Search found 16546 matches

by dm200
Mon Jul 16, 2018 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Class Reunion Fund: How to Hold and Where to Invest?
Replies: 5
Views: 121

Re: Class Reunion Fund: How to Hold and Where to Invest?

I wonder (don't know) if there are any better ways to have ownership of the account?
by dm200
Mon Jul 16, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 284
Views: 28711

Re: Concierge medicine Worth It????

My age group is Medicare :D and you - and other posters - have made a good point about this. Although I have only seen my GP once or twice a year, that will change - if I get older :wink: - and will need more medical care. Is this Original Medicare? if so, with Medigap or not? Or is it a Medicare A...
by dm200
Mon Jul 16, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 60
Views: 2861

Re: Are Credit Cards Actually Convenient?

At some stores, the chip readers are significantly slower than the old "swipe" method, but it's not a huge deal. Yes.. I wonder how and when restaurants will use the chip readers? My guess is that fraud must be going up at restaurants that still use the swipe. The issuers have said that if a vendor...
by dm200
Mon Jul 16, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 46
Views: 1859

Re: $540 a month on food for graduate student budget too much?

I’ll throw out there that eating out, especially for lunch, can take much more time than packing something. You’ve got transportation time both ways plus ordering/prep. Just pack a sandwich, a piece of fruit, and a yogurt, and you’ve saved yourself half an hour. Very true! BUT - sometimes - for som...
by dm200
Mon Jul 16, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 60
Views: 2861

Re: Are Credit Cards Actually Convenient?

At some stores, the chip readers are significantly slower than the old "swipe" method, but it's not a huge deal.
Yes..

I wonder how and when restaurants will use the chip readers? My guess is that fraud must be going up at restaurants that still use the swipe.
by dm200
Mon Jul 16, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 46
Views: 1859

Re: $540 a month on food for graduate student budget too much?

dm200 wrote:
Mon Jul 16, 2018 11:51 am
While eating out is almost always more costly - I get the "all you can eat" Garden Bar at Ruby Tuesdays - and I avoid the ham, eggs and cheese.
Other "all you can eat" buffets can sometimes be a net bargain - if you eat enough AND can schedule such visits.
by dm200
Mon Jul 16, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 46
Views: 1859

Re: $540 a month on food for graduate student budget too much?

While eating out is almost always more costly - I get the "all you can eat" Garden Bar at Ruby Tuesdays - and I avoid the ham, eggs and cheese.
by dm200
Mon Jul 16, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 46
Views: 1859

Re: $540 a month on food for graduate student budget too much?

Fresh Vegetables
Fresh Fruits & Berries
Starches like corn, pumpkin, and potatoes
Legumes like peas, beans, and lentils
Whole grains like barley, rye, and brown rice
On balance, much less expensive way of eating.

Lower cost and HIGHER health benefits! Win - Win
by dm200
Mon Jul 16, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 50
Views: 5527

Re: Peloton spin bike worth the high cost?

I just use the recumbent stationary bike at the gym.

I don't need/want someone else telling me what to do - as in a spin class; I have a wife.
by dm200
Mon Jul 16, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Where to get a $100 bill?
Replies: 39
Views: 3208

Re: Where to get a $100 bill?

DanMahowny wrote:
Mon Jul 16, 2018 9:57 am
Vegas
Or ask a friend/acquaintance who goes to the casino or racetrack.

Use the correct term - you want a "Benjamin" :)
by dm200
Mon Jul 16, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Questioning insurance valuation for homeowners
Replies: 24
Views: 1178

Re: Questioning insurance valuation for homeowners

With State Farm to show them I am willing to accept a lower valuation and deductible. Not a good idea, just work with them and not resort to these games? Suggest doing what we did - go to their office and sit down and work through calculator - make sure they use the accurate figures - square ft, ro...
by dm200
Mon Jul 16, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 60
Views: 2861

Re: Are Credit Cards Actually Convenient?

I'd like to hear from other Bogleheads what they believe are the benefits of using credit cards, and whether these benefits outweigh the various hassles that come along with credit cards. I've been giving some thought to this because I've noticed that over the past several years, my credit cards ha...
by dm200
Mon Jul 16, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 284
Views: 28711

Re: Concierge medicine Worth It????

