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Re: Enrolling in Medicare - Question

When I signed up for Medicare about 4 years ago, I did it all online and it was very easy. I already knew that I wanted to enroll in a particular Medicare Advantage plan - but the reps at that plan told me that I first needed to get signed up, get the Medicare card - then contact them about enrollin...
by dm200
Thu Oct 30, 2014 9:45 pm
 
Forum: Personal Consumer Issues
Topic: Enrolling in Medicare - Question
Replies: 6
Views: 346

Re: Traditional Medicare vs Medicare Advantage

Depending on state/city domiciliary - one must do their own careful research and evaluations of what is available and what is best for their present (and future) circumstances. I agree! In my opinion, part of such "research" should include, if possible, evaluating (by speaking with curren...
by dm200
Thu Oct 30, 2014 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Traditional Medicare vs Medicare Advantage
Replies: 30
Views: 1704

Re: Medicare Advantage fan

Me. Diagnosed with colon cancer at age 65.1. Have Kaiser MA plan in Denver for $100/mo. Surgery, chemo have cost me $2500 in co-pays this year. Am very happy with KP as I do not mind being restricted to the KP system. I wish you well! Here is the Washington DC area, the Kaiser Medicare Cost plan ha...
by dm200
Thu Oct 30, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Traditional Medicare vs Medicare Advantage
Replies: 30
Views: 1704

Re: What to ask for when negotiating a severance package?

Severance packages that I have received (twice) and have heard about vary a great deal. Most of the ones I know about weight number of years with the employer heavily, so you do not have a lot of leverage due to being only there two years. My "seat of the pants" opinion is that you will ha...
by dm200
Thu Oct 30, 2014 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to ask for when negotiating a severance package?
Replies: 20
Views: 1290

Re: Adoption [Experience from those who have adopted]

1. My wife and I adopted our son (he was about a year old) over 30 years ago. It was done privately - and he is a close relative of my wife. The "process" (primarily because it was 'in the family') generally went well, and we fully regard him as out son and he regards us as his parents. Ve...
by dm200
Wed Oct 29, 2014 7:47 pm
 
Forum: Personal Consumer Issues
Topic: Adoption [Experience from those who have adopted]
Replies: 24
Views: 2587

Re: Vehicle Loan Pay Off

Currently paying bi-weekly: $200 ($400/mo)


To be accurate:

1. $200 biweekly = about $434 per month
2. $400 per month = about $185 biweekly

Biweekly means every two weeks.
by dm200
Wed Oct 29, 2014 7:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vehicle Loan Pay Off
Replies: 8
Views: 527

Re: Traditional Medicare vs Medicare Advantage

Everyone of these Medicare vs Medicare Advantage Plans discussion is fraught with incomplete information, anecdotal information, misinformation and just plain wrong information. There is no such thing as a Medicare Advantage Plan. There are several maybe even hundreds of Medicare Advantage Plans. T...
by dm200
Wed Oct 29, 2014 2:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Traditional Medicare vs Medicare Advantage
Replies: 30
Views: 1704

Re: Donee Unable to Accept Stock

Thank you all for the additional information. I discovered the VanguardCharitable.org site earlier today and skimmed through it. The procedures and constraints make me uneasy but It looks likes something I can do if I decide to go that route. The suggestion to donate a small amount to test the syst...
by dm200
Tue Oct 28, 2014 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Donee Unable to Accept Stock
Replies: 22
Views: 1887

Re: Traditional Medicare vs Medicare Advantage

When I got cancer 20 years ago I wanted to go to M.D. Anderson Cancer Center in Houston, Texas. Thank goodness I had Original Medicare and a Med-gap plan so I could go anywhere of my choosing. The advantage plans would not cover M.D. Anderson. My case was very serious and went to M.D. Anderson for ...
by dm200
Tue Oct 28, 2014 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Traditional Medicare vs Medicare Advantage
Replies: 30
Views: 1704

Re: Donee Unable to Accept Stock

A donor advised fund can be an excellent vehicle for doing something like this. Vanguard has one, as does Fidelity. We use Fidelity.

