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Re: If you have ACA health insurance, what is your experien

dm200, Your post pointed out something that I should have said with my post above. The patients we have seen with ACA plans were patients that would otherwise have no insurance. People in your situation are just shopping for your best deal. Grouping this post with the previous one: I don't have ACA...
by dm200
Mon Apr 21, 2014 12:08 am
 
Forum: Personal Finance (Not Investing)
Topic: If you have ACA health insurance, what is your experience?
Replies: 16
Views: 971

Re: Trying to learn about Brokered CD's

The only "call risk" (that I know of) for non-callable brokered CDs is in the unusual (but not impossible) case of a failure of the issuing bank and the FDIC pays out the CD early. GATEWAY BK FLA just called back one of mine a couple of months ago. I have two more from that bank so I know...
by dm200
Sun Apr 20, 2014 10:27 pm
 
Forum: Investing - Theory, News & General
Topic: Trying to learn about Brokered CD's
Replies: 17
Views: 628

Re: If you have ACA health insurance, what is your experien

While I am on Medicare, my wife has several years before qualifying for Medicare. She was on an (actually VERY) expensive individual plan with an HMO (Kaiser). She wanted to stay with Kaiser, but we very much wanted lower premiums and a reasonable plan. While the enrollment process was difficult, fr...
by dm200
Sun Apr 20, 2014 10:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you have ACA health insurance, what is your experience?
Replies: 16
Views: 971

Re: Medicare and FEHB

It really is a hard decision because we don't know our future health needs. My dh is turning 65 soon (he is the retired fed). Our health insurance is through an HMO . If we pay for Part B this HMO does not waive the copays so it would be to have it in case we want to change plans someday or for som...
by dm200
Sun Apr 20, 2014 10:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare and FEHB
Replies: 8
Views: 408

Re: Trying to learn about Brokered CD's

Brokered FDIC non-callable CD's generally have a 10 year term . You have little choice regarding interest payments (little or no choice of compound interest). Other than that and as long as they are held to maturity that would be it in my estimation. I was not aware of any costs to purchase from Va...
by dm200
Sun Apr 20, 2014 9:44 pm
 
Forum: Investing - Theory, News & General
Topic: Trying to learn about Brokered CD's
Replies: 17
Views: 628

Re: Buying shoes at COSTCO

Bought a Bolle ski helmet in Costco for $50. No doubt in my mind that this is almost identical to helmets that retail full price well in excess of $100 elsewhere. But I got lucky, this was the last one, and I actually got it when it was in the process of being restocked. I think this is the Costco ...
by dm200
Sat Apr 19, 2014 5:45 pm
 
Forum: Personal Consumer Issues
Topic: Buying shoes at COSTCO
Replies: 14
Views: 2273

Re: Medicare and FEHB

My wife and I are both retired from the federal government and now work for a state government. We are coming up on retirement from our retirement jobs with the state and we are very confused about health care. What did you do about continuing your federal healthcare and/or Medicare part B? do you ...
by dm200
Sat Apr 19, 2014 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare and FEHB
Replies: 8
Views: 408

Re: Switching Banks

Sure seems like our society as a whole would be better off if the banks didn't reward the good customers and lowered their interest a bit for those that mismanage or get into trouble.


Benefiting society as a whole is not a significant motivating factor for a bank.
by dm200
Fri Apr 18, 2014 8:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching Banks
Replies: 23
Views: 1880

Re: Testamentary Trust as Beneficiary

My wife and I recently updated our estate plans (wills) after having our first child last year. In the will, of course, there is a testamentary trust setup for our child in case both of us pass away. Our lawyer then recommended that we update our beneficiaries on investment accounts, life insurance...
by dm200
Thu Apr 17, 2014 11:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Testamentary Trust as Beneficiary
Replies: 19
Views: 866

Re: Newly Widowed, what to do with the life insurance money.

