Search found 12303 matches

by dm200
Tue Jun 27, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Things to consider when going from employee to independent contractor
Replies: 13
Views: 691

Re: Things to consider when going from employee to independent contractor

When you are an employee, usually the employer will provide education/training to keep you up to date on needed skills to do your job and you receive your regular pay during those times. As an independent contractor, you will probably need to fund tht yourself (although there might be some exception...
by dm200
Tue Jun 27, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Things to consider when going from employee to independent contractor
Replies: 13
Views: 691

Re: Things to consider when going from employee to independent contractor

She will also have to spend time finding future contracts and may have gaps between contracts. True, but this is not exclusive to independent contractors. In some past lives, as an employee of a company whose business was contracting with the federal government, I had to put in, from time to time, ...
by dm200
Tue Jun 27, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Elderly Relative Reluctant to give POA
Replies: 20
Views: 1401

Re: Elderly Relative Reluctant to give POA

The type of check that banks and credit unions are the most strict about are US Treasury checks.
by dm200
Tue Jun 27, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Etiquette question regarding access easement usage
Replies: 19
Views: 1410

Re: Etiquette question regarding access easement usage

It seems to me that the sooner you start using the access the better. Certainly, introduce yourself and indicate that your use of the access easement will be on a regular basis, as well as what vehicle(s) will be using it - so that he can better identify others.
by dm200
Tue Jun 27, 2017 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Elderly Relative Reluctant to give POA
Replies: 20
Views: 1401

Re: Elderly Relative Reluctant to give POA

A relative is helping an elderly uncle who has been a nursing-home resident for three months now. To his doctor he appears to have a good mind yet, so Power of Attorney has not been authorized so far. Some of his sizable vulnerable assets were sold at his direction at the beginning of his most rece...
by dm200
Tue Jun 27, 2017 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Bank Account - Payable on Death or Account Co-Owner
Replies: 14
Views: 941

Re: Bank Account - Payable on Death or Account Co-Owner

In addition to your wife, are there other siblings and/or heirs? If so, then (depending on the nature of the relationships) I would keep them informed so that there is less likely to be confusion and misunderstanndings. Although it all worked out 100% fine, this situation of my wife is an example of...
by dm200
Tue Jun 27, 2017 7:48 am
Forum: Personal Consumer Issues
Topic: Cruise With The Grandkids
Replies: 23
Views: 1209

Re: Cruise With The Grandkids

The kids' eyes were wide open with what passed for fun at the pool and bar. I bet they loved it! A week seems like a long time with four of them - in case some aspects do not work out. Have you had all four for any such periods of time? What about one of those 2-3 day cruises to nowhere? Or, perhap...
by dm200
Tue Jun 27, 2017 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Things to consider when going from employee to independent contractor
Replies: 13
Views: 691

Re: Things to consider when going from employee to independent contractor

Hi all: my wife is thinking of changing jobs and going from an employee to an independent contractor. What are all of the things we should weigh when trying to figure out if it makes sense? I understand that her benefits go away, but she's already on my insurance. I suppose the biggest loss is life...
by dm200
Mon Jun 26, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Account - Payable on Death or Account Co-Owner
Replies: 14
Views: 941

Re: Bank Account - Payable on Death or Account Co-Owner

My in-laws wish to make my wife a co-owner on a bank checking account so she would be able to take care of expenses if there was an accident where they (her parents) both pass or are incapacitated unexpectedly. Why not just add her as a signer on their bank account ? I think (not 100% sure so check...
by dm200
Mon Jun 26, 2017 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Got rear-ended: any reason not to go through my ins?
Replies: 29
Views: 2218

Re: Got rear-ended: any reason not to go through my ins?

I was rear-ended yesterday, other driver got a citation/ticket, I got nothing. I believe she will try to fight it based on her comments "he cut me off without signaling". Is there any reason not to go through my insurance company? I have heard that my rates can go up if I go through my ow...
by dm200
Mon Jun 26, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Account - Payable on Death or Account Co-Owner
Replies: 14
Views: 941

Re: Bank Account - Payable on Death or Account Co-Owner

I am in this business and can make some comments: 1. Almost all joint accounts at banks and credit unions are joint with rights of survivorship. In some states, you can do joint without survivorship, but there may be some practical problems. Some details of joint accounts can vary by state law. A jo...
by dm200
Mon Jun 26, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Survivor benefits (SSI & Pension)
Replies: 4
Views: 328

Re: Survivor benefits (SSI & Pension)

I also think you mean Social Security Retirement and NOT SSI. Look at all of the Survivor benefit options and the tradeoffs. There are usually (but not always) multiple options, such as 100%, 50%, none, etc. So, just making up the numbers - as an example: You get, now and for life, A. $2,000 per mon...
by dm200
Mon Jun 26, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: Stupid Security Questions
Replies: 29
Views: 1922

Re: Stupid Security Questions

Where was your wedding rehearsal held? Since my wedding was 40 years ago, little chance I will remember.


