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Re: Fish from Costco?

and of course politics gets into it


On what basis do you see "politics" in this salmon issue/discussion/debate? I see it as a health/nutrition (and related issues) matter.
by dm200
Sat Mar 28, 2015 9:53 pm
 
Forum: Personal Consumer Issues
Topic: Fish from Costco?
Replies: 38
Views: 4571

Re: Graduating Medical Student- Rent vs. Buy in Residency

I think QOL would be better for my spouse with buying, as we could have a nicer place than if we rented.


While this is certainly not the only, nor perhaps the most important, factor - I strongly suspect this can make YOUR QOL better as well.
by dm200
Thu Mar 26, 2015 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Graduating Medical Student- Rent vs. Buy in Residency
Replies: 37
Views: 1940

Re: Graduating Medical Student- Rent vs. Buy in Residency

I find it interesting that the costs you cite for purchasing seem so favorable vs. renting. With a 5 year horizon, buying may not be that bad a choice. Would your "quality of life" be better with buying? Buying is likely to result in more stable costs over time - mortgage will not go up, b...
by dm200
Thu Mar 26, 2015 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Graduating Medical Student- Rent vs. Buy in Residency
Replies: 37
Views: 1940

Re: How mutual fund distribution affects performance?

Except for any tax considerations, reinvesting distributions (dividends, capital gains) in a mutual fund has zero affect on the performance of the fund.
by dm200
Tue Mar 24, 2015 11:36 am
 
Forum: Investing - Theory, News & General
Topic: How mutual fund distribution affects performance?
Replies: 6
Views: 730

Re: Fish from Costco?

I regularly get the following frozen fish from Costco:
1. Wild Alaska Salmonburgers
2. Hake fillets
3 (occasionally) Tilapia
4. (occasionally) other fillets/etc, when the price is right
by dm200
Mon Mar 23, 2015 12:15 pm
 
Forum: Personal Consumer Issues
Topic: Fish from Costco?
Replies: 38
Views: 4571

Re: Legal for Doctor to Cover Insurance Co-pay?

MD here. It is ILLEGAL to not charge a co-pay. It is considered an INDUCEMENT; your incentivize patients to take an expensive (for the insurance company) procedure with no risk to the patient. Additionally, it is considered ANTI-COMPETITIVE; you encourage patients to go to you vs your competition b...
by dm200
Mon Mar 23, 2015 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Legal for Doctor to Cover Insurance Co-pay?
Replies: 40
Views: 2893

Re: Any situations car leasing makes sense?

1. Leasing might make sense IF the vehicle is used for business and there are tax advantages to doing so. For personal use: 2. I do not know or understand the tax credit aspect for electric vehicles - so I cannot comment on that. 3. I do NOT believe it makes sense to lease for personal use: a. FACT:...
by dm200
Sun Mar 22, 2015 10:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any situations car leasing makes sense?
Replies: 63
Views: 5011

Re: ER/Urgent Care/AmWell online A Choice

The specialist would be a Internist 1. To the best of my understanding, in most cases, I would not consider an "internist" to be a specialist. Over most of my adult life, my primary care physicians have been "internists" (Internal medicine) 2. Email with my physicians is availab...
by dm200
Sun Mar 22, 2015 4:41 pm
 
Forum: Personal Consumer Issues
Topic: ER/Urgent Care/AmWell online A Choice
Replies: 4
Views: 348

Re: Splitting a Food Tab on a Combined Birthday Lunch

I and three friends celebrate each other's birthday by going out to lunch and birthday boy gets a free lunch. The check is split three ways. But now (for ease of scheduling) we combine two birthday lunches into one lunch. How is the check split now? Let's say Matthew, Mark, Luke and John's lunch ar...
by dm200
Sat Mar 21, 2015 11:12 pm
 
Forum: Personal Consumer Issues
Topic: Splitting a Food Tab on a Combined Birthday Lunch
Replies: 54
Views: 3681

Re: Hearse as daily driver?