Thanks so much all your replies have been very helpful. I guess I'm just a little panicky at having all that money and thought I need to do something with it right away. I actually do bank at a credit union, TinkerFCU. I had my emergency fund in their premium plus account but it only pays .3% and I...
by dm200
Thu Apr 17, 2014 11:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newly Widowed, what to do with the life insurance money....
Replies: 28
Views: 3234

Re: Switching Banks

1. While more than one credit card may not be necessary or even a big advantage for credit report/score reasons, so many things can happen when using (or trying to use) a particular card, I would always want to have 1 or 2 "backup" cards available (unless I could always pay with cash or a ...
by dm200
Thu Apr 17, 2014 11:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching Banks
Replies: 23
Views: 1880

Re: Gave two weeks notice a week ago - benefits wrapup quest

Neither an attorney nor HR expert, but let me give knowledge and experience at a former employer that was (and still is) one of the largest US Corporations. I live in Virginia and was employed by this very large US corporation in Virginia (although the corporation and a majority of its employees wer...
by dm200
Thu Apr 17, 2014 10:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gave two weeks notice a week ago - benefits wrapup questions
Replies: 6
Views: 1249

Re: Just had offer accepted on a house! (Advice pls!)

Assuming your accepted offer is pending inspection - hire a good inspector and have him nitpick the hell out of everything and attach a high dollar amount to every fix. Then use that info to pound the sellers into an even lower price. Once they are informed of defects, make sure you tell them they ...
by dm200
Wed Apr 16, 2014 11:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just had offer accepted on a house! (Advice pls!)
Replies: 29
Views: 2083

Re: Legal Liability Question [Sole Proprietorships vs. LLCs]

I have a legal liability question about Sole Proprietorships vs. LLCs for single employee businesses. As I under an LLC protects the assets of the owners of a business but would it provide any protection for the employees. And if it doesn't and the owner is the only employee does it really afford h...
by dm200
Wed Apr 16, 2014 8:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Legal Liability Question [Sole Proprietorships vs. LLCs]
Replies: 6
Views: 379

Re: Newly Widowed, what to do with the life insurance money.

DH passed away in December from Melanoma. Today I received the rest of the life insurance money - $200,000. I have no retirement accounts of my own, I was mostly a homemaker. I would also like to know the best way to give my children some help with college if they desire to attend without penalizin...
by dm200
Wed Apr 16, 2014 8:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newly Widowed, what to do with the life insurance money....
Replies: 28
Views: 3234

Re: Switching Banks

Before closing out the BofA account and/or credit card, first open an account at this credit union and get one of their credit cards. Make sure your needs/desires are adequately met. A new credit card does not necessarily have to come from the new credit union. I have recently started investigating...
by dm200
Wed Apr 16, 2014 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching Banks
Replies: 23
Views: 1880

Re: Just had offer accepted on a house! (Advice pls!)

Make sure the inspector looks closely at the roof (up close and NOT from the ground!).

I would go with one loan for 30 years - to give you the most flexibility.

My priority for a mortgage lender would be one that keeps the mortgage servicing, Include credit unions in the search for a mortgage.
by dm200
Wed Apr 16, 2014 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just had offer accepted on a house! (Advice pls!)
Replies: 29
Views: 2083

Re: Switching Banks

I have had a BofA checking account since 1992 without any troubles at all. I try to manage my accounts there such that I pay no fees but that has required keeping some cash there which currently pays nothing. I am considering switching to a local credit union that pays 2.25% interest on balances up...
by dm200
Wed Apr 16, 2014 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching Banks
Replies: 23
Views: 1880

Re: Doesn't Matter - Does Matter - Good Post by Ben Carlson

While I tend to agree with most of this list - I conclude that a great many more of the "Doesn't matter" list are a lot more interesting and/or more fun!
by dm200
Wed Apr 16, 2014 8:03 pm
 
Forum: Investing - Theory, News & General
Topic: Doesn't Matter - Does Matter - Good Post by Ben Carlson
Replies: 51
Views: 4229

Re: Federal Employment Question

While the FERS retirement benefits may be less than the former CSRS pension benefits, nonetheless the FERS defined benefit pension is a significant benefit. In the private sector, defined benefit pensions have nearly completely been discontinued. Companies, such as IBM - which decades ago had a very...
by dm200
Wed Apr 16, 2014 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Employment Question
Replies: 20
Views: 1328