And in the "Old old days", the "family doctor" would also stop by your house, and see the patient in bed if they were very sick. However, I think some of those "events" back then would now be handled by a hospital admission, many of them appropriate. Been there. Our doctors then were husband and wi...
by dm200
Mon Jul 16, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Where to get a $100 bill?
Replies: 39
Views: 3208

Re: Where to get a $100 bill?

I have seen a number of Wells Fargo ATM's that distribute $100's . They usually have it on the front (at least the ones I have seen). With Ally, there will be no fee to you for using a WF ATM. I have not seen that from any ATMs I use. All I see now are $20 bills from ATMs I use. Years ago, there wa...
by dm200
Mon Jul 16, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Where to get a $100 bill?
Replies: 39
Views: 3208

Re: Where to get a $100 bill?

stan1 wrote:
Sun Jul 15, 2018 9:14 pm
It's a reason among many to join your local credit union.
Yes -

Also, I suspect that most stores/merchants that do cash transactions would be happy to give you a hundred dollar bill for smaller change.
by dm200
Mon Jul 16, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 284
Views: 28711

Re: Concierge medicine Worth It????

For the most part, the days are long gone when your PCP had time (and got paid) to leave his office and drive over to the hospital to see patients. Hospitalists have taken over this role which is generally much more efficient because they live in the hospital. I'm not sure how this would work in a ...
by dm200
Mon Jul 16, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 284
Views: 28711

Re: Concierge medicine Worth It????

By the way, I believe the new Shingrix vaccine (2 part series) IS covered by Medicare. My folks and H both have Medicare. I believe there may be a $30 copay per injection as I paid that on my folks behalf per person before insurer said it was covered and I should be reimbursed and pharmacy reimburs...
by dm200
Sun Jul 15, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 50
Views: 5567

Re: Be Careful Using Mailboxes

munemaker wrote:
Sun Jul 15, 2018 3:43 pm
I keep my use of US Postal Service to the absolute minimum.
There are some reasons to use the USPS - Scam artists tend to shy away from using the Post office because of the penalties, etc. of using the US Mail.
by dm200
Sun Jul 15, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Questioning insurance valuation for homeowners
Replies: 24
Views: 1178

Re: Questioning insurance valuation for homeowners

Also, is it worth shopping around and getting another insurer’s quote with replacement value as a negotiation tool?[/quote]

Negotiating tool with whom for what?
by dm200
Sun Jul 15, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 284
Views: 28711

Re: Concierge medicine Worth It????

I don't know all the details - but friends of ours are in a Humana MA plan. Both husband and wife are in the plan with the same PCP, but the husband sighed up with the DR concierge extra fee and the wife did not. Very confusing - I will check with them how it works.
by dm200
Sun Jul 15, 2018 1:19 pm
Forum: Investing - Theory, News & General
Topic: Which Brokerage to use strictly for Brokered CDs
Replies: 18
Views: 1360

Re: Which Brokerage to use strictly for Brokered CDs

They are super nice at Schwab and helpful -- I have contacted them during the weekends, etc. I have also stopped in at the office once or twice to drop off stuff. I just helped my mom buy brokered CDs from Merrill Edge for her IRA. I wish I had discovered them sooner. It really is easier than shopp...
by dm200
Sun Jul 15, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 284
Views: 28711

Re: Concierge medicine Worth It????

But my question was more about the "concierge medicine retainer" : I had assumed that a concierge physician charged a fee that was intended to sort of pay for extra time, so she/he could have fewer patients and more easily take more time with each. If one is just "pre-paying" medical care, how does...
by dm200
Sun Jul 15, 2018 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Inlaws need $50k loan for new home, hard time finding lenders
Replies: 17
Views: 2282

Re: Inlaws need $50k loan for new home, hard time finding lenders

Take out a margin loan. https://www.interactivebrokers.com/en/index.php?f=18069 This is a good way if they have sufficient assets in a taxable account and a wide margin in case of a market drop (so they don't get a margin call). IB has very low margin rates. 3.41% now on a 50k loan. There are no fi...
by dm200
Sun Jul 15, 2018 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Questioning insurance valuation for homeowners
Replies: 24
Views: 1178

Re: Questioning insurance valuation for homeowners

boglerdude wrote:
Sun Jul 15, 2018 5:28 am
Get a Replacement Cost Appraisal Report
How much would you save (or lower risk) by spending money for such an appraisal?
by dm200
Sun Jul 15, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 284
Views: 28711

Re: Concierge medicine Worth It????

