Search found 11910 matches

by dm200
Sun Apr 30, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 15
Views: 719

Re: Federal Retiree Health Care with/Medicare

In addition BCBS does not reduce its premium when you take Medicare. We would end up paying slightly more than what we were paying for BCBS for coverage that only saved me from paying the deductible. I decided to pass on part B Yes, that is a frequent decision of such retirees, although I have spok...
by dm200
Sun Apr 30, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 15
Views: 719

Re: Federal Retiree Health Care with/Medicare

Because there was no COLA on Social Security that year, new enrollees to Medicare part B had to cover the cost increases to Medicare Part B for everyone. Not exactly. The initial hit would have done this, but Congressional legislation softened the full hot. New enrolees (such as my wife) paid more ...
by dm200
Sun Apr 30, 2017 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: does vanguard give a transfer bonus
Replies: 5
Views: 713

Re: does vanguard give a transfer bonus

The "bonus" would be immediately lower fees/charges.
by dm200
Sun Apr 30, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Kaiser Senior Advantage for Medicare
Replies: 48
Views: 4579

Re: Anyone use Kaiser Senior Advantage for Medicare

I have no idea what Kwan was talking about regarding long waits to see doctors.Kwan is very misinformed. I'd agree. I live in SoCal and have known people going back twenty years who have been extremely happy with Kaiser in Central LA. First thing I remember hearing was how convenient it is with eve...
by dm200
Sun Apr 30, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: Insurance for trip to Seoul Korea
Replies: 16
Views: 1088

Re: Insurance for trip to Seoul Korea

N one of these insurances evacuation coverage would pay for that (they cover medically necessary evacuation) - if that is really what concerns you then you should get a Medjet Assist membership though even they exclude coverage for most typical fractures and sprains. I did not know this. Years ago,...
by dm200
Sun Apr 30, 2017 10:35 am
Forum: Investing - Help with Personal Investments
Topic: 5 year cd - to open or not
Replies: 21
Views: 1613

Re: 5 year cd - to open or not

"Depending on your tax bracket, you may want to compare the after tax yields on the CD with those of a tax exempt short term bond fund." Please correct me if I am wrong but you would need to compare your expected after tax rate when the CD was redeemed or taken early. Is that correct? CD ...
by dm200
Sun Apr 30, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Co-pay health insurance- Varying costs for specific and same blood tests needed regularly?
Replies: 24
Views: 937

Re: Co-pay health insurance- Varying costs for specific and same blood tests needed regularly?

Labs can vary in quality. I'd be leery of going to a place that didn't require a doctor's order, unless my doctor (or other reputable research of some sort, beyond they lab itself telling me that they're great) could tell me that the lab was truly reputable. Anyone can print out "results."...
by dm200
Sun Apr 30, 2017 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 15
Views: 719

Re: Federal Retiree Health Care with/Medicare

Although this situation has become much less common, I know someone (federal employee/retiree) who was burned by making this mistake. While federal employees have, in my opinion, excellent health insurance benefits, they pay for a part of the coverage. There are still a few private employers that pa...
by dm200
Sun Apr 30, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 15
Views: 719

Re: Federal Retiree Health Care with/Medicare

My question is whether there is any additional benefit to being a federal retiree with healthcare than regular Joe Citizen with private healthcare when it comes time for Medicare...in other words, I am nearly completely ignorant about Medicare and get lost in the terminology. I have heard that fede...
by dm200
Sun Apr 30, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: Insurance for trip to Seoul Korea
Replies: 16
Views: 1088

Re: Insurance for trip to Seoul Korea

For a two week trip to a developed city with very good healthcare available at reasonable costs I would self-insure. The main issue I would be concerned about is travel back if seriously injured. You could be in a country with just as good (or better) healthcare as the US, but f you have broken rib...
by dm200
Sun Apr 30, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 15
Views: 719

