near house

I grew up on a farm - and the 'coons would often make a home in our barns - such a mess! Dirty and mean (VERY MEAN) when they become adults. At one point we had a dog that would catch them and make short work of killing them. SO - if you get a certain type of dog - that dog can make life very unplea...
by dm200
Sat Jul 05, 2014 4:31 pm
 
Forum: Personal Consumer Issues
Topic: Animal battle Round 7: Raccoon pooping near house
Replies: 39
Views: 3145

Re: Animal battle Round 7: Raccoon pooping near house

If this is raccoon poop, then I strongly suspect the raccoon is living very close. The key is getting rid of the raccoon, IMO. Set a trap for the raccoon. I would then kill it - BUT that is not "politically correct" these days.
by dm200
Fri Jul 04, 2014 10:54 pm
 
Forum: Personal Consumer Issues
Topic: Animal battle Round 7: Raccoon pooping near house
Replies: 39
Views: 3145

Re: O Canada! Questions about traveling to Canada :-)

As a resident of western NY, Niagara Falls is a frequent day trip for us. You'll need passports, enhanced drivers lisences, or enhanced NY ID cards. There are tolls on only one direction of each bridge between US and Canada. Ive always paid the toll in cash (USD), I dont recall if they take ezpass....
by dm200
Wed Jul 02, 2014 12:58 am
 
Forum: Personal Consumer Issues
Topic: O Canada! Questions about traveling to Canada :-)
Replies: 28
Views: 2601

Re: burning 1 lb is how many calories?

Wow... just noticed a ton of replies to my post! Some helpful and others critical. Getting to my stage in life included long hours and because I am a vegetarian, almost all the food had cheese (I couldn't stand salads!) Now, I'm pretty successful in life and feel I can save enough for retirement, h...
by dm200
Wed Jul 02, 2014 12:54 am
 
Forum: Personal Consumer Issues
Topic: burning 1 lb is how many calories?
Replies: 69
Views: 5548

Re: Improving my credit score

A few comments: 1. No matter how high your credit score may be, it is required that the credit bureau list factors that have lowered the score. If your credit score is over 800 - just completely ignore these. That is also probably true for scores in the mid 700's as well. 2. While I do not know the ...
by dm200
Wed Jul 02, 2014 12:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Improving my credit score
Replies: 34
Views: 1865

Re: Mortgage "protection" insurance

I recently bought a house, and have been carpet bombed with ads from just about everyone - but what I have received more than anything are ads for mortgage "protection" insurance with no medical exam (usually covering life and disability). I can't qualify for conventional individual disab...
by dm200
Tue Jul 01, 2014 12:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage "protection" insurance
Replies: 2
Views: 320

Re: burning 1 lb is how many calories?

Your're right, they were not the Drew777's exact, but sloth and gluttony are implied if you subscribe to the calories in/calories out model. All I will say now is that I disagree on all counts. I never imply or infer these unkind and hurtful terms or what I believe they mean. And, generally speakin...
by dm200
Mon Jun 30, 2014 7:07 pm
 
Forum: Personal Consumer Issues
Topic: burning 1 lb is how many calories?
Replies: 69
Views: 5548

Re: How to Value a Company I'm Thinking of Buying

It seems that this could be a good fit for you, since you are already in this business and are, apparently, successful. There should be very few, if any, big "surprises" about doing this. As we see from the discussion, "valuation" can be a challenge with many dimensions. It also ...
by dm200
Mon Jun 30, 2014 7:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to Value a Company I'm Thinking of Buying
Replies: 19
Views: 2038

Re: burning 1 lb is how many calories?

If you are trying to lose weight..Either you need to eat less, exercise more, or a combination of both If the OP or anyone else is trying to lose weight, it presumptuous and degrading to say they are gluttonous (eating too much) or lazy (need to exercise more). If a teenager grows 3 inches and gain...
by dm200
Mon Jun 30, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: burning 1 lb is how many calories?
Replies: 69
Views: 5548

Re: How to Value a Company I'm Thinking of Buying

1. What is the difference between management fee and lease fees? 2. In addition to a non-compete agreement, I would want some kind of endorsement of you and your company as part of the transition. 3. How competitive is this market? In other words, will there be other companies going after these cont...
by dm200
Mon Jun 30, 2014 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to Value a Company I'm Thinking of Buying
Replies: 19
Views: 2038

Re: Sallie Mae incorrectly calculating interest?

I started with the earliest Sallie Mae balance of $38,797.58 on 6/17 and matched the subsequent 7 Sallie balances 4 times and was a penny more 3 times - in my mind this is totally acceptable and is in line with my recollection of how things worked years ago with our Staffords ; I tried both of the ...
by dm200
Mon Jun 30, 2014 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae incorrectly calculating interest?
Replies: 85
Views: 3876

Re: What To Do With Underwater Rental

I would look hard at increasing the rent if, as you indicate, it has not gone up in 5 years.

A financial aspect of a "short sale" in this case that I would consider is what seems to be a small amount you are under water vs. the negative impact this might have on your credit, etc.
by dm200
Mon Jun 30, 2014 12:43 am
 
Forum: Personal Finance (Not Investing)
Topic: What To Do With Underwater Rental
Replies: 33
Views: 2602

Re: Sallie Mae incorrectly calculating interest?

Spent some time on this Sunday afternoon - can't get the figures to match. Now that you are tracking daily accrued interst, it will be interesting to see if the interest charged/posted at the next payment matches their daily numbers. It is possible, perhaps, that the daiy accrued interest numbers ar...
by dm200
Mon Jun 30, 2014 12:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae incorrectly calculating interest?
Replies: 85
Views: 3876

Re: beneficiary form trumps will

Not necessarily. Not going through probate can result in a dishonest executor incorrectly distributing assets to heirs. I have seen this happen. Could you elaborate on the details this risk of a "dishonest" executor incorrectly distributing assets to heirs? I am not "hands on" d...
by dm200
Mon Jun 30, 2014 12:32 am
 
Forum: Personal Finance (Not Investing)
Topic: beneficiary form trumps will
Replies: 54
Views: 4046
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