Search found 14352 matches

by dm200
Mon Jan 15, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: Trying to help acquaintence - medicare costs
Replies: 63
Views: 1977

Re: Trying to help acquaintence - medicare costs

Educate me here. I thought Medicare Advantage programs took the place of Medicare Part B and D, etc. If that is correct, why is she paying for Medicare Part B? Or have I just assumed she is paying for Medicare Part B? Does the fact it is a Medicare Advantage program explain why she does not get EOB...
by dm200
Mon Jan 15, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 85
Views: 6970

Re: What is the best home exercise equipment?

Umm... If you think about buying home exercise equipment, don't. It's not a good financial decision. With $20 gym membership, you'll get an environment that you can focus on working out and getting the most out of your time. I would happily pay more than that to avoid the gym. I loathe gyms. The fl...
by dm200
Mon Jan 15, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance - value to insure?
Replies: 23
Views: 2521

Re: Homeowners Insurance - value to insure?

yeah I get that but how can builders in my town be buying houses to tear down for 200-250, and sell them for $850-950? They must have an embedded profit in there too unless they are all really bad businessmen. Thus I can't imagine that the actual cost of material and labor to rebuild this class of ...
by dm200
Mon Jan 15, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Self pay vs insurance
Replies: 5
Views: 326

Re: Self pay vs insurance

The primary value of medical insurance is often the negotiated prices for services. If you self-pay they may want you to pay the "list price", often an extraordinary high amount that no one really pays. In many prices the "insurance" price may be better than you can negotiate yourself though discou...
by dm200
Mon Jan 15, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance - value to insure?
Replies: 23
Views: 2521

Re: Homeowners Insurance - value to insure?

I reviewed the coverage with my State Farm agent and they ran a "replacement cost" online calculator for the "middle" quality range for houses in this area of our 2 story 1 1/2 bath house of our square footage. The calculator came up with $249,000 vs. the billed $324,400. So, I lowered the insured ...
by dm200
Mon Jan 15, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 21
Views: 1332

Re: A "Home" cell phone?

I think we pay over $50 per month (Verizon FiOS) for our "home" phone.

DW and I each have cell phones, but I would like another shared "home" number.
by dm200
Mon Jan 15, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Trying to help acquaintence - medicare costs
Replies: 63
Views: 1977

Re: Trying to help acquaintence - medicare costs

OK - peeling a few layers of the "onion"... Her 2018 Medicare plan is an AETNA Medicare Advantage plan with drug coverage. For almost all services, she has a zero copay and a low ($200) annual out of pocket limit. It seems she has no other choices as long as she stays in (and gets benefits of) the s...
by dm200
Mon Jan 15, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 21
Views: 1332

A "Home" cell phone?

The concept of a "home phone", for many or most of us has changed a lot in recent years. I still like the idea of a separate "home" phone, though. Since many cell phones are now much less expensive than an actual home phone, I wonder about changing our "home number" to an added "cell phone" on out p...
by dm200
Mon Jan 15, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Consulting side gig while at mega corp
Replies: 25
Views: 2038

Re: Consulting side gig while at mega corp

My first employer out of college (for ten years) was a Mega Corp (one of the biggest of the big) and all outside employment had to be disclosed. Anything at all related to the job OR for/with any customer was absolutely prohibited.

You must disclose, in my opinion.
by dm200
Mon Jan 15, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on managing healthcare costs
Replies: 21
Views: 760

Re: Advice on managing healthcare costs

Depending on the nature of the medical expenses, perhaps you could try to "bunch" large expenses in one year to hit the maximum out of pocket. Several years ago, for example, my wife made sure to schedule gallbladder surgery before the end of the year because waiting until after December 31 would ha...
by dm200
Mon Jan 15, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on managing healthcare costs
Replies: 21
Views: 760

Re: Advice on managing healthcare costs

Hello, I had a chronic autoimmune disease I was dealing with about ten years ago, that has been in remission. Recently it seems to be coming back, and I only have very bad health insurance available to me, with a high deductible. The deductible is 2600 and after that it's 40% co-insurance. I also h...
by dm200
Mon Jan 15, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 85
Views: 6970

Re: What is the best home exercise equipment?

We are very fortunate to have County rec centers available at very good rates for residents. The "regular" rate per year is $195. For those of us over 55, the annual fee is only $60 and for DW only an added $30. The centers are closed on major holidays and some are not open Sundays, but some are. Tw...
by dm200
Mon Jan 15, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: PTO policy after international business travel
Replies: 39
Views: 1801

Re: PTO policy after international business travel

I doubt they would honor such a request. Maybe a day or so, but not five.

