Search found 9579 matches

by dm200
Sat Sep 24, 2016 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Out of Pocket Costs for Employer Self Insured Medical Plans
Replies: 17
Views: 643

Re: Out of Pocket Costs for Employer Self Insured Medical Plans

As best I understand, to get on medicare early, you must be on Social Security Disability for two years.

I also wonder if you could qualify for a no medical underwriting Obamacare plan if you have employer provided coverage.
by dm200
Sat Sep 24, 2016 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Out of Pocket Costs for Employer Self Insured Medical Plans
Replies: 17
Views: 643

Re: Out of Pocket Costs for Employer Self Insured Medical Plans

This would have been easy for me. I would have concluded that the employer plan was useless. I would then have got a private policy. Did you consider that? Certainly for next year you will do so I hope. I'd also look for another job as this employer doesn't care about the employees to subject them ...
by dm200
Sat Sep 24, 2016 4:29 pm
Forum: Personal Consumer Issues
Topic: Facebook - stop getting some posts?
Replies: 4
Views: 362

Re: Facebook - stop getting some posts?

BL wrote:There should be a v on the right; click on that to get some choices such as hide or unfollow.


Thanks :)
by dm200
Sat Sep 24, 2016 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: TSP - Surviving spouse should probably move out of the TSP
Replies: 7
Views: 670

Re: TSP - Surviving spouse should probably move out of the TSP

Another factor to consider is "asset protection", IMO. I am quite sure that employer retirement accounts have (or may have) greater protection from creditors than IRAs.
by dm200
Sat Sep 24, 2016 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Can adult child gift money back to parent?
Replies: 23
Views: 2318

Re: Can adult child gift money back to parent?

Another alternative, perhaps worth considering - depending on the circumstances, may be to pay some expenses or obligations of the parents directly. Maybe pay directly for a vacation or cruise, for example.
by dm200
Sat Sep 24, 2016 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Out of Pocket Costs for Employer Self Insured Medical Plans
Replies: 17
Views: 643

Re: Out of Pocket Costs for Employer Self Insured Medical Plans

I thought (could be wrong) that even employer "self insured" plans were "administered" (and backed) by an insurance company. In other words, the details of the funding of the basic health insurance were irrelevant to what covered employees experienced. I also am under the impress...
by dm200
Sat Sep 24, 2016 11:14 am
Forum: Personal Consumer Issues
Topic: Facebook - stop getting some posts?
Replies: 4
Views: 362

Facebook - stop getting some posts?

On my Facebook, I am getting bombarded by several entities that I do not recall "friending" (or anything like that). One is a regular joke series; another is an old time 50's and 60's, etc. How can I stop the ones I do not want?
by dm200
Sat Sep 24, 2016 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Can adult child gift money back to parent?
Replies: 23
Views: 2318

Re: Can adult child gift money back to parent?

One aspect that I would suggest is that if/when the adult child pays you back that any and all documents (such as checks) be termed "gift" and not "repayment" or use the term loan or lending in any way. As described in the OP, parents are giving money to the adult child for a hou...
by dm200
Sat Sep 24, 2016 9:44 am
Forum: Personal Consumer Issues
Topic: 100 Things Not Worth a Penny
Replies: 32
Views: 2128

Re: 100 Things Not Worth a Penny

Not necessarily in any order: 1. Bottled water (especially individual bottles) 2. Extended warranties on appliances, vehicles, etc. (UNLESS provided at NO CHARGE) 3, Service plans on auto purchase (UNLESS provided at NO CHARGE) 4. Auto purchase "processing fee" (often $300-$500) 5. GAP Ins...
by dm200
Fri Sep 23, 2016 1:54 pm
Forum: Personal Consumer Issues
Topic: Cosigning a new car lease for sister out of state
Replies: 52
Views: 1722

Re: Cosigning a new car lease for sister out of state

Thanks all. Here's the outcome of all this: She got her local millionaire friend to cosign the lease. I told her what has been said on this thread by all my fellow Bogleheads. Not good enough. She will continue to act as though she has much more funds available than she actually does. She will run ...
by dm200
Fri Sep 23, 2016 10:26 am
Forum: Personal Consumer Issues
Topic: Cosigning a new car lease for sister out of state
Replies: 52
Views: 1722

Re: Cosigning a new car lease for sister out of state

The one part of this that I would agree with is that, since the OP is not there in person, any signatures be notarized. Her credit must be really terrible for her not being able to qualify for a lease - especially with an offer of a significant amount down. Leasing standards are not all that stringe...
by dm200
Fri Sep 23, 2016 10:16 am
Forum: Personal Consumer Issues
Topic: Tenant responsible for appliances?
Replies: 20
Views: 1076

Re: Tenant responsible for appliances?