Mine was 39 years ago -- and I certainly remember!!

Maybe that's because I paid for it :sharebeer
by dm200
Sun Jun 25, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: listing beneficiary on Ally application for CD
Replies: 5
Views: 483

Re: listing beneficiary on Ally application for CD

Call me old-fashioned: I do not do any online banking. The Ally 11-month CD with 1.50% interest rate is tempting to me to start. However, their application does not have a place to list a beneficiary. I called them and was told I had to wait until the account was opened; then I could go online and ...
by dm200
Sun Jun 25, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Aging parents
Replies: 13
Views: 1604

Re: Aging parents

Having joint ownership can have "unintended consequences". It is almost always "with survivorship" and overrides anything in the will. Example: Parent(s) have total assets of $500,000. Will says leave equal shares to two children, Kelly and Chris. BUT, they have bank/credit union...
by dm200
Sat Jun 24, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Mediator for ownership division of primary home
Replies: 46
Views: 1440

Re: Mediator for ownership division of primary home

Can you tell me more (if you know)? How does one find these general mediator groups and how does one select one. Are their online reviews? Do my Mom and stepdad need to get a recommendation from somebody else? Would hate to just pick one off a random Google search. And is there a way to find somebo...
by dm200
Sat Jun 24, 2017 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Mediator for ownership division of primary home
Replies: 46
Views: 1440

Re: Mediator for ownership division of primary home

As we see, there are many ways of looking at this. This is just my (seat of the pants, no legal expertise) reaction: Since a considerable amount of time has passed and since they have been married for some time and since there seems to be no historical agreements on this, given both have paid many y...
by dm200
Sat Jun 24, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Mediator for ownership division of primary home
Replies: 46
Views: 1440

Re: Mediator for ownership division of primary home

My mom and stepdad are in their 70s and have an ongoing low-boil dispute over who owns what % of their primary residence. My mom put down most of the down payment while my stepdad put down a minority amount. Since then they've equally shared mortgage payments/property taxes/property improvements an...
by dm200
Thu Jun 22, 2017 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Scenario
Replies: 7
Views: 671

Re: Auto Insurance Scenario

From what I understand, there are several parties who could be "at risk" if a car/driver causes injury/death/damage (liability). One is the driver of the vehicle and the other is/are the owner(s) of the vehicle. To the extent that it is possible, therefore, it is probably best that the own...
by dm200
Thu Jun 22, 2017 3:26 pm
Forum: Investing - Theory, News & General
Topic: Effect on shareholders when fund shuts down?
Replies: 1
Views: 287

Re: Effect on shareholders when fund shuts down?

I came across this article during an internet search: http://www.marketwatch.com/story/guggenheim-to-shut-down-emerging-market-real-estate-fund-2016-08-19 So what is the effect is on those who own an ETF or mutual fund when the management firm shuts it down? I'd guess that the procedures for taxabl...
by dm200
Thu Jun 22, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Fermenting Vegetables
Replies: 45
Views: 3238

Re: Fermenting Vegetables

i water bath can everything I do. I don't think it's the same as fermenting. I have cupboards full of quarts. lots of super spicy / dilly / garlic green beans and asparagus. I routinely make "mexican vegetables" like you'd find in a restaurant - jalapenos, onions, carrots, cilantro, etc. ...
by dm200
Thu Jun 22, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 4350

Re: Help with Guns in Estate [how to sell]

If you don't care about the price or what happens to the guns, see if there are any gun buyback programs going on in your area, where you walk in with the gun(s), hand it over to the police (or the government agency running the program), and walk out with cash money. Wow. For a forum that is usuall...
by dm200
Thu Jun 22, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Is there "better" time of year to buy older used car?
Replies: 6
Views: 1008

Is there "better" time of year to buy older used car?

Any thoughts or ideas on whether there is a better or worse time of year to purchase an older used car? Presumably that might be when more folks try to sell such vehicles or when there are fewer folks in the market for such vehicles. By "older", I mean at or approaching ten years.
by dm200
Thu Jun 22, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 62
Views: 4023

Re: Please explain how Medicare Billing works?

Add this narrative/discussion to my list of why my wife and I are very happy participants in the Kaiser Medicare Plan for this area. Close to zero billing issues/errors and prompt explanation/resolution for a small occasional "burp". I suspect such "aggravation" as described here...
by dm200
Thu Jun 22, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Sending money and confirming receipt?
Replies: 18
Views: 1067

Re: Sending money and confirming receipt?