Re: Federal Retiree Health Care with/Medicare

Although I could retire now, I have been convinced by several that I should stick it out for the time when I am eligible to take my federal retiree health care with me. So, I'll pay the premium when I retire and one day, I will reach the age for Medicare eligibility. How do federal employees with t...
by dm200
Sat Apr 29, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: Insurance for trip to Seoul Korea
Replies: 16
Views: 1088

Re: Insurance for trip to Seoul Korea

I will be traveling abroad for the first time in Sept. Medicare doesn't cover any expenses out of the USA. What should I look for when buying a 2 week medical insurance policy? Is there other insurance I should look into? Any other good tips to follow when traveling abroad? Thanks Lilly Take Iodine...
by dm200
Sat Apr 29, 2017 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for a new role with same employer - salary negotiation
Replies: 13
Views: 870

Re: Applying for a new role with same employer - salary negotiation

In 2015, I applied for a more senior role in a totally different job family and got it. I got a hike of 10k, as the new job had more responsibility and more customer interaction. However, when I formally started my first day in the new role and looked at the range of my new role on the system, I sa...
by dm200
Sat Apr 29, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: Anyone use independent rental car insurance
Replies: 15
Views: 714

Re: Anyone use independent rental car insurance

The last time I rented (Enterprise) there were 3 or 4 different insurance choices/charges. I waived the liability and collision because I have both on my owned vehicles. This whole business is both very confusing and expensive (if you choose to buy), yet I think if you make a mistake you could be on...
by dm200
Sat Apr 29, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: 5 year cd - to open or not
Replies: 21
Views: 1613

Re: 5 year cd - to open or not

May be I am missing something here, isn't just one big 50k 5 year cd better ? That way I can get higher rate while I wait for higher cd rates. If that does not happen, I will get 2.25 anyway. Assuming I will not need that 50k for next 5 years. You're not missing anything. Laddering is basically an ...
by dm200
Sat Apr 29, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: 5 year cd - to open or not
Replies: 21
Views: 1613

Re: 5 year cd - to open or not

5yr CDs are fine, but why not ladder it, investing over the next year or so? New to ladder concept - so open a new 10k cd every x months ? Not necessarily. Depends on how long a ladder and how many "rungs". One example - if you have $50k and five year ladder. Do $10k for 1,2,3,4 5 years. ...
by dm200
Sat Apr 29, 2017 10:50 am
Forum: Investing - Help with Personal Investments
Topic: 5 year cd - to open or not
Replies: 21
Views: 1613

Re: 5 year cd - to open or not

I have about 50k in cash that is now just sitting in ally savings. I am debating to open Ally 5 year cd 2.25% with 50k all-in. Assuming cd rates will not be much higher than that in next year or so, even if i break the cd after a year and pay early withdrawal, yield will still be better than 1%. An...
by dm200
Sat Apr 29, 2017 10:49 am
Forum: Investing - Help with Personal Investments
Topic: 5 year cd - to open or not
Replies: 21
Views: 1613

Re: 5 year cd - to open or not

whodidntante wrote:It is risky to assume you will be allowed to break a CD and pay an EWP. This is often true, but not always.


Yes read the fine print on direct issue.

Brokered CDs cannot be redeemed early - but can be sold on secondary market - but that could be a significant loss.
by dm200
Sat Apr 29, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Anyone use Kaiser Senior Advantage for Medicare
Replies: 48
Views: 4579

Re: Anyone use Kaiser Senior Advantage for Medicare

hoops777 wrote:I have no idea what Kwan was talking about regarding long waits to see doctors.Kwan is very misinformed.


In the Washington DC area, never long waits for anything time critical. Very routine followups, such as Ophthalmology and Endocrinoloty for me, may be 1-2 months in the future.
by dm200
Sat Apr 29, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance? How much to get? How much do people have?
Replies: 8
Views: 641

Re: Auto Insurance? How much to get? How much do people have?