It has been a long time since I was a renter, but in this area the "custom" or standard is that rental houses come with a refrigerator. In some areas of the country, rentals did not come with refrigerators.
by dm200
Fri Sep 23, 2016 8:48 am
Forum: Personal Consumer Issues
Topic: Cosigning a new car lease for sister out of state
Replies: 52
Views: 1722

Re: Cosigning a new car lease for sister out of state

Not an attorney, but I would not give the dealer POA. Period. I am sure there will be other, similar posts. When you "cosign" a lease, loan, etc. you take on significant risk - often well beyond the monthly payments. In addition to other reasons, IMO, those risks are sufficient reason to ...
by dm200
Fri Sep 23, 2016 8:25 am
Forum: Personal Consumer Issues
Topic: Should I appeal dental claim denial?
Replies: 27
Views: 1617

Re: Should I appeal dental claim denial?

johnubc wrote:if they wanted to not include the child who was age 9 and one day, they should have stated coverage was for under 9 years old.


I understand and interpret these as identical:

"under 9 years old" and
"up to 9 years old"

How are the two different?
by dm200
Fri Sep 23, 2016 8:07 am
Forum: Personal Consumer Issues
Topic: Cosigning a new car lease for sister out of state
Replies: 52
Views: 1722

Re: Cosigning a new car lease for sister out of state

As best I recall, at one time an auto lease was not reported on a credit report. Now, though, auto leases do show as obligations on credit reports. As a MUCH safer and lower risk alternative to "cosigning" a loan for someone, if circumstances permit, I would consider a "share secured&...
by dm200
Fri Sep 23, 2016 7:52 am
Forum: Personal Consumer Issues
Topic: Cosigning a new car lease for sister out of state
Replies: 52
Views: 1722

Re: Cosigning a new car lease for sister out of state

Not an attorney, but I would not give the dealer POA. Period. I am sure there will be other, similar posts. When you "cosign" a lease, loan, etc. you take on significant risk - often well beyond the monthly payments. In addition to other reasons, IMO, those risks are sufficient reason to n...
by dm200
Fri Sep 23, 2016 7:40 am
Forum: Personal Consumer Issues
Topic: Should I appeal dental claim denial?
Replies: 27
Views: 1617

Re: Should I appeal dental claim denial?

The insurance company knows EXACTLY how this will prompt some people to obtain services they think are covered but are actually not. The wording in "up to age 9" is very calculated. And many people here still think insurance companies are their friends. Contracts always favor those who wr...
by dm200
Thu Sep 22, 2016 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance question
Replies: 11
Views: 1511

Re: Umbrella insurance question

1. A personal umbrella policy doe not cover business related lawsuits. 2. An LLC (or other type corporation) may not provide the liability protection you may think. It is very common that a "personal guarantee" is a requirement of many kinds of contracts, agreements, loans, etc. that an LL...
by dm200
Thu Sep 22, 2016 11:04 am
Forum: Personal Consumer Issues
Topic: Should I appeal dental claim denial?
Replies: 27
Views: 1617

Re: Should I appeal dental claim denial?

My kid is 9. Had 4 molars sealed. Dental insurance denies the claim saying we've aged out. The benefits page says sealants are covered on "children up to age 9." When I called to ask why the claim was denied, customer service rep told me that meant up to their 9th birthday. 1) informal po...
by dm200
Thu Sep 22, 2016 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Dispute Life Insurance Rate/Rating?
Replies: 7
Views: 413

Re: Dispute Life Insurance Rate/Rating?