Maybe some adjusted start and end times for the transition days?
by dm200
Mon Jan 15, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 56
Views: 3394

Re: Stats on When People Take Social Security

My "guess" is that, on average, the folks who take SS earlier would tend to be the ones with shorter lifespans - NOT because of calculations they have done, but rather because those with health issues/risks of a shorter life tend to be more financially in need. A few decades ago, as my wife's parent...
by dm200
Mon Jan 15, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Out of Network question
Replies: 37
Views: 2314

Re: Health Insurance Out of Network question

Let sleeping dogs lie.
I think so as well.
by dm200
Mon Jan 15, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 85
Views: 6970

Re: What is the best home exercise equipment?

Another big fan of the Concept2 rower here. I enjoy the detailed logging aspect, and the Concept2 online challenges are somewhat motivational. As for back pain, yes, you can develop that with bad form and overexertion. The one great thing about the rower is that your workout controls the intensity....
by dm200
Mon Jan 15, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 81
Views: 4036

Re: Looking for a reasonably priced, safe international destination

Not sure about Bermuda and small children. The beaches (south side) are fantastic, if kids like the beach. Probably using the bus system would be more interesting for children than taxis. I like the cruises where we are at sea for a few dats at a time. Circumstances permitting, another Bermuda cruis...
by dm200
Sun Jan 14, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 81
Views: 4036

Re: Looking for a reasonably priced, safe international destination

For various reasons, we were able to travel (in the US, various places) almost every year when our son was young (from about age 3-12). He loved to travel and was great. Now, decades later, I am pleasantly surprised that he still has positive memories/attitudes that we did this travel. Others may ex...
by dm200
Sun Jan 14, 2018 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Family death, house for sale, under-valued.
Replies: 17
Views: 1910

Re: Family death, house for sale, under-valued.

After living a long and good life my cousins grandparents have passed. Their daughter inherited the house and has informed my parents that her family would prefer to sell quickly in order to return to their normal routine. The house is located 2 blocks from where our family grew up so we are all fa...
by dm200
Sun Jan 14, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 85
Views: 6970

Re: What is the best home exercise equipment?

Thanks everyone for their excellent responses. What do you guys think about the StairMaster ? https://www.amazon.com/StairMaster-140001-SM3-StepMill/dp/B00B1W8N0A/ref=sr_1_1?s=sporting-goods&ie=UTF8&qid=1467413857&sr=1-1&keywords=stairmaster This is my personal favorite indoor cardio equipment. Hav...
by dm200
Sun Jan 14, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance - value to insure?
Replies: 23
Views: 2521

Re: Homeowners Insurance - value to insure?

I have been with State Farm for a long time. They kept creeping up the insured value and I wasn't really paying attention. A couple years I was like really? My house will cost 750k to rebuild? I bought it for 800k 10 yrs prior and it is a normal 4 bedroom single family home. It started out with an ...
by dm200
Sun Jan 14, 2018 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 61
Views: 3609

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

What about you get arrested for some horrendous charge, valid or not, and the judge imposes big time bail? Free meals and a bed for a little while. I don't have experience, but it seems to me that there are worse places to be than a jail cell. No personal experience either. However, if you are in j...
by dm200
Sun Jan 14, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Executor/Trustee question
Replies: 18
Views: 851

Re: Executor/Trustee question

She personally owned (no POD designation):
POD is irrlevant after death. A POD ceases on the death of the grantor.
by dm200
Sun Jan 14, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 85
Views: 6970

Re: What is the best home exercise equipment?

+1 for a treadmill for the winter, bikes are okay, elliptical seems like unnatural motion but easy on the joints A rack, barbell, plates, and a bench are the best for working out (you don't have to be a young man to do it). The Deadlift, Squat, Bench Press, Row, Dips, Curls, Pull-ups, Chin-ups, Lat...
by dm200
Sun Jan 14, 2018 5:07 pm
Forum: Investing - Theory, News & General
Topic: Understand Expense Ratio
Replies: 14
Views: 724

Re: Understand Expense Ratio

With employer 401k or 403b plans, not also that there may be added fees/ratios beyond the stated expense ratio of the mutual fund. Such added fees may be deeply buried and difficult to find the truth in the documents.
by dm200
Sun Jan 14, 2018 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Any negatives to children going on a parents deed via a lady bird deed?
Replies: 7
Views: 792

Re: Any negatives to children going on a parents deed via a lady bird deed?