Currently a medical resident and moving to a new state so I'm reevaluating my auto insurance policies and what I need on our two vehicles (both 2016 Honda CR-V). We have a sizable emergency fund. I've been doing some reading and the general recommendation is to get a lot of liability insurance, con...
by dm200
Sat Apr 29, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Co-pay health insurance- Varying costs for specific and same blood tests needed regularly?
Replies: 24
Views: 937

Re: Co-pay health insurance- Varying costs for specific and same blood tests needed regularly?

What is frustrating and totally impossible to input into our medical budget is the varying co-insurance amount (even if my husband has the same type of bloodwork),from one rheumatologist to another. That difference seems especially puzzling. Perhaps the different specialists prefer or use different...
by dm200
Sat Apr 29, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Major health issue - finding new employment with health coverage
Replies: 35
Views: 2399

Re: Major health issue - finding new employment with health coverage

I haven't had time to read all the replies. I have read of scenarios like this: small company one employee has giant medical bills insurance company raises the small company's rates through the ceiling small company has to let the employee go as it just can't afford the rates. This is the scenario ...
by dm200
Fri Apr 28, 2017 5:27 pm
Forum: Investing - Theory, News & General
Topic: Five year CD paying more than 10 yr. treasury
Replies: 19
Views: 2292

Re: Five year CD paying more than 10 yr. treasury

I'm personally a big fan of using CDs as part of a bond allocation.


So am I, if you can stay within the FDIC and NCUA federal insurance limits.
by dm200
Fri Apr 28, 2017 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Starting a side business
Replies: 15
Views: 648

Re: Starting a side business

Might you get another person involved? Perhaps someone with some different experiences and you can back each other up.
by dm200
Fri Apr 28, 2017 1:04 pm
Forum: Investing - Theory, News & General
Topic: Five year CD paying more than 10 yr. treasury
Replies: 19
Views: 2292

Re: Five year CD paying more than 10 yr. treasury

While it's true that the ten year Treasuries have greater liquidity, they also carry greater interest rate risk and inflation risk. That's five additional years in which time interest rates could go up, leaving you stuck with a 2.3% yield, as well as five additional years in which inflation could r...
by dm200
Fri Apr 28, 2017 12:42 pm
Forum: Investing - Theory, News & General
Topic: Five year CD paying more than 10 yr. treasury
Replies: 19
Views: 2292

Re: Five year CD paying more than 10 yr. treasury

I noticed a few minutes ago that five year CD's at Schwab are paying 2.35 percent. The ten year treasury bond is quoted at yield of 2. 30 percent. Why would a five year CD pay more than a 10 year treasury? It cant be liquidity alone ( I don't think). Are the CDs callable? That could be another reas...
by dm200
Fri Apr 28, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Co-pay health insurance- Varying costs for specific and same blood tests needed regularly?
Replies: 24
Views: 937

Re: Co-pay health insurance- Varying costs for specific and same blood tests needed regularly?

What is frustrating and totally impossible to input into our medical budget is the varying co-insurance amount (even if my husband has the same type of bloodwork),from one rheumatologist to another. That difference seems especially puzzling. Perhaps the different specialists prefer or use different...
by dm200
Fri Apr 28, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Co-pay health insurance- Varying costs for specific and same blood tests needed regularly?
Replies: 24
Views: 937

Re: Co-pay health insurance- Varying costs for specific and same blood tests needed regularly?

First - you have the right to choose where your lab work is done. It may make your physician unhappy to retrieve your results from a different lab, but you may still choose. Second - I've understood that the insurance company sets the price of a particular lab test in their contract. So, provided t...
by dm200
Fri Apr 28, 2017 10:44 am
Forum: Investing - Theory, News & General
Topic: Five year CD paying more than 10 yr. treasury
Replies: 19
Views: 2292

Re: Five year CD paying more than 10 yr. treasury

I noticed a few minutes ago that five year CD's at Schwab are paying 2.35 percent. The ten year treasury bond is quoted at yield of 2. 30 percent. Why would a five year CD pay more than a 10 year treasury? It cant be liquidity alone ( I don't think). I believe that is common and normal. For organiz...
by dm200
Fri Apr 28, 2017 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Sell Condo or Rent it out
Replies: 16
Views: 1225