My wife and I recently applied for term life insurance through a financial group I found on term4sale.com. Ended up going through application process with United of Omaha. They downgraded my wife's rating from preferrred to standard which almost doubled the yearly cost. We requested from the financ...
by dm200
Thu Sep 22, 2016 10:52 am
Forum: Personal Consumer Issues
Topic: Having intermittent problem with Visa chip card
Replies: 20
Views: 1122

Re: Having intermittent problem with Visa chip card

I have had no problems with chip cards, either credit cards or bank ATM/debit cards. Not all merchants, though, are equipped to use the chip, so you swipe there. (I have not experienced chip us at gas station pumps yet, for example).
by dm200
Thu Sep 22, 2016 10:49 am
Forum: Personal Consumer Issues
Topic: Advice on Getting Deals for Tires
Replies: 10
Views: 823

Re: Advice on Getting Deals for Tires

It has been a few years, since we drive a lot fewer miles these days (in semi-retirement), but we found getting tires at Costco very good. They did not nickel and dime you with a lot of small add-ons, and provided a good warantee.
by dm200
Tue Sep 20, 2016 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a point when a used car is too used to be worth buying?
Replies: 43
Views: 3113

Re: Is there a point when a used car is too used to be worth buying?

Actually, my impression is that this was *precisely* the time to buy one? After year 1 but before year 3. Unless driven very heavily, cars are in similar condition, and the first part of depreciation (from the "new car smell" to used) is essentially over, and that's the bit which is non l...
by dm200
Tue Sep 20, 2016 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Why the APR on a mortgage can be misleading
Replies: 0
Views: 287

Why the APR on a mortgage can be misleading

In following some of the posts/discussions about mortgages, rates, refinancing choices, etc., it seems to me that sometimes the misleading nature of the disclosed APR (Annual Percentage Rate) is not takein into account. The required APR is almost always higher than the interest rate on a mortgage be...
by dm200
Tue Sep 20, 2016 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Is there a point when a used car is too used to be worth buying?
Replies: 43
Views: 3113

Re: Is there a point when a used car is too used to be worth buying?

While I have not done an "analysis" of this factor, I believe that there are significant differences from year to year between prices/value ratio between new and used. When many fewer buyers choose new cars and trn towards used, the ratio goes in one direction, while when folks flock to ne...
by dm200
Tue Sep 20, 2016 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Is there a point when a used car is too used to be worth buying?
Replies: 43
Views: 3113

Re: Is there a point when a used car is too used to be worth buying?

Opinions and experiences differ. Over the last 50 years, I have owned both new and used cars, and have had good and bad experiences with both. In general, I/we keep cars a long time. When I/we drove over 12,000 a year on a car, I/we usually bought new. We got exactly the car we wanted - did not pay ...
by dm200
Sun Sep 18, 2016 8:32 pm
Forum: Personal Consumer Issues
Topic: Calling DC area Bogleheads for help with relocation
Replies: 34
Views: 1915

Re: Calling DC area Bogleheads for help with relocation

School-age children are not a factor. We are a family of four, though, which is part of why we are looking for three bedrooms. I wish we could drop down to two bedrooms, but such little space might be too hard on my wife. The names of the neighborhoods I mentioned in Arlington, fairly close in, in ...
by dm200
Sun Sep 18, 2016 11:00 am
Forum: Personal Consumer Issues
Topic: Calling DC area Bogleheads for help with relocation
Replies: 34
Views: 1915

Re: Calling DC area Bogleheads for help with relocation

Those going by bicycle from (or through) Arlington used to be able to ride through Arlington National Cemetary and Fort Myer- which made a big difference.

Now, they have pretty much closed that off.
by dm200
Sat Sep 17, 2016 5:47 pm
Forum: Personal Consumer Issues
Topic: Calling DC area Bogleheads for help with relocation
Replies: 34
Views: 1915

Re: Calling DC area Bogleheads for help with relocation

The Rosslyn Metrorail stop (in Virginia) is not that far from Georgetown - walk or bike over the Key Bridge. The Rosslyn Metrorail station is on the Blue, Orange and Silver Lines. I Arlington, many Metrobus and ART (Arlington transit bus) routes go to Metro stations and some go to Rosslyn as well.
by dm200
Sat Sep 17, 2016 3:56 pm
Forum: Personal Consumer Issues
Topic: Calling DC area Bogleheads for help with relocation
Replies: 34
Views: 1915

Re: Calling DC area Bogleheads for help with relocation

There are several other commuter options in the Arlington and Washington DC area. One is "Bike share" - you sign up for a fee - then use one of the available bike to ride to another stop and leave the bike, Another is car2go. Sign up and find a car in the area, unlock with code/smartphone ...
by dm200
Sat Sep 17, 2016 2:41 pm
Forum: Personal Consumer Issues
Topic: Calling DC area Bogleheads for help with relocation
Replies: 34
Views: 1915

