Search found 8296 matches

by dm200
Thu Feb 11, 2016 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Sell or Rent House
Replies: 13
Views: 760

Re: Sell or Rent House

Wondering what factors I should consider in deciding. One other thing that you might consider is what you will do if the relationship does not work out. You would want to look at all the details but keeping as a temporary rental for year might work since you could likely still sell it then and qual...
by dm200
Thu Feb 11, 2016 8:05 pm
Forum: Investing - Theory, News & General
Topic: Nobody, and I mean nobody can predict interest rates
Replies: 2
Views: 145

Re: Nobody, and I mean nobody can predict interest rates

Yes - I regard Alan Greenspan and Ben Bernanke as two of the smartest folks in the world - and neither of them (in my opinion) could accurately predict future interest rates - so what hope is there for the rest of us? Anybody can (and often does) make such predictions, but the accuracy rate is very ...
by dm200
Thu Feb 11, 2016 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Plan on your Credit Card Getting Hacked once a year....Some Tips....
Replies: 66
Views: 2895

Re: Plan on your Credit Card Getting Hacked once a year....Some Tips....

Great discussion...useful information!! I just scratched the 3 digit number off of the back of my main card. Now someone that holds my card and photographs both sides will have a problem ordering online. I just can't forget that number. What happens if you try to use the card in person? Wouldn't it...
by dm200
Thu Feb 11, 2016 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need professional liability insurance?
Replies: 25
Views: 944

Re: Do I professional liability insurance?

You should never assume that an attorney hired by your employer is looking out for your interests if your interests might be in conflict with your employer. Can you give an example of when an employee's and employer's interests might diverge? Especially, in my opinion, where the employer is a small...
by dm200
Thu Feb 11, 2016 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need professional liability insurance?
Replies: 25
Views: 944

Re: Do I need professional liability insurance?

To other professionals who serve on boards of non-profits, etc - wouldn't volunteer work performed during this time be deemed "out of the scope of employment" because you're not at work? This is something that concerns me because as the CPA on the board, if there is a fraud taking place i...
by dm200
Thu Feb 11, 2016 1:39 pm
Forum: Personal Consumer Issues
Topic: Motivation to do Yoga / stretch more
Replies: 32
Views: 1926

Re: Motivation to do Yoga / stretch more

I'd like to increase my flexibility and work on reducing injuries There's no evidence that stretching or increasing flexibility will reduce injuries. Depending on one's sport, both might increase injury. Warm-ups, especially dynamic, are the key. Exactly -- This is why I just bother with stretching...
by dm200
Thu Feb 11, 2016 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need professional liability insurance?
Replies: 25
Views: 944

Re: Do I need professional liability insurance?

To other professionals who serve on boards of non-profits, etc - wouldn't volunteer work performed during this time be deemed "out of the scope of employment" because you're not at work? This is something that concerns me because as the CPA on the board, if there is a fraud taking place i...
by dm200
Thu Feb 11, 2016 12:35 pm
Forum: Investing - Theory, News & General
Topic: Are index funds a guaranteed return?
Replies: 39
Views: 2206

Re: Are index funds a guaranteed return?

I agree that people are reacting to the word "guaranteed." There are no guarantees.
However, I think what you're really asking is what types of returns should you expect.


The post title says 'guaranteed' not 'expected'.
by dm200
Thu Feb 11, 2016 12:20 pm
Forum: Investing - Theory, News & General
Topic: Are index funds a guaranteed return?
Replies: 39
Views: 2206

Re: Are index funds a guaranteed return?

There is only one guarantee for index funds. That is explained in the expense ratio. The guarantee is that the amount taken away from you every year is that low percentage called expense ratio. Actively managed funds have the same characteristic. The difference being that the expense ratio...which ...
by dm200
Thu Feb 11, 2016 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Rental car for weekend trip to save on miles on new car?
Replies: 47
Views: 2459

Re: Rental car for weekend trip to save on miles on new car?