Re: Alternative to a car

Almost certainly a large amount (for one person) of groceries could be well handled by taking a taxi to and from the grocery store. Compared to all the costs of owning a car, paying for taxi for grocery shopping should not be cost prohibitive. It might be good if there were another person in that co...
by dm200
Mon Apr 14, 2014 10:19 pm
 
Forum: Personal Consumer Issues
Topic: Alternative to a car
Replies: 34
Views: 2204

Re: Being older/younger in class -- benefits, issues?

Well, I admittedly haven't read all of the responses, but here is my personal experience since my brother and I are at opposite ends of this issue. My younger brother was born in June, making him one of the youngest in his class. I was born in October, making me one of the oldest in my class. Neith...
by dm200
Mon Apr 14, 2014 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Being older/younger in class -- benefits, issues?
Replies: 98
Views: 4837

Example of Why to Verify that a Credit Union is Legitimate

I certainly am a big advocate of credit unions. I also strongly urge everyone to independently verify that a credit union is legitimate and, if federal insurance is important to you, independently verify that as well. Just because a place has a sign on the door, or on a web site does not make it tru...
by dm200
Mon Apr 14, 2014 11:06 am
 
Forum: Investing - Theory, News & General
Topic: Example of Why to Verify that a Credit Union is Legitimate
Replies: 2
Views: 571

Re: Alternative to a car

One of my neighbors is 95 years old and is still driving. He drives himself to doctor appointments, the grocery store, and other things located within 10 miles or so. His son takes him on longer trips and bigger cities. Driving ability depends on the individual. Unless there are some serious issues...
by dm200
Sat Apr 12, 2014 9:07 pm
 
Forum: Personal Consumer Issues
Topic: Alternative to a car
Replies: 34
Views: 2204

Re: Contradictory IRS Rules

No tax expert here, but from what I recall a friend of mine did when he owned a house and had several other guys pay him rent while living there was, for tax purposes, to consider the whole house "shared" - thereby enabling him to treat most of the costs of the house as "rental" ...
by dm200
Sat Apr 12, 2014 8:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Contradictory IRS Rules
Replies: 7
Views: 835

Re: Making a Will (Young Couple)

With "some money" and a child - I strongly suggest a "simple will" without a lawyer may be a bad idea. I suggest consulting an attorney that specializes In wills and trusts for folks like you and get a firm estimate and commitment of what this will cost and what you get. IMO, mon...
by dm200
Fri Apr 11, 2014 9:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Making a Will (Young Couple)
Replies: 16
Views: 1279

Re: Getting Passport without specific travel plans?

Thanks to all for the great feedback and experiences!
by dm200
Fri Apr 11, 2014 2:48 pm
 
Forum: Personal Consumer Issues
Topic: Getting Passport without specific travel plans?
Replies: 29
Views: 1797

Getting Passport without specific travel plans?

I have an expired passport (expired about a year ago). I am considering getting a new (or renewed) passport to have in case, for some reason, I need to travel outside the U.S. For example, since I have family near the Canadian border, I might wish to go into Canada while visiting Canada, or there mi...
by dm200
Fri Apr 11, 2014 12:04 am
 
Forum: Personal Consumer Issues
Topic: Getting Passport without specific travel plans?
Replies: 29
Views: 1797

Re: Wait for better tenant application or approve the one I

Why do you want to do a 2 year lease? Is that standard practice in your area/region? I think 1 year would be standard and then it goes month to month after that. I have had multiple leases with tenants but never asked them to sign up for 2 years. You should check your state regulations: "In a ...
by dm200
Thu Apr 10, 2014 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wait for better tenant application or approve the one I have
Replies: 27
Views: 1576