In our local jurisdiction, there is a relatively generous real estate tax relief or deferral (depending on income) for those over 65. This is a high home value locality and our annual real estate tax bill is about $6,000. We now get the relief. One requirement is that the home must be owned solely b...
by dm200
Sun Jan 14, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 61
Views: 3609

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

Three possible things I can think of: 1. You depend on direct deposit of a pay or retirement check and it is, for some reason, messed up or delayed. 2. Posting bail (or having family member post for you). [This actually happened to a friend. She needed $2,500 - CASH ONLY - to be bailed out of the lo...
by dm200
Sun Jan 14, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Renting in NYC for a new college grad. Best practices?
Replies: 23
Views: 1807

Re: Renting in NYC for a new college grad. Best practices?

livesoft wrote:
Sat Jan 13, 2018 5:53 pm
Find roommates, preferably friends who already have a place rented.
Yes - and while doing this - work on establishing credit, learn the rental details, the "unique" nature of NY City and New Yorkers.
by dm200
Sun Jan 14, 2018 11:10 am
Forum: Investing - Theory, News & General
Topic: Understand Expense Ratio
Replies: 14
Views: 724

Re: Understand Expense Ratio

I would speculate that the OP means the investments in the two funds had the same returns or maybe are even exactly the same investments. In that case, with the information that holdings of a fund have to be liquidated to pay the costs of a fund, it would be obvious that there would be less wealth ...
by dm200
Sun Jan 14, 2018 11:01 am
Forum: Investing - Theory, News & General
Topic: Understand Expense Ratio
Replies: 14
Views: 724

Re: Understand Expense Ratio

I read the post to say that the return for the year of each fund is 10%. That is the same statement as saying that starting with the same amount of money in each fund the two funds will also have the same amount of money at the end of the year, namely 10% more than started with. Either there is a m...
by dm200
Sun Jan 14, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: COBRA alternative for 1 month? (it's $2,400 per month!)
Replies: 69
Views: 3187

Re: COBRA alternative for 1 month? (it's $2,400 per month!)

Careful - these plans can be thwarted if notice is given on Jan 19 for an anticipated last day of Feb 2 (two week notice period, with coverage through Feb 28). Some employers may tell you that your last day is Jan 31 for this very reason. Absolutely. I worked for such an employer in the 1980's. The...
by dm200
Sun Jan 14, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 81
Views: 4036

Re: Looking for a reasonably priced, safe international destination

My point is, depending on your kid's imagination, the Province of Quebec could be a good easy place to introduce your kids to a new culture and sounds, but not really go that far away. I think the CAN/US dollar exchange is very favorable right now while the US/ISK isn't great. Yes - if you have not...
by dm200
Sun Jan 14, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: Understand Expense Ratio
Replies: 14
Views: 724

Re: Understand Expense Ratio

Trying to clarify how Expense Ratio affect my holdings. Example I have two funds. First fund has a Expense Ratio of 0.10%.(fund one) Second fund has a Expense Ratio of 1.00%. (fund two) In the beginning of the year I put $1000 in each fund. The return at the end of the year is 10%. My question: Whi...
by dm200
Sun Jan 14, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 81
Views: 4036

Re: Looking for a reasonably priced, safe international destination

Canada is a great idea, but we have been several times and would like to try something new. Bermuda is an idea! Cruises are not for everyone. We took cruises to Bermuda twice. Once was from Alexandria - rare occasion when a small ship came up the Potomac. One from Baltimore. The Baltimore - Bermuda...
by dm200
Sun Jan 14, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Do you correct cashier mistakes?
Replies: 41
Views: 2028

Re: Do you correct cashier mistakes?

Sometimes - as I age - it is not a mistake, but the "Senior Discount" ..

Good financially. Bad emotionally ... :confused
by dm200
Sun Jan 14, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Do you correct cashier mistakes?
Replies: 41
Views: 2028

Re: Do you correct cashier mistakes?

Usually. I don't for very small amounts - in either direction.
by dm200
Sun Jan 14, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 81
Views: 4036

Re: Looking for a reasonably priced, safe international destination

livesoft wrote:
Sun Jan 14, 2018 9:49 am
Bermuda. It will be full of Americans then which could make it very dangerous.
There are Bermuda cruises from Baltimore.
by dm200
Sun Jan 14, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 81
Views: 4036

Re: Looking for a reasonably priced, safe international destination

PFInterest wrote:
Sun Jan 14, 2018 9:45 am
Canada.
Yes. Even French Canada, where English only speakers can get along quite well. Montreal and Quebec City are wonderful.