Taxes and fees usually add at least 20%, but the whole thing seems a huge hassle to save from putting 250 miles on your vehicle. It does not look like they will pick you up - it's pick up and drop off special. Actually I guess it says that service is subject to geographical location. Not sure wheth...
by dm200
Thu Feb 11, 2016 11:47 am
Forum: Personal Consumer Issues
Topic: Wife just got a VM from a debt collector
Replies: 44
Views: 3765

Re: Wife just got a VM from a debt collector

I swear, medical billing is the worst. We recently had a situation where we sent payment to a local hospital. For the next several months we were getting calls about making payment. They finally admitted they received our check but that the two different departments, billing and collections, hadn't...
by dm200
Thu Feb 11, 2016 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Rental car for weekend trip to save on miles on new car?
Replies: 47
Views: 2459

Re: Rental car for weekend trip to save on miles on new car?

In one case last year, the my expenses for a 2 day trip of several hundred miles each way was reimbursed by an organization. The total cost (weekday rate of $31/day) for the Enterprise car rental (including fuel, insurance, fees, taxes, etc.) was less than charging the organization the standard IRS ...
by dm200
Thu Feb 11, 2016 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Rental car for weekend trip to save on miles on new car?
Replies: 47
Views: 2459

Re: Rental car for weekend trip to save on miles on new car?

If you have a car, the only reasons to rent one are you're going to a destination too far to drive to and need a car there or you need a vehicle to transport stuff that wouldn't fit in your car. On the other hand, I've taken the bus/train/plane to places I could drive because I didn't want to drive...
by dm200
Thu Feb 11, 2016 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Has anyone ever sold a brokered CD through Vanguard?
Replies: 7
Views: 579

Re: Has anyone ever sold a brokered CD through Vanguard?

The broker-dealer reselling the CD is just functioning as an ad-hoc market maker for the CD, skimming off the bid-ask spread as compensation. The less liquid the security, the more risk there is for the market maker, and the wider the bid-ask spread will be as a result. I don't think there is anyth...
by dm200
Wed Feb 10, 2016 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Has anyone ever sold a brokered CD through Vanguard?
Replies: 7
Views: 579

Re: Has anyone ever sold a brokered CD through Vanguard?

I have done this numerous times. When you request a bid, the request gets sent to many external bond brokers, some of whom may choose to respond to the request. After about an hour and a half, Vanguard will present to you the best bid. At that time, you can choose to accept (sell) or reject (don't ...
by dm200
Wed Feb 10, 2016 2:22 pm
Forum: Personal Consumer Issues
Topic: Is Canada on sale? [Currency exchange rate vs. USD]
Replies: 14
Views: 1704

Re: Is Canada on sale?

One thing noted on the recent trip is the willingness of Quebec City residents to converse in English, people seem eager to try out their skills. In Montreal on the other hand, there seems to be greater tension around language, perhaps the cost of living in a city with a large Anglophone minority. ...
by dm200
Wed Feb 10, 2016 2:13 pm
Forum: Personal Consumer Issues
Topic: Wife just got a VM from a debt collector
Replies: 44
Views: 3765

Re: Wife just got a VM from a debt collector

I don't know what type of experience you have with medical billing and collection, but the "trick" you described has never been used by anyone I know. This was based on an actual experience of mine a few years ago. I received a past due notice from what appeared to be a collection agency....
by dm200
Wed Feb 10, 2016 12:48 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 209
Views: 10798

Re: Do you pay for exercise?

"Mall walking" has become a new winter activity for me and I hate it. I have been a runner for decades but both my lower back and PCP are conspiring to bring the running to a halt. The doc claims 3 miles of walking is the perfect amount of exercise. Yeah right! Why not try other things? I...
by dm200
Wed Feb 10, 2016 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: alleged pharmacist malpractice- does wife need a lawyer?
Replies: 32
Views: 2654

Re: alleged pharmacist malpractice- does wife need a lawyer?

As some others have stated, I think it is significant that she is not (yet at least) named is the lawsuit.
by dm200
Wed Feb 10, 2016 12:24 pm
Forum: Personal Consumer Issues
Topic: Wife just got a VM from a debt collector
Replies: 44
Views: 3765

Re: Wife just got a VM from a debt collector

Legitimate collection agencies make an effort to contact you before reporting the debt to the credit bureaus. It is the best time to get a person to pay. A lot of people think that if it is on their reports already, well then, screw it. Just have your wife call them and find out if it is her debt. ...
by dm200
Wed Feb 10, 2016 11:12 am
Forum: Personal Consumer Issues
Topic: Bill - "Due Upon Receipt" - what does this mean?
Replies: 3
Views: 607

Bill - "Due Upon Receipt" - what does this mean?