Re: Being a trustee for a friend's estate

When my wife and I did our wills, those wills specified the creation of "testamentary trusts" upon our death(s). Nobody had the sign, or agree to, anything - and would only do so upon our death(s) when the trust(s) are created. I also advise gaining a full and complete understanding of wha...
by dm200
Wed Apr 09, 2014 11:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Being a trustee for a friend's estate
Replies: 14
Views: 1150

Re: Wait for better tenant application or approve the one I

Back when I was a renter, I would probably not have been willing to sign a two year lease primarily because of the increased risk of a bad landlord or the house did not work out. I believe you may end up with a less desirable tenant by insisting on, or waiting for a two year lease.
by dm200
Wed Apr 09, 2014 11:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wait for better tenant application or approve the one I have
Replies: 27
Views: 1576

Re: Financial question about a Doctor’s Visit

One aspect that I remember is that the fee for drawing the blood (not a trivial "list price") was always dropped to zero by the insurance company agreements. Medicaid and Medicare do not reimburse the physician for the blood draw, and every insurance company I know that my colleagues work...
by dm200
Wed Apr 09, 2014 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial question about a Doctor’s Visit
Replies: 77
Views: 3573

Re: Wait for better tenant application or approve the one I

My standard agreement is a one-year lease and goes month-to-month after the end of the year. Back (many years ago) when I was single, I was the "Lead" or "Primary" person in renting several single family houses where there were 2 or 3 others occupying the house. As best I recall...
by dm200
Wed Apr 09, 2014 8:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wait for better tenant application or approve the one I have
Replies: 27
Views: 1576

Re: Wait for better tenant application or approve the one I

I have placed my property which is a very good market for rental and already have one application and couple of leads with in couple of weeks. I initially wished for a multi year lease, but this one family (Family-A) with the application already in are willing to do a 1 year lease only. I screened ...
by dm200
Wed Apr 09, 2014 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wait for better tenant application or approve the one I have
Replies: 27
Views: 1576

Re: Financial question about a Doctor’s Visit

A few comments and some of my (related) experiences: 1. Three years ago I went from an individual Blue Cross - Blue Shield plan to a Kaiser Medicare plan, so I left all of my physicians. I requested copies of my medical records, some of which were very short and some more lengthy. Some were provided...
by dm200
Wed Apr 09, 2014 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial question about a Doctor’s Visit
Replies: 77
Views: 3573

Re: Buying new issue CDs

One, possible, advantage of brokered CDs is the convenience of having CDs from multiple banks tracked in one place (Vanguard Brokerage services, for example). In addition, the possible disadvantages of brokered CDs are that the "settlement" (or purchase) date for a brokered CD is not immed...
by dm200
Sun Apr 06, 2014 9:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying new issue CDs
Replies: 7
Views: 572

Re: Financial question about a Doctor’s Visit

I visited an in-network doctor and on the same day the doctor had my blood taken and sent to a lab. It was sent to an in-network lab and I was covered at 100%. One of the results came back out of range and the doctor requested that I come back in to repeat the blood test. Except this time, the doct...
by dm200
Sun Apr 06, 2014 9:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial question about a Doctor’s Visit
Replies: 77
Views: 3573

Re: Preventing Office Theft of Food and Other Stuff

At a former, small company, employer a few years ago - there were the commonly cited "problems" - stuff left in the refrigerator to spoil, folks not cleaningup, etc. The receptionist put up a sign (that got some folks' attention): Your mother does not work here! Please keep the kitchen cle...
by dm200
Thu Apr 03, 2014 10:57 pm
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 5090

Re: Business-related meals: tax deductions

Lets say a small business owner works at a local cafe. In order to work there, he has to buy drinks and food. Can he include the cost of the drinks and food as a business expense? If so, how much of it can he write off (50%, 100%, etc)? Just so that I understand, this small business owner has no ac...
by dm200
Thu Apr 03, 2014 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Business-related meals: tax deductions
Replies: 11
Views: 849

Re: Preventing Office Theft of Food and Other Stuff

Sometimes there is an opposite problem (encountering this now) - where someone leaves something, apparently intending to consume it, then forgets and it sits for days and weeks.
by dm200
Thu Apr 03, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 5090

Re: Preventing Office Theft of Food and Other Stuff

rob wrote:http://www.thisiswhyimbroke.com/fake-mold-anti-theft-lunch-bag - It's a sandwich bag that has fake mold as part of the plastic :-)


I love it!
by dm200
Thu Apr 03, 2014 11:00 am
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 5090

Re: Check hold for 40 days? Outrageous?