Re: Sell Condo or Rent it out

Hi Bogleheads, I currently live in a condo I bought new from the builder 1.5 years ago. I'm moving 90 miles (1.5 hours) away for work permanently with little reason to be back in the area. I paid $461k for the condo, it appraised at $530k. I got it in a firesale from the builder as the original buy...
by dm200
Thu Apr 27, 2017 4:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Lower ER .04%
Replies: 56
Views: 5404

Re: Vanguard New Lower ER .04%

Vanguard, being owned by its customers, will always have a competitive advantage over other firms that will eventually need to make a profit. I wouldn't be surprised if Fidelity and Schwab reverse course once they roped in enough customers from these loss leaders. It's happened before. No, I do not...
by dm200
Thu Apr 27, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 81
Views: 6362

Re: Removing a tree - expensive!!!

Just like not all trees are the same, not all stumps are either. That massive maple of mine had a stump that cost $420 to grind out. They had to bring in a very large machine for that. A crabapple stump on the same job was $70. Again, I wouldn't worry about what people on a forum think are the righ...
by dm200
Thu Apr 27, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Major health issue - finding new employment with health coverage
Replies: 35
Views: 2399

Re: Major health issue - finding new employment with health coverage

Something I haven't seen mentioned but that could be an issue to OP, I would think: in my experience, companies can change their healthcare coverage terms as well as their healthcare providers. In that regard, I would think that OP may want to consider the prospect of said employer's coverage possi...
by dm200
Thu Apr 27, 2017 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Cash allocation and Joint account holder greed
Replies: 10
Views: 552

Re: Cash allocation and Joint account holder greed

from credit.com: Having a collection account updated as “paid” generally does not help your scores The visit was a case of Nursemaid's elbow on my 4 year old. They took a scan, saw it wasn't displaced, and the doctor physically shifted her elbow back into place. Insurance paid nothing; at the time ...
by dm200
Thu Apr 27, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Kaiser Senior Advantage for Medicare
Replies: 48
Views: 4579

Re: Anyone use Kaiser Senior Advantage for Medicare

dm200, my question was directed to the underlined portion in kwan2's post alleging "long waiting lists" to see physicians with NorCal Kaiser SA. None of my relatives in NorCal experienced any waiting to see physicians. My parents' experience with Kaiser SA has been similar to yours. My fa...
by dm200
Thu Apr 27, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Cash allocation and Joint account holder greed
Replies: 10
Views: 552

Re: Cash allocation and Joint account holder greed

My dad also “forgot” to remove her name as the Beneficiary on one of his retirement accounts after the depressing divorce. I found this when he died in 2012. My stepmom and I had an Okay relationship, I thought, but I never heard from her again after we met and I asked her for the funds for me and ...
by dm200
Thu Apr 27, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 81
Views: 6362

Re: Removing a tree - expensive!!!

It is not required to actually remove the stump, so we won't do that. Stump removal would be an ADDITIONAL $650. This bit of information confirms that they are trying to fleece you. Tree removal seemed high, but in high cost areas such as NE, not outlandishly so. But - stump should be between 50 an...
by dm200
Thu Apr 27, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 4488

Re: $300+ to remove a racoon. Really?

Based on my experiences growing up on a farm and how terrible these raccoons can be, my opinion is that the folks who push "protection" for such critters do not really understand how awful they can be.
by dm200
Thu Apr 27, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: I thought I understood MF expense ratios -
Replies: 17
Views: 1365

Re: I thought I understood MF expense ratios -

That is incorrect - trading costs are not included in 'other (operating) expenses'. Generally turnover rate is used as a proxy for magnitude of trading costs.


This has been my understanding as well.
by dm200
Thu Apr 27, 2017 10:36 am
Forum: Investing - Help with Personal Investments
Topic: I thought I understood MF expense ratios -
Replies: 17
Views: 1365

Re: I thought I understood MF expense ratios -

The fund's trading expense,


OK.
by dm200
Thu Apr 27, 2017 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Best strategy for retaining tenants?
Replies: 30
Views: 1957

Re: Best strategy for retaining tenants?