For a small organization I manage (part time), we seem to be receiving more regular bills that say "Due Upon Receipt" instead of an actual future due date or due within so many days. We make payments on all our bills within a few days and are not getting "past due", but am wonder...
by dm200
Wed Feb 10, 2016 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Social security restricted spousal benefits - does my husband need to know?
Replies: 35
Views: 2718

Re: Social security restricted spousal benefits - does my husband need to know?

SSA reps are required to contact the spouse to confirm the 10 year duration of marriage requirement has been met. However, if they unarchive your husband's retirement claim and he acknowledged he was currently married to you at the time, that may be sufficient. This assumes you were married for at ...
by dm200
Wed Feb 10, 2016 10:35 am
Forum: Personal Finance (Not Investing)
Topic: What is your opinion on the Federal goverment retirement plan?
Replies: 43
Views: 3253

Re: What is your opinion on the Federal goverment retirement plan?

Essentially, the federal government workers get an interesting retirement plan: Employee contributes 9.4% of salary and government provides a pension (paying 1% of highest three wage average) and 5% into 401k equivalent. 5% of the employee contribution goes into 401k equivalent and is invested like...
by dm200
Tue Feb 09, 2016 11:06 pm
Forum: Personal Consumer Issues
Topic: Repair old car or buy new? A car illiterate needs some help
Replies: 26
Views: 1124

Re: Repair old car or buy new? A car illiterate needs some help

Do you like the car and does the car meet your needs?

If so, pay the money to get it fixed.
by dm200
Tue Feb 09, 2016 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: What is your opinion on the Federal goverment retirement plan?
Replies: 43
Views: 3253

Re: What is your opinion on the Federal goverment retirement plan?

I'm always confused on whether federal employees pay into and are eligible for social security. Or does it depend? Basically older Federal employees who were already in the system in the 1980s (and are mostly about to retire or have retired by now) are in many cases under the CSRS retirement system...
by dm200
Tue Feb 09, 2016 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: What is your opinion on the Federal goverment retirement plan?
Replies: 43
Views: 3253

Re: What is your opinion on the Federal goverment retirement plan?

Traveler wrote:I'm always confused on whether federal employees pay into and are eligible for social security. Or does it depend?


Those hired from about 1984 on fully participate in the SS retirement system. Those hired earlier could (as best I understand) opt in, but most chose not to do so.
by dm200
Tue Feb 09, 2016 5:43 pm
Forum: Personal Consumer Issues
Topic: Best Car for Family of 5?
Replies: 60
Views: 2931

Re: Best Car for Family of 5?

I am a big minivan fan - we got one of the first Chrysler models in late 1984 ('85 model). We then had one child and took several long trips a year. One benefit (that we did not anticipate) was that our son (then 6) could see out the window much better than in the back seat of a two door sedan. The ...
by dm200
Tue Feb 09, 2016 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: What is your opinion on the Federal goverment retirement plan?
Replies: 43
Views: 3253

Re: What is your opinion on the Federal goverment retirement plan?

> How do you think the benefits compare to those in the private sector? This is not an appropriate comparison, because (1) pension benefits in the private sector are no longer common, (2) they are becoming LESS common and (3) they depend to a degree on the stability of the employer. Of course it is...
by dm200
Tue Feb 09, 2016 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: What is your opinion on the Federal goverment retirement plan?
Replies: 43
Views: 3253

Re: What is your opinion on the Federal goverment retirement plan?

I am not (and never have been) a federal employee, but I live in an area (and have lived her for 40+ years) where there are a lot of federal employees and retirees and know a lot of such folks. The "defined benefit" retirement/pension has almost completely disappeared from the private sect...
by dm200
Tue Feb 09, 2016 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Plan on your Credit Card Getting Hacked once a year....Some Tips....
Replies: 66
Views: 2895

Re: Plan on your Credit Card Getting Hacked once a year....Some Tips....