Re: Calling DC area Bogleheads for help with relocation

In Arlington, the Columbia Pike (near the intersections with S Glebe Rd and with S Walter Reed Dr) corridor might be an area to look for such a house. There is extensive bus service in this area to the Blue/Yellow line at the Pentagon and the Orange/Silver line at Ballston. Rents in this area would ...
by dm200
Sat Sep 17, 2016 2:32 pm
Forum: Personal Consumer Issues
Topic: Calling DC area Bogleheads for help with relocation
Replies: 34
Views: 1915

Re: Calling DC area Bogleheads for help with relocation

To those familiar with the Washington DC area, I'm looking for your insight. I may have the option to attend a two-year academic program at Georgetown beginning in January, and I'm weighing it against some alternatives, trying to take a holistic approach that considers more than just academics: cos...
by dm200
Sat Sep 17, 2016 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Tenant Background Check and Credit Check
Replies: 23
Views: 1624

Re: Tenant Background Check and Credit Check

It all depends on the details of how/who is getting these credit reports, but there are potentially issues (both regulatory and contractually) about sharing credit reports with another person/entity. So, for example, one financial institution lender may be prohibited from doing credit reports for an...
by dm200
Fri Sep 16, 2016 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant Background Check and Credit Check
Replies: 23
Views: 1624

Re: Tenant Background Check and Credit Check

When you say "management company", are you talking a property manager you have working for you or a management of the condo building company? The condo pays a property management company to manage the property for us. Ralph Maybe I am missing something, but wouldn't it be more common that...
by dm200
Fri Sep 16, 2016 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: "To raise the car insurance deductible or not to raise it, that is the question" William Shakespeare!
Replies: 14
Views: 954

Re: "To raise the car insurance deductible or not to raise it, that is the question" William Shakespeare!

Just keep in mind that if your car is totally demolished, disposing of it becomes your responsibility. I have not carried collision on either of our cars in years: - 2009 Honda CR*V EX-L, - 2009 Chevrolet Malibu LTZ I do carry comprehensive though. 1. In this area, it seems that there is usually en...
by dm200
Fri Sep 16, 2016 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Purchasing fund that has "frequent trading" restrictions??
Replies: 2
Views: 324

Purchasing fund that has "frequent trading" restrictions??

For an organization I manage, we buy and sell several Vanguard bond mutual funds. Occasionally, we want to purchase shares within the "frequent trading" blackout period. Before being converted to the all brokerage account, we could just use one of the forms we got after any transaction, an...
by dm200
Thu Sep 15, 2016 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Will Medicare take away my Social Security?
Replies: 18
Views: 1918

Re: Will Medicare take away my Social Security?

I'm currently 37, and have been planning to wait until 70 to claim Social Security if possible. I saw an article that the Medicare premium (for new claimers) is going from $104.90 in 2015, to $121.80 in 2016, and $149 in 2017. That is over a 19% per year increase. Even being generous and only calli...
by dm200
Thu Sep 15, 2016 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Actual Day of Month for Start of Medicare Coverage
Replies: 24
Views: 963

Re: Actual Day of Month for Start of Medicare Coverage

These might be "dumb questions", but 1. WHY is there (or a need for) a special rule for those whose birthday is the first of the month? 2. I cannot think of any aspect of life, celebrations, where a "half year" is marked - just in things like IRS - age 59 1/2, year following the ...
by dm200
Thu Sep 15, 2016 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Actual Day of Month for Start of Medicare Coverage
Replies: 24
Views: 963

Re: Actual Day of Month for Start of Medicare Coverage

This is good information from the medicare.gov site about when to sign up: "When you're first eligible for Medicare, you have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B. Example For example, if you're eligible for Medicare when you turn 65, you can sign up during t...
by dm200
Thu Sep 15, 2016 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: "To raise the car insurance deductible or not to raise it, that is the question" William Shakespeare!
Replies: 14
Views: 954

Re: "To raise the car insurance deductible or not to raise it, that is the question" William Shakespeare!

Here's what we do ... as a point of reference we are financially independent .... we have a $500 deductible on our two vehicles, a 2003 Honda and a 2016 Lexus ... both have collision coverage ... we prefer to save on the premium and not concern ourselves with the higher deductible in the event of a...
by dm200
Thu Sep 15, 2016 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: An example of the value of a liability umbrella policy
Replies: 22
Views: 2347

Re: An example of the value of a liability umbrella policy

Criminal acts (intentional torts) are almost always excluded from liability coverage.