On the issue of whether this library is eligible - I would check with either the Fidelity or Vanguard Donor advised fund - and ask if this destination can be done.
by dm200
Mon Oct 27, 2014 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Donee Unable to Accept Stock
Replies: 22
Views: 1887

Re: Credit Union CD Ladder: What to do with interest payment

1. Although it may be common for the ability to withdraw interest/dividends from a CD at a credit union without penalty - I do not believe that is required of the credit union. If this is an issue for you, make sure BEFORE you open the CD. 2. The way I would do a "Five year ladder" (let's ...
by dm200
Mon Oct 27, 2014 9:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Credit Union CD Ladder: What to do with interest payments?
Replies: 7
Views: 748

Re: Traditional Medicare vs Medicare Advantage

I have been in a Kaiser Medicare plan (Washington DC area) since I became eligible for Medicare 4 or 5 years ago. This particular Kaiser plan was a Medicare advantage plan - but is now a similar (but not identical "Medicare Cost" plan. I am convinced that, for me, this plan provides great ...
by dm200
Mon Oct 27, 2014 9:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Traditional Medicare vs Medicare Advantage
Replies: 30
Views: 1704

Re: UGMA beneficiary trying to access funds

I would presume this "solution" to having capital gains (taxable) on the sale of appreciated securities in a UGMA/UTMA is the same as a regular taxable account - but using these to donate to a charity (either directly or through a DAF) provides a charitable tax deduction of the full value ...
by dm200
Mon Oct 27, 2014 9:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: UGMA beneficiary trying to access funds
Replies: 29
Views: 2229

Re: Medicare Supplement for SSDI

Thank you, Riley. Raises a new question. I wonder how/why Medicare Advantage insurers can (have to?) offer the disabled the same rates as the "naturally" retired and "regular" Medigap carriers can't/won't/don't have to? I have no specific knowledge of the "numbers" on ...
by dm200
Mon Oct 27, 2014 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement for SSDI
Replies: 20
Views: 1037

Re: Buying a home / renting it to a friend

If you already own other rental real estate, you know the following... and it not: As a LL, you must have the same criteria for each applicant. Most LL's have something like gross income must be 3x monthly rent. Gross income must be verifiable. If an applicant does not want to "count" som...
by dm200
Fri Oct 24, 2014 2:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying a home / renting it to a friend
Replies: 20
Views: 917

Re: Is spouse eligible for SS benefit without ever contribut

I read on the Social Security website that even if a spouse never worked under Social Security, they may be able to get spousal benefits if they are at least 62 and their spouse is already receiving Social Security retirement benefits. Can anyone shed light on how this would work? The site mentions...
by dm200
Fri Oct 24, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is spouse eligible for SS benefit without ever contributing?
Replies: 12
Views: 1428

Re: Buying a home / renting it to a friend

Perhaps I "worry" too much - but I would be concerned about a risk of being entangled in his (apparently significant) "off the books" cash income. Might there be an appearance that you are colluding with him in hiding this cash income?
by dm200
Fri Oct 24, 2014 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying a home / renting it to a friend
Replies: 20
Views: 917

Example of Investment advisor fraud

This guy was a financial advisor for a credit union - selling investment type products and services.

http://www.washingtonpost.com/local/cri ... story.html
by dm200
Thu Oct 23, 2014 11:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Example of Investment advisor fraud
Replies: 2
Views: 611

Re: Buying a home / renting it to a friend

My friend wants me to buy a home for about $100,000 and rent it to him for about $1,000 to $1,200 with option to buy later when his financial situation / credit is sufficient. He's been begging me to do it -- and while I already have too much money in real estate and don't really want more, the mon...
by dm200
Thu Oct 23, 2014 11:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying a home / renting it to a friend
Replies: 20
Views: 917

Re: Attorney Hourly Rates?

As I posted on another thread, one experience with hourly billing was a civil case, where I was a losing party (one of several, including former employer), and we were responsible for the winning party's expenses to collect. The winning party submitted stacks of invoices and billing "justifying...
by dm200
Tue Oct 21, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Attorney Hourly Rates?
Replies: 41
Views: 3030

Re: Attorney Hourly Rates?