Good suggestions. DH and I have had our accounts hacked several times in the last few years. Last time was right after using it at a restaurant. I also dislike the inconvience of having to change the card# for my autopayments. I'd really prefer not to use a separate account, however, since I am max...
by dm200
Tue Feb 09, 2016 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice - Employer withdrew accepted offer
Replies: 50
Views: 5914

Re: Need advice - Employer withdrew accepted offer

A similar thing happened to someone I used to work with. He got a call from the person he was going to work for, was given a very good offer verbally for a job he really wanted and was told a written offer was to come in the mail. He told his coworkers he was going to accept it, but waited on the l...
by dm200
Tue Feb 09, 2016 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Rental car for weekend trip to save on miles on new car?
Replies: 47
Views: 2459

Re: Rental car for weekend trip to save on miles on new car?

https://www.enterprise.com/en/car-rental/deals/weekend-specials.html Offer rate does not include 23% or lower tax and/or additional surcharges, $0.20 or less per mile for excess miles, vehicle licensing fees of $4 or less per day , refueling fees, additional driver fees and optional damage waiver o...
by dm200
Tue Feb 09, 2016 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Rental car for weekend trip to save on miles on new car?
Replies: 47
Views: 2459

Re: Rental car for weekend trip to save on miles on new car?

I have used Enterprise several times vs. using our older, somewhat less reliable car for trips of several hundred miles each way. These have been during the week and the daily rate was about $30/day (unlimited mileage, but pay for gasoline). I saw the $10/day for weekends (with 100miles/day limit). ...
by dm200
Tue Feb 09, 2016 11:17 am
Forum: Personal Consumer Issues
Topic: Planning a High-Value Wedding Regardless of Cost
Replies: 55
Views: 2783

Re: Planning a High-Value Wedding Regardless of Cost

We had our wedding in 2011 and it cost us about $50,000 and it was our dumbest mistake ever! The wedding was beautiful and nice, but it was stupid to have spent that money (on credit) for such a wedding, no matter how beautiful. Some of the mistakes I made were: 1. Paying for hotel accommodation/tr...
by dm200
Tue Feb 09, 2016 11:12 am
Forum: Personal Consumer Issues
Topic: Planning a High-Value Wedding Regardless of Cost
Replies: 55
Views: 2783

Re: Planning a High-Value Wedding Regardless of Cost

Some notes from my wedding (a year and a half ago): 1. Shop around for everything. Some vendors cost way more than others 2. Keep the guest list small. As others have mentioned, lots of costs are "per guest" 3. Use who you know for venues. Belong to a church/other religious organization? ...
by dm200
Tue Feb 09, 2016 10:44 am
Forum: Personal Consumer Issues
Topic: Canadian dollar
Replies: 19
Views: 1393

Re: Canadian dollar

In my opinion it is disrespectful to go to Canada and expect businesses and individuals to accept US dollars. In the US only a few places within a few miles of the border will accept Canadian dollars at any exchange rate at all. Why do we expect them to take ours? Just go to Canada, stop at an ATM,...
by dm200
Tue Feb 09, 2016 10:36 am
Forum: Personal Consumer Issues
Topic: Planning a High-Value Wedding Regardless of Cost
Replies: 55
Views: 2783

Re: Planning a High-Value Wedding Regardless of Cost

Just on a side note --- the more expensive the wedding the higher the probability of divorce: http://www.cnn.com/2014/10/13/living/wedding-expenses-study/index.html Very interesting. Haven't "shopped" for financing weddings (no need) in recent years, but the amounts I hear folks spending ...
by dm200
Tue Feb 09, 2016 10:30 am
Forum: Personal Consumer Issues
Topic: Planning a High-Value Wedding Regardless of Cost
Replies: 55
Views: 2783

Re: Planning a High-Value Wedding Regardless of Cost

We were married in the late 70's. I can't remember the total cost, but it was modest (by today's standards). Mother In law made the wedding cake, and prepared much of the food for the buffet reception (100+ guests) held in a church hall (same site as the wedding) that only cost a few hundred dollars...
by dm200
Tue Feb 09, 2016 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Plan on your Credit Card Getting Hacked once a year....Some Tips....
Replies: 66
Views: 2895

Re: Plan on your Credit Card Getting Hacked once a year....Some Tips....