My parents’ primary care doctor switched to a concierge a few years ago. They were reluctant to join but love their doctor and they live in a somewhat remote area and he is nearby. My mom (71) was diagnosed with a tumor on her pancreas last year. The concierge service had her at Johns Hopkins (seve...
by dm200
Sun Jul 15, 2018 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Inlaws need $50k loan for new home, hard time finding lenders
Replies: 17
Views: 2282

Re: Inlaws need $50k loan for new home, hard time finding lenders

mortfree wrote:
Sat Jul 14, 2018 8:39 pm
Borrow more (100k for instance) and then pay a lump amount after the first payment is due (????)
Yes - that is the simplest - as long as the monthly payment on $100k is something they can handle.
by dm200
Sun Jul 15, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 284
Views: 28711

Re: Concierge medicine Worth It????

https://medcitynews.com/2014/02/many-patients-primary-care-physician-care/ The article has some data about patient panel size. Thanks, ram, for the link. This is very useful info for the thread. Am assuming when the author uses the term "retainer based" PCPs that is the same as saying "concierge se...
by dm200
Sat Jul 14, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Questioning insurance valuation for homeowners
Replies: 24
Views: 1178

Re: Questioning insurance valuation for homeowners

I had this conversation with State Farm last week. Eighty percent of the company's replacement cost estimate is just slightly less than the market value of similar homes in the area, and slightly more than I paid for the home 3 years ago. If our home burns to the ground the 80% figure will be enoug...
by dm200
Sat Jul 14, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Someone is using my cellphone number
Replies: 21
Views: 2747

Re: Someone is using my cellphone number

"Dial a Prayer" is sometimes a good number to supply.
by dm200
Sat Jul 14, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Questioning insurance valuation for homeowners
Replies: 24
Views: 1178

Re: Questioning insurance valuation for homeowners

While I believe our (current) home would be the lowest (of 3) 'quality' levels - I chose the higher (middle) quality using the State farm tool with the agent. I thought that would or could bring an added degree of "safety". In our case (very HCOL area) - and in our jurisdiction - the value of the lo...
by dm200
Sat Jul 14, 2018 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: more risky alternatives saving for down payment
Replies: 4
Views: 329

Re: more risky alternatives saving for down payment

CDs with maturity when you need the money would be my #1 choice.
by dm200
Sat Jul 14, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Questioning insurance valuation for homeowners
Replies: 24
Views: 1178

Re: Questioning insurance valuation for homeowners

State Farm sent me my annual homeowner's policy notice and it appears that they have valued the house upward quite a bit. I have a 1% of value deductible and the valuation they have is 8% higher than last year. This is more than a general inflation increase (they listed as 246 inflation coverage in...
by dm200
Sat Jul 14, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 50
Views: 5567

Re: Be Careful Using Mailboxes

Still say the postal service should receive royalties from UPS and FedEx for profiting from the USPS's lack of service and custom care and making them major players in the letter and package delivery universe. PO Box holders at my local Post Office can receive FedEX, UPS, etc. deliveries to the PO ...
by dm200
Sat Jul 14, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Questioning insurance valuation for homeowners
Replies: 24
Views: 1178

Re: Questioning insurance valuation for homeowners

State Farm sent me my annual homeowner's policy notice and it appears that they have valued the house upward quite a bit. I have a 1% of value deductible and the valuation they have is 8% higher than last year. This is more than a general inflation increase (they listed as 246 inflation coverage in...
by dm200
Sat Jul 14, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: Which Brokerage to use strictly for Brokered CDs
Replies: 18
Views: 1360

Re: Which Brokerage to use strictly for Brokered CDs

Only experience with Vanguard - all good for brokered CDs
by dm200
Fri Jul 13, 2018 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Article on Medicare Advantage Rates for 2019
Replies: 2
Views: 406