Suppose I want to send someone a nontrivial amount of money, and, without relying on anybody to get back to me, I want to receive confirmation that they have received and deposited the money. Not that they have received a piece of paper, but the money itself. a) If I send a bank check, the paper tr...
by dm200
Wed Jun 21, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: Used cars in high demand
Replies: 16
Views: 1949

Re: Used cars in high demand

Imbros wrote:You are not receiving those letters because those cars are high in demand.


I suspect they figure you as "prime" for selling a new car! :sharebeer
by dm200
Wed Jun 21, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 4350

Re: Help with Guns in Estate [how to sell]

I understand that driving through Illinois can be problematic and staying overnight with out of state / unlicensed guns is definitely a problem or subject to very particular rules. :| Don't think it is an issue anywhere else so long as the gun is unloaded and locked in the trunk or other container ...
by dm200
Wed Jun 21, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 4350

Re: Help with Guns in Estate [how to sell]

Even if you got rid of them "legally", I would also want to make 100% sure that such guns (if used later badly) were not traced back to me.
by dm200
Wed Jun 21, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: Vanguard invite - transition to a Brokerage Acct
Replies: 31
Views: 1388

Re: Vanguard invite - transition to a Brokerage Acct

It is my understanding that, eventually, all Vanguard customers will get this "invitation". You probably, over time, will have no choice but to "accept".
by dm200
Wed Jun 21, 2017 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Cap One CD in a VG brokerage account
Replies: 9
Views: 624

Re: Cap One CD in a VG brokerage account

Thanks DM ... but how did they arrive at the "what you got price"? Did you simply tell the broker to get the best price s/he could ? Or did you tell s/he you wanted the "online market value (estimate)" and you lived with the net of that request (face value) I called Vanguard and...
by dm200
Wed Jun 21, 2017 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Cap One CD in a VG brokerage account
Replies: 9
Views: 624

Re: Cap One CD in a VG brokerage account

Thanks DM ... but how did they arrive at the "what you got price"? Did you simply tell the broker to get the best price s/he could ? Or did you tell s/he you wanted the "online market value (estimate)" and you lived with the net of that request (face value) I called Vanguard and...
by dm200
Wed Jun 21, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 4350

Re: Help with Guns in Estate [how to sell]

Note that depending on where you live, it may be illegal to transport firearms in your vehicle, unless you have a permit "to carry" or have a hunting license. Perhaps the gun dealers can come to you or friend with a permit can transport for you. If I were in this situation, I would not ta...
by dm200
Wed Jun 21, 2017 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Cap One CD in a VG brokerage account
Replies: 9
Views: 624

Re: Cap One CD in a VG brokerage account

Hi everyone ... fast question about brokered CDs held in a VG brokerage acct ... I've never owned something like this before ... thanks in advance for your help 1. I own a 5 yr capital one CD in a VG brokerage account... pays 2.4% 2. If I want to sell this CD ... I'm told ... i have to work thru a ...
by dm200
Tue Jun 20, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Church windfall - conservative investment options?
Replies: 22
Views: 1481

Re: Church windfall - conservative investment options?

If the church wants an endowment, they need a lot of expertise to run this properly. What often happens is that a Board Member who just happens to work for an investment firm has his or her bright ideas on how to invest the money. This is fraught with danger. Even larger non-profits are not immune ...
by dm200
Tue Jun 20, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: is luxury car a smarter purchase?
Replies: 102
Views: 6224

Re: is luxury car a smarter purchase?

Other might comment, but maintenance/repair costs for many "luxury" vehicles are higher.
by dm200
Tue Jun 20, 2017 9:59 am
Forum: Investing - Help with Personal Investments
Topic: CD Ladder?
Replies: 11
Views: 1063

Re: CD Ladder?

txranger wrote:I m new to cds but don't see a point to lock anything longer than a year in this rate env. Can get 1.5% w no ewp at ally. If u have more than 5 yr horizon are u supposed to be in the market?


You are predicting rates for terms over one year. A five year ladder reduces risk.
by dm200
Tue Jun 20, 2017 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Church windfall - conservative investment options?
Replies: 22
Views: 1481

Re: Church windfall - conservative investment options?

1. Determine the time frame for use or possible use of the funds, such as outreach, emergencies, building, etc. 2. Does the denomination have restrictions on such holdings? 3. Does the denomination offer or mandate that such funds be held by a larger denomination entity (a Diocese, for example, in s...
by dm200
Tue Jun 20, 2017 8:49 am
Forum: Investing - Help with Personal Investments
Topic: CD Ladder?
Replies: 11
Views: 1063

Re: CD Ladder?