So are business related lawsuits.
by dm200
Thu Sep 15, 2016 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: An example of the value of a liability umbrella policy
Replies: 22
Views: 2347

Re: An example of the value of a liability umbrella policy

If you've got sizeable assets umbrella coverage is the only way to go.
If you are not old, even if assets are not that large, but have (or are perceived to have) a large income or large potential income over your lifetime, you may want to protect such future income with an umbrella policy.
by dm200
Thu Sep 15, 2016 11:54 am
Forum: Personal Consumer Issues
Topic: Purchase '98 Toyota Camry?
Replies: 40
Views: 4658

Re: Purchase '98 Toyota Camry?

There is a lot of difference in the crash impact standards over the past 20 years. Side impact, front offset, and roof crush standards come to mind. For example take a look at the A-pillar (first pillar on the car, around the windshield) and observe how thick they have gotten in the past 5-6 years ...
by dm200
Thu Sep 15, 2016 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Actual Day of Month for Start of Medicare Coverage
Replies: 24
Views: 963

Re: Actual Day of Month for Start of Medicare Coverage

My wife will retire as of 31 August 2017. She will delay collecting her Social Security retirement benefit until her 66th BD based on my work record (restricted application for spousal benefit). Her employer-based health insurance will cover her through 30 September 2017. She will turn 65 on 3 Octo...
by dm200
Thu Sep 15, 2016 11:37 am
Forum: Investing - Theory, News & General
Topic: Disappointing News Wells Fargo
Replies: 111
Views: 8720

Re: Disappointing News Wells Fargo

Credit Unions may be less prone to shenanigans but there have been plenty examples of fraud and embezzlement from insiders there as well Unfortunately, this is absolutely true. It is "scary" when you personally know such folks who hite the "news" about credit union fraud/embezzl...
by dm200
Thu Sep 15, 2016 9:57 am
Forum: Personal Consumer Issues
Topic: Purchase '98 Toyota Camry?
Replies: 40
Views: 4658

Re: Purchase '98 Toyota Camry?

Ten month update: The car has worked out well. It drives nicely and my wife (primary driver of this vehicle) likes it. No major problems, but some (not completely unexpected) minor things/annoyances. Have spend about $900 on replacing rear tail light assemble (shorted out), driver side door lock (w...
by dm200
Thu Sep 15, 2016 9:12 am
Forum: Investing - Theory, News & General
Topic: Disappointing News Wells Fargo
Replies: 111
Views: 8720

Re: Disappointing News Wells Fargo

Have any folks been a "victim" of this Wells Fargo "situation"? It is unclear to me, from press reports, whether or not the alleged holders of these fake accounts suffered financial losses. My guess, also, is that it is very unlikely that such "techniques" were or are u...
by dm200
Thu Sep 15, 2016 9:03 am
Forum: Investing - Theory, News & General
Topic: Exodus from Money Market Funds?
Replies: 24
Views: 2927

Re: Exodus from Money Market Funds?

While I claim no expertise in this "opinion", nonetheless, I believe that Vanguard could (and would, to the extent allowable) back (or perhaps "subsidize") its MM funds with its extensive resources. The may not be the case for some other MM funds. A federally insured bank or cred...
by dm200
Wed Sep 14, 2016 6:51 pm
Forum: Personal Consumer Issues
Topic: Purchase '98 Toyota Camry?
Replies: 40
Views: 4658

Re: Purchase '98 Toyota Camry?

Ten month update: The car has worked out well. It drives nicely and my wife (primary driver of this vehicle) likes it. No major problems, but some (not completely unexpected) minor things/annoyances. Have spend about $900 on replacing rear tail light assemble (shorted out), driver side door lock (wh...
by dm200
Wed Sep 14, 2016 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Denied Term Life Insurance/A Reminder to Get Your House in Order
Replies: 38
Views: 3288

Re: Denied Term Life Insurance/A Reminder to Get Your House in Order

An example of the cost of credit life insurance on a credit union new auto loan: Loan amount: $30,000.00 Term: 7 years (84 months) Interest rate: 5.00% Fees/charges: NONE Monthly payment without credit life: $424.02 Monthly payment with single credit life insurance (life on one borrower): $433.41 TO...

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