Re: Article on Medicare Advantage Rates for 2019

Any idea what this article about MA rates for 2019 means? https://www.medicarefaq.com/faqs/2019-medicare-advantage-plans-rate-hike/ This website is a consortium of insurance agents out to sell new policies . Therefore, I would not put too much stock in what they post since they have their own agend...
by dm200
Fri Jul 13, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 9202

Re: When does frugal cross the line to cheapskate?

delamer wrote:
Fri Jul 13, 2018 5:26 pm
mptfan wrote:
Fri Jul 13, 2018 5:23 pm
Grt2bOutdoors wrote:
Fri Jul 13, 2018 5:08 pm
I don’t tip the taxing authority either.
Neither do I, I tip the waitstaff.
+1
My local jurisdicton taxes restaurant meals at 10%.
by dm200
Fri Jul 13, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 50
Views: 5567

Re: Be Careful Using Mailboxes

Some folks have a mail slot in their front door.
by dm200
Fri Jul 13, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 9202

Re: When does frugal cross the line to cheapskate?

When she ate at a restaurant, my ex-MIL would order water with ice and extra lemon, then she would squeeze the lemons into the water and add sugar from the sugar packets on the table and make what I would refer to as "cheapskate lemonade." I think that crosses the line to cheap and it always embarr...
by dm200
Fri Jul 13, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 50
Views: 5567

Re: Be Careful Using Mailboxes

There has been an epidemic of mail theft in Northeast Queens. Someone stole a charity donation my parents mailed and washed the check clean of ink and wrote the check out to an unknown third person. When my father checked his balance with the teller at the bank he discovered that his $10 check beca...
by dm200
Fri Jul 13, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 9202

Re: When does frugal cross the line to cheapskate?

If your frugality is making someone unhappy, you've crossed the line. That someone could be somebody else ("stingy,") or it could be you ("miserly.") What if that someone else is a spendthrift significant other who makes a comparable amount of money to you. You being frugal means you want to pay $2...
by dm200
Fri Jul 13, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 9202

Re: When does frugal cross the line to cheapskate?

Being "frugal" in small things, over time and many such things - can add up to real savings over months and years. Compared with previous physicians, with our current plan - we do not pay for parking anywhere. Most physicians we had before were $5 parking er visit. Adds up over time - especially as ...
by dm200
Fri Jul 13, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 284
Views: 28711

Re: Concierge medicine Worth It????

Related question/issue: When evaluating a Primary Care Physician, not doing concierge practice, what is a fair and reasonable way to determine if the Physician has adequate capacity for patients or is "over booked"? Good question! Guess you could sneak into the waiting room, take a seat in the corn...
by dm200
Fri Jul 13, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 284
Views: 28711

Re: Concierge medicine Worth It????

Related question/issue: When evaluating a Primary Care Physician, not doing concierge practice, what is a fair and reasonable way to determine if the Physician has adequate capacity for patients or is "over booked"? Maybe put another way - how common or uncommon is it for a Phyician or a group prac...
by dm200
Fri Jul 13, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 284
Views: 28711

Re: Concierge medicine Worth It????

Related question/issue: When evaluating a Primary Care Physician, not doing concierge practice, what is a fair and reasonable way to determine if the Physician has adequate capacity for patients or is "over booked"?
by dm200
Fri Jul 13, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 284
Views: 28711

Re: Concierge medicine Worth It????

In my own informal survey here - patients I have talked to so far - I have been unable to find a single one who is going to pay the extra $$$ and stick with the doc.
Interesting. No direct experience either with folks who have paid this annual fee either.
by dm200
Fri Jul 13, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 284
Views: 28711

Re: Concierge medicine Worth It????

It seems to me that one financial benefit for Physicians doing this is that there is little paperwork or expense in the annual fee. No insurance forms to file, no waiting for reimbursement, no rejections, etc. No, you misunderstand. These physicians that are collecting concierge fees in the $1,650 ...
by dm200
Fri Jul 13, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 284
Views: 28711

Re: Concierge medicine Worth It????

Yes most group practices will have their partners or their doctors available for existing patients.
That has been my experience with group practices as well.