I question some of the recommendations to let them go month-to-month. If OP's biggest concern is the lost time/money in having to fly back and show the apartment if current tenants move out, then it behooves him lock current tenants into another year (or two) lease rather than have them go month-to...
by dm200
Thu Apr 27, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: I thought I understood MF expense ratios -
Replies: 17
Views: 1365

Re: I thought I understood MF expense ratios -

My understanding was that trading costs are part of the expense ratio. Also, I thought that the expenses are removed on an average basis, not on a day-to-day basis, which would mean that someone who gets in today COB will be worse off than someone who gets in tomorrow COB, if tomorrow was when, say...
by dm200
Thu Apr 27, 2017 10:07 am
Forum: Investing - Help with Personal Investments
Topic: I thought I understood MF expense ratios -
Replies: 17
Views: 1365

Re: I thought I understood MF expense ratios -

I thought I understood Vanguard MF expense ratios, but some recent posts have confused me. It was my understanding that the published expense ratio was charged daily until a new (higher or lower) ratio was disclosed. Is this correct? The expenses that go into the expense ratio can be broken down in...
by dm200
Thu Apr 27, 2017 9:34 am
Forum: Investing - Help with Personal Investments
Topic: I thought I understood MF expense ratios -
Replies: 17
Views: 1365

I thought I understood MF expense ratios -

I thought I understood Vanguard MF expense ratios, but some recent posts have confused me.

It was my understanding that the published expense ratio was charged daily until a new (higher or lower) ratio was disclosed. Is this correct?
by dm200
Thu Apr 27, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Best strategy for retaining tenants?
Replies: 30
Views: 1957

Re: Best strategy for retaining tenants?

I question some of the recommendations to let them go month-to-month. If OP's biggest concern is the lost time/money in having to fly back and show the apartment if current tenants move out, then it behooves him lock current tenants into another year (or two) lease rather than have them go month-to...
by dm200
Thu Apr 27, 2017 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating commercial lease- advice
Replies: 11
Views: 756

Re: Negotiating commercial lease- advice

While a longer lease can get better terms, be aware that the needs of the organization may change making the leased space too small or too large.
by dm200
Thu Apr 27, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: Doctor bill question
Replies: 29
Views: 1860

Re: Doctor bill question

The degree to which a primary care health practice uses Nurse Practioners is, I believe, a factor in choosing a Primary Care practice. Use of NPs can be either positive or negative, depending on the specifics of the NP and the attitude of the patient. With previous primary care physicians, I never ...
by dm200
Thu Apr 27, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: When does it make sense to stop paying to repair your old vehicle?
Replies: 56
Views: 3562

Re: When does it make sense to stop paying to repair your old vehicle?

We use and have used several "tests" over the years and decades: 1. Is the vehicle safe (if repaired)? 2. How many months of replacement financing does the repair cover? So, if the payment on a replacement is $300/mo and the repair is $900 - that is 3 months. 3. Can you deal with repairs a...
by dm200
Thu Apr 27, 2017 7:25 am
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 81
Views: 6362

Re: Removing a tree - expensive!!!

In the old days I was fearless and I have a chainsaw and I would cut down any tree. May be it is age or maybe it is common sense but the next few trees near our house looked like trouble. We had asked the landscape architect where we could get a tree guy, which would not cost us a fortune. The guy,...
by dm200
Thu Apr 27, 2017 7:22 am
Forum: Personal Consumer Issues
Topic: Doctor bill question
Replies: 29
Views: 1860

Re: Doctor bill question

The degree to which a primary care health practice uses Nurse Practioners is, I believe, a factor in choosing a Primary Care practice. Use of NPs can be either positive or negative, depending on the specifics of the NP and the attitude of the patient. With previous primary care physicians, I never ...

Go to advanced search