Perhaps not 100% accurate for fair - but to some degree, at least, hourly billing may reward an attorney's lack of knowledge. The less he or she knows, the more time it takes and the bill goes up. That's why experienced attorneys can charge higher hourly rates than inexperienced attorneys: it shoul...
by dm200
Mon Oct 20, 2014 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Attorney Hourly Rates?
Replies: 41
Views: 3030

Re: Attorney Hourly Rates?

One aspect of "hourly billing" I learned the hard way - When my wife and I needed to have a comprehensive estate plan done to replace earlier documents, we engaged an attorney that was recommended. Mistake #1 - we did not make sure of the billing/charge arrangements fully upfront. We learn...
by dm200
Sun Oct 19, 2014 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Attorney Hourly Rates?
Replies: 41
Views: 3030

Re: Why are 401k plans expensive?

Basically, you should understand that this is one of the largest tax deductions a company can take and therefore, it is heavily regulated. Companies have to pay money for expertise to ensure they are in compliance with federal regulation. Yes - I agree with the "heavily regulated" aspect,...
by dm200
Sun Oct 19, 2014 3:19 pm
 
Forum: Investing - Theory, News & General
Topic: Why are 401k plans expensive?
Replies: 39
Views: 3053

Re: Why are 401k plans expensive?

Others with "first hand" experience may wish to comment - I have seen multiple postings in these discussions over the years that 403b (and maybe 401k) plans, costs, etc. in some jurisdictions are (somehow) influenced by or have some connection to employee unions and/or union officials. I w...
by dm200
Sun Oct 19, 2014 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: Why are 401k plans expensive?
Replies: 39
Views: 3053

Re: Attorney Hourly Rates?

From my experience engaging attorneys or being engaged by attorneys - 1. It is common that attorneys bill one rate for work done in the office and a higher rate for time in Court. 2. Hourly rates usually depend on the level of the attorney. In a law firm with many attorneys, senior attorneys probabl...
by dm200
Sun Oct 19, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Attorney Hourly Rates?
Replies: 41
Views: 3030

Re: Why are 401k plans expensive?

I guess I got lucky. I haven't seen any fees out of my 401k, so that's probably a combination of it being at vanguard and/or my company paying them. My wife's is through Schwab, and even her fees are pretty low, something like .2%. The funds in her 401k are low-cost as well. Perhaps you (and your w...
by dm200
Fri Oct 17, 2014 11:45 pm
 
Forum: Investing - Theory, News & General
Topic: Why are 401k plans expensive?
Replies: 39
Views: 3053

Re: Why are 401k plans expensive?

My conclusion/opinion is that the total cost [irrespective of who pays for it] of administering/offering a 401k plan is significant. Much of this is, in my opinion, due to the reporting, investing and tracking requirements. Whether these are good/bad/necessary/etc. is beyond the scope of this forum ...
by dm200
Thu Oct 16, 2014 11:09 pm
 
Forum: Investing - Theory, News & General
Topic: Why are 401k plans expensive?
Replies: 39
Views: 3053

Re: Most "efficient" order to see multiple physicians?

See your specialists first and the primary care physician last. Your PCP wants to know what the specialists say because he/she is ultimately responsible for coordinating your care and implementing it. The specialists care far less what the PCP thinks or does. This and if you have any blood work or ...
by dm200
Thu Oct 16, 2014 10:57 pm
 
Forum: Personal Consumer Issues
Topic: Most "efficient" order to see multiple physicians?
Replies: 4
Views: 826

Re: What is common for a severance package?

Having been in that situation several times over the years (all with mega corps), it has varied from 1-2 weeks per year (perhaps with a cap) plus some number of months of health/medical benefits. I was not in a commission or bonus situation - but I suspect it would be base only. There are a lot of v...
by dm200
Thu Oct 16, 2014 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is common for a severance package?
Replies: 25
Views: 1821

Re: Helping cash poor, land rich relative

You put the mask on the child first No brainer


What???
by dm200
Thu Oct 16, 2014 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Helping cash poor, land rich relative
Replies: 24
Views: 3909

Re: Your personal risk level: Got your flu shot yet?

I do not have, nor have I ever had, any adverse reaction to any flu shot or vaccination, nor do I have any allergies. I do notice that one factor that has prevented some individuals from getting a flu shot is an allegey to eggs. I always read the required forms that must be signed when getting a flu...
by dm200
Thu Oct 16, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3004

Re: Your personal risk level: Got your flu shot yet?