I have my credit card hacked about once a year now.... Just the nature of the Beast. I just had it hacked again 2 days ago and it is fresh in my mind. I use a credit card for everything if possible. Not a big deal, they issue me a new credit card and remove the Fraud Charge. In all of my cases the ...
by dm200
Mon Feb 08, 2016 9:51 pm
Forum: Personal Consumer Issues
Topic: Planning a High-Value Wedding Regardless of Cost
Replies: 55
Views: 2783

Re: Planning a High-Value Wedding Regardless of Cost

My suggestion is to focus on a successful MARRIAGE as opposed to a fancy WEDDING.

While I cannot cite any references or statistical studies on the issue, I doubt there is any positive correlation of a fancy WEDDING with successful MARRIAGE,
by dm200
Mon Feb 08, 2016 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice - Employer withdrew accepted offer
Replies: 50
Views: 5914

Re: Need advice - Employer withdrew accepted offer

Guys, thank you for all the comments and suggestions and please let me clarify, I am not looking for legal advice, just a good ole, what would you do in my situation. One clarification: This supervisor actually met and interviewed my wife and made the offer verbally. The offer letter from HR only m...
by dm200
Mon Feb 08, 2016 11:05 am
Forum: Personal Consumer Issues
Topic: Canadian dollar
Replies: 19
Views: 1393

Re: Canadian dollar

You might be able to pre-pay some of your large expenses like hotel rooms and rental cars to lock in the costs. Of course that also limits your ability to change your plans. or cancel the trip if you need to. Unless you are staying for an extended period of time then you are likely looking at spend...
by dm200
Mon Feb 08, 2016 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Need advice - Employer withdrew accepted offer
Replies: 50
Views: 5914

Re: Need advice - Employer withdrew accepted offer

I am almost always of the opinion that one should never sue an employer. It's hard to prove wrongdoing, they usually have many more resources and access to better attorneys, and even if you win your reputation as someone who sued their employer has got to be a factor in future employment. I just do...
by dm200
Mon Feb 08, 2016 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Is CD an investment or savings?
Replies: 17
Views: 969

Re: Is CD an investment or savings?

Is a CD an investment or savings? (A fixed deposit is the financial term for a CD in my country.) The financial consultant at a bank told me that I should not mix investments and savings. That is, the investment portion and the savings portion must be separate. However, the financial consultant ins...
by dm200
Sun Feb 07, 2016 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: What happens when car accident claim exceeds insurance limits?
Replies: 52
Views: 3919

Re: What happens when car accident claim exceeds insurance limits?

I think it is important to distinguish between what the other (injured/harmed) party initiallly claims and what a final determination might be.
by dm200
Sun Feb 07, 2016 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: refinancing for high rate
Replies: 12
Views: 861

Re: refinancing for high rate

Need advice, please I have 10 years mortgage. Rate 2.625% after refinancing $100000 3 years ago. I have paid extra and now have 7 years left, $70000.0 , monthly payment $947. But as a result of personal circumstances cannot do it anymore. I need monthly payment around $500. I found a 10 years loan ...
by dm200
Sun Feb 07, 2016 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice - Employer withdrew accepted offer
Replies: 50
Views: 5914

Re: Need advice - Employer withdrew accepted offer

retiredjg, That is the crazy thing, the supervisor is the person who made the deal and basic offer. HR just sent out the offer letter mirroring the details he and my wife agreed to. Crazy is right! What I would consider doing is writing a certified letter to the company CEO, with a copy of the offe...
by dm200
Sun Feb 07, 2016 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: 10% Mortgage Down payment
Replies: 29
Views: 2645

Re: 10% Mortgage Down payment

1. Whether it makes sense or not, I think it may make more sense to have a modest amount of debt (say car payment) and have more for the home down payment. 2. if you have not already donw so, check out your credit and credit score. If it is, for some reason, low - work on making it look better. 3. S...
by dm200
Sun Feb 07, 2016 2:52 pm
Forum: Personal Consumer Issues
Topic: VERY low cost/low use cell phone service/plan
Replies: 24
Views: 1212

Re: VERY low cost/low use cell phone service/plan

LadyGeek wrote:dm200 - You had a duplicate post, which I've removed. There were no replies.


Don't know how this happened? Did the same thing on another post. It was certainly not intentional and I have no idea why or how this happened.

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