Random Musings wrote:One upside is that they have good carrying capacity in the back.
RM


Yes - and the "hardware" to load, unload and keep the load from shifting during travel.
by dm200
Sat Mar 21, 2015 11:07 pm
 
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 3668

Re: Which credit union are you a member of?

Penfed (agree with the primitive website comments), which I mostly use for their rewards Visa. [u] Also USAA which like others I consider nearly a CU. [/u] I use it mostly has my checking account as longer term cash is held elsewhere. I really like USAA's ATM refunds and the ability to scan checks ...
by dm200
Thu Mar 19, 2015 10:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 4600

Re: Which credit union are you a member of?

Penfed (agree with the primitive website comments), which I mostly use for their rewards Visa. [u] Also USAA which like others I consider nearly a CU. [/u] I use it mostly has my checking account as longer term cash is held elsewhere. I really like USAA's ATM refunds and the ability to scan checks ...
by dm200
Thu Mar 19, 2015 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 4600

Re: >$250,000 portfolios with Vanguard? Insurance?

Vanguard brokered CDs are all from FDIC insured banks - but that limit is $250,000 (possibly able to be multiplied for some individuals with ownership differences). Credit unions insured by NCUA have the identical level of government backing as FDIC for banks. Almost all US credit unions are NCUA in...
by dm200
Thu Mar 19, 2015 3:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: >$250,000 portfolios with Vanguard? Insurance?
Replies: 19
Views: 3027

Re: NFCU Certificate offer

It is my understanding and belief that quite a few credit unions (anticipating an upcoming general increase in interest rates) are (or soon will be) promoting certificate (CD) accounts to lock in funds - and counter an expected outflow when rates increase. Also expect increased penalties for early w...
by dm200
Thu Mar 19, 2015 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: NFCU Certificate offer
Replies: 4
Views: 881

Re: 74% of car loans are subprime.

I'm surprised it's that high and find it a little hard to believe. Maybe it's just a particular segment of the market. Folks with poor credit who need transportation are stuck with double digit interest rates on used cars and dealers who repo upon first missed payment. Sometimes payments are demand...
by dm200
Thu Mar 19, 2015 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: 74% of car loans are subprime.
Replies: 29
Views: 2012

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

I checked just now on Experian, and it reported a bill in collection from a City bill for a $78 rental tax, which had gone to a previous address and had gotten returned to the City. I'm curious, was this item clearly shown on the Experian report so you could easily determine what it was? I'm wonder...
by dm200
Tue Mar 17, 2015 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 56
Views: 2877

Re: Medicare Card and Medicare Advantage

I would IMMEDIATELY call/contact the Medicare Advantage Plan qbout this whole matter and ask for their assistance and advice. It is my understanding, generally speaking, that in MA plans, the plan replaces "traditional medicare" - BUT there are or may be exceptions. That is what the partic...
by dm200
Tue Mar 17, 2015 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Card and Medicare Advantage
Replies: 11
Views: 783

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

I am in the credit/loan business and see credit reports and scores all the time. A few observations and comments: 1. From what you describe, although I don't know or see all the details, I would be a bit puzzled both by the initial somewhat low score and the drop of 100 points. I am 99.9% sure somet...
by dm200
Tue Mar 17, 2015 2:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 56
Views: 2877

Re: How Much To Negotiate Realtor Commission

While in multiple ways, I find the percentage of sale price for real estate sales commissions "puzzling" - that is the way the business is set up. We also live in the DC area and our home (purchased in the 1970's) is valued at over $500K - this price in this area is a "starter" f...
by dm200
Tue Mar 17, 2015 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Much To Negotiate Realtor Commission
Replies: 31
Views: 2718

Re: One Level or Two Level House

Using the stairs of a two level home will extend your life by strengthening your legs, increase balance and offer some aerobic benefits. Make sure you have a bannister for occasional assistance. Use them as much as possible. Stealth health! Although I have no medical/health "expertise", p...
by dm200
Tue Mar 17, 2015 2:15 pm
 
Forum: Personal Consumer Issues
Topic: One Level or Two Level House
Replies: 68
Views: 5605

Re: What are Costco's best deals?