I've never experienced more than about 48 hours anytime in the last 10-15 years, but any large checks I've deposited were either bank checks, or from my employer (who from the bank's perspective was a well-known local business even though the checks were drawn on an out-of-state bank). Even 10 days...
by dm200
Thu Apr 03, 2014 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Check hold for 40 days? Outrageous?
Replies: 11
Views: 1338

Re: Healthy Eating/Lifestyle Forum(s)

http://www.drmirkin.com/

and on facebook https://www.facebook.com/pages/Dr-Gabe- ... 7859968159

on the web site, you can get a weekly "ezine" email each week.
by dm200
Thu Apr 03, 2014 10:53 am
 
Forum: Personal Consumer Issues
Topic: Healthy Eating/Lifestyle Forum(s)
Replies: 16
Views: 1876

Re: Check hold for 40 days? Outrageous?

In matters relating to check holds, banks and credit unions are generally subject to the same regulations. For a hold of this very extended nature, the credit union would have to believed there were specific characteristics of the check and/or account and/or owner/payee. The fact that this was a new...
by dm200
Wed Apr 02, 2014 11:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Check hold for 40 days? Outrageous?
Replies: 11
Views: 1338

Re: good mortgage

In my opinion (others may differ), I would first look at a credit union (such as Navy Federal or Pentagon Federal) that will keep (not sell) the servicing of the mortgage. They may sell the mortgage, but (again IMO) the chances of a mixup is much less if the same financial institution keeps doing th...
by dm200
Wed Apr 02, 2014 12:44 am
 
Forum: Personal Finance (Not Investing)
Topic: good mortgage
Replies: 5
Views: 877

Re: Charities selling or sharing our data?

All sorts of things get you on various "lists". A few years ago, I saw that a certain religious organization had recommended living wills and advanced medical directives, healthcare powers of attorney (that were consistent with this denomination's views on such matters). For information, I...
by dm200
Tue Apr 01, 2014 10:35 pm
 
Forum: Personal Consumer Issues
Topic: Charities selling or sharing our data?
Replies: 15
Views: 727

Re: Charities selling or sharing our data?

jebmke wrote:
nhrdls wrote:What can we do to stop this flood?

Use a donor advised fund and donate anonymously.

+1
by dm200
Tue Apr 01, 2014 10:26 pm
 
Forum: Personal Consumer Issues
Topic: Charities selling or sharing our data?
Replies: 15
Views: 727

Re: Being older/younger in class -- benefits, issues?

dbr wrote:One unintended consequence is a 16 year old with a drivers license a year sooner than any of his friends.


Back when I was in High School - I would have seen that as a BIG advantage!
by dm200
Tue Apr 01, 2014 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Being older/younger in class -- benefits, issues?
Replies: 98
Views: 4837

Re: Being older/younger in class -- benefits, issues?

A few year's ago, relative of mine's son was nearing High School graduation, but (in the parent's view anyway) showed signs of lack of maturity, etc. [I don't recall whether he was young for his grade level or not]. Instead of going to college right after High School, he spent a year (or so) as a fo...
by dm200
Mon Mar 31, 2014 8:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Being older/younger in class -- benefits, issues?
Replies: 98
Views: 4837

Re: How much water do you drink every day?

"Blind" taste test results - tap water wins (even though a majority of participants were bottled water drinkers! http://www.bostonmagazine.com/health/blog/2013/08/22/test-the-tap-boston-public-health-commission/ and a similar one in Washington DC: http://www.nbcwashington.com/news/local/DC...
by dm200
Mon Mar 31, 2014 8:46 pm
 
Forum: Personal Consumer Issues
Topic: How much water do you drink every day?
Replies: 70
Views: 2853
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