No flu shot! Never have, likely never will. Not anti-vaxx crazy, just stubborn crazy. I still drive a car 20,000+ miles per year too. Manage risk or live under a rock. do everyone else a favor - if/when you get the slightest hint of the flu - stay the hell away from me and everyone else. In my stro...
by dm200
Wed Oct 15, 2014 11:18 pm
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3004

Re: Buying Secondary Market CDs at Vanguard

Be cautious about buying brokered CDs at Vanguard or anywhere else. They are not the same thing as CDs. See this account by one Vanguard customer http://wernercohn.com/brokered_CDs.html Let me comment on this Werner Cohn article/opinion. This was over ten years ago, and the FDIC limit is now $250,0...
by dm200
Wed Oct 15, 2014 11:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying Secondary Market CDs at Vanguard
Replies: 6
Views: 749

Re: Buying Secondary Market CDs at Vanguard

Be cautious about buying brokered CDs at Vanguard or anywhere else. They are not the same thing as CDs. See this account by one Vanguard customer http://wernercohn.com/brokered_CDs.html While they may not be EXACTLY the same as direct purchased CDs, they have many common characteristics. The most i...
by dm200
Wed Oct 15, 2014 10:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying Secondary Market CDs at Vanguard
Replies: 6
Views: 749

Most "efficient" order to see multiple physicians?

As is the case as most of us grow older, I see several physicians (specialists) annually - as well as an annual health assessment from my primary care physician (Internal medicine). In my health plan/insurance, I do not need to have a separate referral to see a specialist if I have previously been r...
by dm200
Wed Oct 15, 2014 10:49 pm
 
Forum: Personal Consumer Issues
Topic: Most "efficient" order to see multiple physicians?
Replies: 4
Views: 826

Re: Your personal risk level: Got your flu shot yet?

Influenza routinely kills 30,000 - 40,000 people per year in the USA. Traffic crashes, about the same. The Ebola outbreak has, this year, killed about 4,500 people worldwide. The number of people dying from West Nile Virus in the USA varies from less than a hundred up to a few hundred per year. Get...
by dm200
Wed Oct 15, 2014 10:41 pm
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3004

Re: Index usage error in Mortgage Document.

Just my opinion - but before I complained to the CFPB, members of Congress and so on, I would give the lender an opportunity (short period of time) to address and correct the issue/problem. Although less than honest/honorable motives are always possible, it is also very possible this was an inadvert...
by dm200
Wed Oct 15, 2014 6:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Index usage error in Mortgage Document.
Replies: 13
Views: 735

Re: Health Insurance - Retiree questions

Ugh, I was hoping it wouldn't be too complicated. Thanks for all your responses. I wasn't expecting health insurance to be so expensive. btw, are those costs for a single person or family plan? Also, You suggested contacting an agent. Is there a website for these agents? thanks again for all the fe...
by dm200
Tue Oct 14, 2014 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - Retiree questions
Replies: 12
Views: 1541

Re: Why did my bond funds NAV change on Columbus Day?

Speaking of holidays - You know you are old when you remember: 1. Columbus Day was celebrated on October 12 - not moved to a Monday; and 2. you actually believed (what was taught/pitched) that "Columbus Discovered America" - and nothing but good things resulted from this "Discovery&qu...
by dm200
Tue Oct 14, 2014 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why did my bond funds NAV change on Columbus Day?
Replies: 16
Views: 1476

Re: Why did my bond funds NAV change on Columbus Day?

... I agree. GNMA, as just one example, does not accrue the income into the NAV and the amount of the monthly dividend is based on the holding balance for each day of the month. For such bond funds, you are also never "buying the dividend". And if I may add a further detail, for such fund...
by dm200
Tue Oct 14, 2014 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why did my bond funds NAV change on Columbus Day?
Replies: 16
Views: 1476

Re: Why did my bond funds NAV change on Columbus Day?

Also NAV will increase from 3 days of accrued interest. Mostly not, for bond funds. Some, like TIPS and Vanguard's foreign bond funds, include accrued interest in NAV, but most US-based bond funds don't do that. PJW I agree. GNMA, as just one example, does not accrue the income into the NAV and the...
by dm200
Mon Oct 13, 2014 10:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why did my bond funds NAV change on Columbus Day?
Replies: 16
Views: 1476

Re: Indoor rowing machine - worth it?