Hey,no business is perfect and sometimes there are problems.I will just leave it at when you consider everything Costco offers from food to electronics,there is no other store that is their equal.I have some bad produce as well and I returned it as well as many other things....they have the best re...
by dm200
Mon Mar 16, 2015 3:11 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 19956

Re: Retirement Issues: Life Expectancy

For those of us of a certain age that have been baseball fans - Mickey Mantle was a top baseball star of our youth. His father died young and Mickey did not, to say the least, leave a "healthy" lifestyle. Later in his life, beset with many health/medical complications - he is quoted, http:...
by dm200
Sat Mar 14, 2015 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Issues: Life Expectancy
Replies: 24
Views: 2206

Re: Board certification alternative (medicine)

A certain national office holder is also a Medical Doctor - who fought against an aspect of board certification in his specialty. I do NOT want to get into either the politics of this, not do I want to get into health/medical issues (both outside the nature of diehards.org). My point is only to high...
by dm200
Sat Mar 14, 2015 2:13 pm
 
Forum: Personal Consumer Issues
Topic: Board certification alternative (medicine)
Replies: 10
Views: 1181

Re: handling debt collection agency

The good news is that medical collections are the easiest collections to delete from credit reports. I'm not familiar with the details but there is some provision in HIPAA used as an argument to delete medical collections. Google HIPAA violation and credit report and collections. The Creditboards.o...
by dm200
Sat Mar 14, 2015 2:01 pm
 
Forum: Personal Consumer Issues
Topic: handling debt collection agency
Replies: 24
Views: 1273

Re: Not sure what to do with rental condo

In my opinion, one very important factor to investigate, evaluate, etc. with this condo pertains to the percentage of owner/residents vs. rental units (like yours). Are there any current limits on what percentage of rentals are allowed? If there is a cap, and rentals are at (or near) that cap - you ...
by dm200
Sat Mar 14, 2015 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Not sure what to do with rental condo
Replies: 25
Views: 1643

Re: Providing hotel options for wedding guests

It is (or may be) the case for events (like conferences, weddings, etc.) held at a hotel itself, the hotel "negotiates" the price of the event planning to offset a "deal" offered by making it up on profitable rooms. [Frankly, I don't think much of this] One time I registered for ...
by dm200
Sat Mar 14, 2015 1:34 pm
 
Forum: Personal Consumer Issues
Topic: Providing hotel options for wedding guests
Replies: 9
Views: 1040

Re: handling debt collection agency

One added suggestion - get a copy of your credit report (the free one will do) and see if or how this debt is listed.
by dm200
Sat Mar 14, 2015 1:24 pm
 
Forum: Personal Consumer Issues
Topic: handling debt collection agency
Replies: 24
Views: 1273

Re: handling debt collection agency

1. Since this is a legitimate bill that you did not (and have not yet) pay, there would be no justification for "removing" it from your credit report. What you want to do is get it in a "paid" status. Small, paid medical type bills will hurt your credit score - but as time goes o...
by dm200
Sat Mar 14, 2015 12:07 pm
 
Forum: Personal Consumer Issues
Topic: handling debt collection agency
Replies: 24
Views: 1273

Re: Personal Bankers

I can understand if high balances are involved but from I was told , the consultant only uses that account to pay bills and expenses. He does not use if for investments. He just makes sure that he is above the required balance that is needed to keep the accounts and not get charged. It just boggles...
by dm200
Fri Mar 13, 2015 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Personal Bankers
Replies: 6
Views: 1084