Or Bermuda. Consider a cruise.
by dm200
Sun Jan 14, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Trying to help acquaintence - medicare costs
Replies: 63
Views: 1977

Re: Trying to help acquaintence - medicare costs

In my opinion you would have to be insane to not have Medicare A,B, and D and a Medigap or Supplement plan or the equivalents in an Advantage Plan. As mentioned before there is quite a range of standardized Medigap plans, many of which are not as expensive as the plan we are discussing. Yes - I agr...
by dm200
Sun Jan 14, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Trying to help acquaintence - medicare costs
Replies: 63
Views: 1977

Re: Trying to help acquaintence - medicare costs

My thinking exactly. Her plan may be more expensive than mine and others, but that does not mean she can get good coverage for a whole lot less, especially if she has to add in a Medicare Part D premium as well. One thing that comes to mind. It is unclear if your friend is inexperienced and naive o...
by dm200
Sun Jan 14, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Questions re:home insurace
Replies: 7
Views: 563

Re: Questions re:home insurace

-Dwelling value changes yearly based on inflation(their inflation is higher than SS inflation) This happens annually with our State Farm homeowners policy. What seems to happen, though, is that it seems to increase more than replacment cost - so we have needed to reduce the insured amount. On the o...
by dm200
Sun Jan 14, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: COBRA alternative for 1 month? (it's $2,400 per month!)
Replies: 69
Views: 3187

Re: COBRA alternative for 1 month? (it's $2,400 per month!)

Since many employer plans seem to cover the employee/family until the end of the month of termination, maybe you should try to leave one employer well before the end of the month to have continued coverage. This. Old employer coverage is effective through end of the month employee leaves. New emplo...
by dm200
Sat Jan 13, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA alternative for 1 month? (it's $2,400 per month!)
Replies: 69
Views: 3187

Re: COBRA alternative for 1 month? (it's $2,400 per month!)

The board posters are all correct about the 60 day period of being able to retroactively claim coverage. I was in the situation once and had a one month hiatus and elected COBRA and paid it in advance. Why? Because things can get very hairy if you decide at say 50 or 55 days that you need the cover...
by dm200
Sat Jan 13, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Trying to help acquaintence - medicare costs
Replies: 63
Views: 1977

Re: Trying to help acquaintence - medicare costs

One thing that did catch my eye was this: •Some Medigap policies sold in the past cover prescription drugs, but Medigap policies sold after January 1, 2006 aren't allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (P...
by dm200
Sat Jan 13, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Questions re:home insurace
Replies: 7
Views: 563

Re: Questions re:home insurace

I used the replacement cost calculator with my State farm agent. What do you mean "cash out" option? It means that the your insurance policy will give you money (equivalent dwelling value) instead of having to re-build at the same location in case of complete damage. OK - could be wrong, but seems ...
by dm200
Sat Jan 13, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Trying to help acquaintence - medicare costs
Replies: 63
Views: 1977

Re: Trying to help acquaintence - medicare costs

Dealing with her is like peeling an onion. BUT - one layer at a time.. I think you must be one fine friend to have taken this on. :happy We shall see.. One pattern that is emerging is that she does not seem to understand the relatively large amount of mortgage debt she has taken on. This is her con...
by dm200
Sat Jan 13, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA alternative for 1 month? (it's $2,400 per month!)
Replies: 69
Views: 3187

Re: COBRA alternative for 1 month? (it's $2,400 per month!)

Since many employer plans seem to cover the employee/family until the end of the month of termination, maybe you should try to leave one employer well before the end of the month to have continued coverage.
by dm200
Sat Jan 13, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: HMO Blue vs. Preferred Blue PPO
Replies: 10
Views: 488

Re: HMO Blue vs. Preferred Blue PPO

I guess the drawback would be if the PCP couldn't been seen promptly, delaying the referral to a specialist. This system makes the PCP the manager/general contractor for all of the patient's health care. Will this be a problem? It's a definite maybe, it's not a problem until it's a problem. I have ...
by dm200
Sat Jan 13, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Cell Phone "family plans" Sprint for 4
Replies: 24
Views: 1571

Re: Cell Phone "family plans" Sprint for 4

I don't believe our offer is quite as good as your son's. This is the cost per line under our plan: Unlimited Talk, Text and Data. Line 1: $65; Line 2: $45; Lines 3-10: $35; Lines 11-99: $30. Unlimited Anytime Minutes. Unlimited Messaging. HD Streaming. 10GB Mobile Hotspot. International Text from ...
by dm200
Sat Jan 13, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Cell Phone "family plans" Sprint for 4
Replies: 24
Views: 1571

Re: Cell Phone "family plans" Sprint for 4

I don't believe our offer is quite as good as your son's. This is the cost per line under our plan: Unlimited Talk, Text and Data. Line 1: $65; Line 2: $45; Lines 3-10: $35; Lines 11-99: $30. Unlimited Anytime Minutes. Unlimited Messaging. HD Streaming. 10GB Mobile Hotspot. International Text from ...