I use a Concept 2 Rower (with the display, but nothing else fancy) at the community gym. I use it about 3 times a week for about 30-40 minutes each. My purpose/goal is aerobic fitness and this is part of doing 5 or 6 things rotating about 2 per day almost every day for 45-60 minutes of actual exerci...
by dm200
Mon Oct 13, 2014 5:22 pm
 
Forum: Personal Consumer Issues
Topic: Indoor rowing machine - worth it?
Replies: 73
Views: 3611

Re: Brokered CD's vs Bonds

While it is difficult to quantify, brokered CDs also have some degree (I believe small or very small) of "call risk" - if the issuing bank goes belly up and the CDs are paid early by the FDIC. Very good point! I actually owned a couple of brokered CDs years ago where this is exactly what ...
by dm200
Sun Oct 12, 2014 10:38 pm
 
Forum: Investing - Theory, News & General
Topic: Brokered CD's vs Bonds
Replies: 33
Views: 3411

Re: Brokered CD's vs Bonds

Thanks Kevin. I use an i401(k) for the majority of my retirement savings, largely so that I can do a backdoor Roth every year - thus I can't have any other IRAs. TD Ameritrade offers a lot of brokered CDs I can purchase there. Got it. Then using brokered CDs is a good way to get higher yields than ...
by dm200
Sun Oct 12, 2014 9:16 pm
 
Forum: Investing - Theory, News & General
Topic: Brokered CD's vs Bonds
Replies: 33
Views: 3411

Re: Brokered CD's vs Bonds

It is true that the bid/ask spread can hurt you with brokered CDs. You can buy a new CD and avoid the issue on purchase, but when you sell, you're likely to take a big hit. This is my experience as well. Just to make sure I understood the process, how it worked and that, if needed, I could do this ...
by dm200
Sun Oct 12, 2014 5:35 pm
 
Forum: Investing - Theory, News & General
Topic: Brokered CD's vs Bonds
Replies: 33
Views: 3411

Re: Medigap polcies - selecting for first time

That is assuming there are any MA plans offered in her zip code. Remember, in many areas of the country, MA is not an option because they are disappearing fast. More insurers are finding they are no longer as profitable as they counted on. If she is in a big urban area she can probably find more th...
by dm200
Sun Oct 12, 2014 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap polcies - selecting for first time
Replies: 22
Views: 1378

Re: Need Help Responding to Debt Collector (for invalid requ

Good Luck. The debt collector needs to tell you what the debt is for and other details. Be very careful about giving them any information that they can twist and use against you. In a very cautious way, though, I would state that you are not aware of any such obligations, but that you will be happy ...
by dm200
Sun Oct 12, 2014 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Need Help Responding to Debt Collector (for invalid request)
Replies: 11
Views: 980

Re: Medigap polcies - selecting for first time

That is assuming there are any MA plans offered in her zip code. Remember, in many areas of the country, MA is not an option because they are disappearing fast. More insurers are finding they are no longer as profitable as they counted on. If she is in a big urban area she can probably find more th...
by dm200
Sun Oct 12, 2014 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap polcies - selecting for first time
Replies: 22
Views: 1378

Re: Do you every turn your smart phone off?

I've never owned a "smart phone", so I guess I've never had to turn one off. I resisted getting a "smart phone" for many years - I like to just answer calls when the cell phone rings - or respond to messages. I finally "gave in" and ordered an iPhone 6 Plus - that soul...
by dm200
Sun Oct 12, 2014 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Do you every turn your smart phone off?
Replies: 36
Views: 1925

Re: Medicare Part B Premiums same for 2015

Part B premiums are based on government's prediction of what their exposure to next year's covered health costs will be. Madigap and MA premiums are based on private sector's prediction of what their exposure to next year's covered health care costs will be.. Well that adds up nicely. If medical co...
by dm200
Sun Oct 12, 2014 2:13 pm
 
Forum: Investing - Theory, News & General
Topic: Medicare Part B Premiums same for 2015
Replies: 12
Views: 1106
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