Re: Personal Bankers

There is a consultant I know who was getting called every couple of weeks by a personal banker who wanted to have a meeting with him and talk to him about his accounts. The consultant would always politely turn him down and hoped he would get the hint. But the personal banker kept calling. Finally ...
by dm200
Thu Mar 12, 2015 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Personal Bankers
Replies: 6
Views: 1084

Re: The BIG question Regarding Home Loan

To calculate what you want to know, what is needed is the monthly payment due for principal and interest only (take out taxes and insurance) and the current balance of the loan (principal). So, just as an example, let's say you took out the original mortgage on July 1, 2014 in the amount of $130,000...
by dm200
Thu Mar 12, 2015 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: The BIG question Regarding Home Loan
Replies: 14
Views: 2362

Re: Credit Check to Rent an Apartment?

. and if the word union is in it skip that one. :wink:


Before I make a comment/response - please explain/ealborate this sentence.
by dm200
Wed Mar 11, 2015 8:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Check to Rent an Apartment?
Replies: 23
Views: 1519

Re: Credit Check to Rent an Apartment?

A credit report is a near certain requirement for renting an apartment. In addition to showing the potential renter's credit history, a credit report can also help verify/validate the identity of the potential renter - and something about his/her "activities" over recent years. A landlord,...
by dm200
Wed Mar 11, 2015 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Check to Rent an Apartment?
Replies: 23
Views: 1519

Re: Renting out a private room in primary residence

Some information may not be 100% current, but a few years ago (before I was married) a friend of mine owned a single family home and, for a few years, has several others in the house, paying rent, etc. I was there for a while and, when he moved away from the area - and kept the house for a year or t...
by dm200
Wed Mar 11, 2015 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting out a private room in primary residence
Replies: 17
Views: 1794

Re: High Cost of Fruits and Vegetables

My current beliefs, attitude and experience: 1. About four years ago, I "got healthy" (in several ways) and this included a goal/target of 9 or 10 servings per day of vegetables and fruit. An important factor, for me, was also to accomplish this in a cost-effective way. 2. I can't quote a...
by dm200
Wed Mar 11, 2015 8:09 pm
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 6993

Re: High Cost of Fruits and Vegetables

I buy the frozen strawberries and mixed berries from Costco and make a smoothie every morning. I figure that is good for at least 2-3 servings of fruits. I also do 2 big bags of baby carrots (costco, huge bag) and cucumbers and red/orange/yellow peppers when I'm at home. Only non-frozen fruits we u...
by dm200
Wed Mar 11, 2015 8:06 pm
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 6993

Re: Old homes and radiator heating

Hot water radiators get too hot to touch comfortably, but having raised 2 children in this house that was a lesson they learned fairly quickly without any actual harm. Exactly my experience, opinion and recollection with hot water (not steam) radiators. My one, direct and well-remembered, experienc...
by dm200
Wed Mar 11, 2015 8:02 pm
 
Forum: Personal Consumer Issues
Topic: Old homes and radiator heating
Replies: 41
Views: 1759

Re: Old homes and radiator heating

--burn hazard for small children This is probably true for STEAM heat, but the residential systems I have seen (and have been in the house I grew up in, as well as my current home) are hot water and I do not think there is any such danger. Regarding forced air vs. radiators/baseboard heating drying...
by dm200
Tue Mar 10, 2015 11:13 pm
 
Forum: Personal Consumer Issues
Topic: Old homes and radiator heating
Replies: 41
Views: 1759

Re: Old homes and radiator heating

I grew up in an old home - with radiators. Many advantages to radiators, including places to put wet gloves,mittens, etc - when coming in from the cold and snow. Our current home, built in late 1930's still has the original radiators - and are still "gravity" - no pump. I would NOT remove/...
by dm200
Tue Mar 10, 2015 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Old homes and radiator heating
Replies: 41
Views: 1759

Re: High Cost of Fruits and Vegetables

My current beliefs, attitude and experience: 1. About four years ago, I "got healthy" (in several ways) and this included a goal/target of 9 or 10 servings per day of vegetables and fruit. An important factor, for me, was also to accomplish this in a cost-effective way. 2. I can't quote a ...
by dm200
Tue Mar 10, 2015 2:43 pm
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 6993

Re: Home workouts and motivation

For me - going to the gym almost every day is actually motivating - and I have been doing that for almost 4 years now (am in my late 60's). [Avtually one of 3 different county gyms - open at slightly different times different days, going to one most of the time]. These are County gyms - and the disc...
by dm200
Sun Mar 08, 2015 10:42 pm
 
Forum: Personal Consumer Issues
Topic: Home workouts and motivation
Replies: 60
Views: 2816

Re: What are Costco's best deals?

We actually signed up for our first year's membership at Costco. I have mixed feelings about it, but one thing about them really pissed me off... During flu season, there was a sign next to the pharmacy saying that they accept all insurances and it would cost $15 per shot. At almost every grocery s...
by dm200
Fri Mar 06, 2015 7:09 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 19956

Re: Safe investment for 1 year

As far as I know, there are no truly "safe" investments (ones with no possibility of loss) for one year - except for NCUA or FDIC insured savings accounts, CDs (or certificates), or an individual federal government bond (maturing in one year). Vanguard brokered CDs are now paying about 0.6...
by dm200
Wed Mar 04, 2015 10:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Safe investment for 1 year
Replies: 13
Views: 1246

Re: Helping a Parent by Becoming a Landlord

A few considerations (that may or may not be relevant to your situation): 1. Is the current home desirable for her living (and other) situation? If so, suggest looking for ways to stay there. 2. Some jurisdictions (mine does, and I get a big benefit) have real estate tax deferral or exemption for th...
by dm200
Tue Mar 03, 2015 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Helping a Parent by Becoming a Landlord
Replies: 10
Views: 796

Re: What are Costco's best deals?

Wow, I am impressed with small households who find they can use the Costco items effectively. The only individually packaged foods I saw there were snack bars and the like (don't eat those) and individually frozen fish filets and similar (which might work if I had the freezer room and didn't care t...
by dm200
Tue Mar 03, 2015 10:06 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 19956

Re: What are Costco's best deals?

I save money by NOT going to Costco, since I avoid the waste and unnecessary super-sizing that goes on at Costco for my small family. A lot of folks who swear by Costco prices and don't run huge households ignore this reality - just because you pay 10% less for a retail item at Costco, doesn't mean...
by dm200
Tue Mar 03, 2015 6:58 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 19956

Re: Buying a used motorcycle, borrow to avoid scam

You are wise to be very cautious. And as others have said, I believe you will be the one left without, if you are relying on the bank to protect your interests. I haven't read all of the posts, but I will share a few quick thoughts to consider (though probably overkill): -If he gives you his addres...
by dm200
Sun Mar 01, 2015 10:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a used motorcycle, borrow to avoid scam
Replies: 22
Views: 1086

Re: Buying a used motorcycle, borrow to avoid scam

I am about to buy a used motorcycle from a private party.To avoid all the horror stories I read about scams (and possible mugging if I have to show up with wads of cash…), I plan to finance it 100% even tough I have the funds available, make an appointment to close at a bank branch where a banker n...
by dm200
Sun Mar 01, 2015 8:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a used motorcycle, borrow to avoid scam
Replies: 22
Views: 1086

Re: Favorite Vacation/Trip

Two other nice vacations we took were cruises to Bermuda. I liked being "at sea" for 2+ days both going and returning. There were about 2+ days in Bermuda. Others may like cruises that stop in many different places, often every day - but that kind of cruise does not appeal to me.
by dm200
Sun Mar 01, 2015 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 40
Views: 4445

Re: Strange Billing Practice by Medical Provider

Sorry for any confusion, it was not directed at you


ok. :happy
by dm200
Sun Mar 01, 2015 12:50 am
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 59
Views: 5400
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