Is now a good time to establish a CD ladder? I've got $100,000 that I won't need for at least 10 years, but I want to keep it as risk-free as possible. However, I've never done anything like this before, and I'm not quite sure how to structure it. The highest 5-year rate I can find is 2.30%. Would ...
by dm200
Mon Jun 19, 2017 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Question about a Will
Replies: 9
Views: 950

Re: Question about a Will

Hello, I am hoping to get some direction in reference to my father's Will that was written almost 20 years ago. My step mother (his wife) was named as beneficiary of his entire estate and upon her death, the estate would be divided 3 ways among my sister and my step brother. Specifically if my step...
by dm200
Mon Jun 19, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: Underwriting in NY for Medigap and Medicare Advantage Coverage
Replies: 3
Views: 158

Re: Underwriting in NY for Medigap and Medicare Advantage Coverage

dm200 wrote: "Not in NY State, but as far as I understand there is generally no underwriting for Medicare Advantage or Medicare Cost Plans, except for end stage renal disease." Did not quite understand your answer. Do you mean that there is no underwriting in NY for either Medigap plans o...
by dm200
Mon Jun 19, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Air conditioner for narrow windows
Replies: 22
Views: 1146

Re: Air conditioner for narrow windows

By "only 1-2 months" do you mean for this cooling season, or because you'll be moving? I'd guess that a portable unit might be easier to sell for a few bucks more than a window unit, or might be more useful someplace else later if you're not going to be in the current place long. jimb Yea...
by dm200
Mon Jun 19, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: Trying to save money on prescription drug
Replies: 28
Views: 1327

Re: Trying to save money on prescription drug

dm200 wrote: No experience with this specifically, but longer term I would look for way(s), with lifestyle changes, to target the underlying cause(s) of the coughing and wheezing. Thanks, I have looked in this, but so far I have not been able to determine what caused this. I don't smoke and I'm not...
by dm200
Mon Jun 19, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: Underwriting in NY for Medigap and Medicare Advantage Coverage
Replies: 3
Views: 158

Re: Underwriting in NY for Medigap and Medicare Advantage Coverage

I have read that there is no underwriting for Medigap and Medicare Advantage insurance in NY. Q1: Is this correct? Q2: Does this mean that if I wish to switch from Medicare Advantage to Traditional Medicare/Medigap, or vice versa, or from one Medicare Advantage insurer to a different Medicare Advan...
by dm200
Mon Jun 19, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Can One Keep Trial Deposits?
Replies: 19
Views: 2324

Re: Can One Keep Trial Deposits?

flamesabers wrote:All of my trial deposits have always been yanked bank.


So have mine!!!
by dm200
Mon Jun 19, 2017 3:07 pm
Forum: Personal Consumer Issues
Topic: Trying to save money on prescription drug
Replies: 28
Views: 1327

Re: Trying to save money on prescription drug

I have a condition where I am coughing and wheezing at night. My doctor prescribed a medication for me called Qvar inhaler. I purchased it at Walmart Pharmacy and it is working. It looks like I will have to continue taking this medication on a regular basis. The cost is $176.00 for 120 doses, and i...
by dm200
Mon Jun 19, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Auto Loan vs Mortgage
Replies: 29
Views: 1982

Re: Auto Loan vs Mortgage

BEFORE paying down mortgage to eliminate PMI, make 100% sure that this can be accomplished. I am not up on all the rules, but I am quite sure that some of this has changed in the last few years making it more stringent on eliminating PMI. It would be a shame if you paid a big lump sum - and it did n...
by dm200
Sun Jun 18, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Fermenting Vegetables
Replies: 45
Views: 3238

Re: Fermenting Vegetables

Before refirgeration, this was a common food storage technique.

The most common are sauerkraut and pickles. Healthwise, I suspect the issue might be high salt/sodium dieetary intake.
by dm200
Sun Jun 18, 2017 6:06 am
Forum: Personal Finance (Not Investing)
Topic: In-network only health insurance
Replies: 17
Views: 1447

Re: In-network only health insurance

With either plan we would never intentionally go out of network... My big concern is whether saving the $1200/year puts us at too great a risk of being on the hook for out of network care that would bankrupt us. 4) All things considered, would you pay the $1200/year extra to know that the most you'...
by dm200
Sat Jun 17, 2017 7:41 pm
Forum: Personal Consumer Issues
Topic: Air conditioner for narrow windows
Replies: 22
Views: 1146

Re: Air conditioner for narrow windows

I'm in the Boston area, building is a semi-detached house. Room is on the 2nd floor with windows facing west. Realistically we will only need to use the AC for 1-2 months. Sounds like a single hose portable is the way to go? Probably. Not like it is 100 degrees and 90% humidity for 9 months. What a...
by dm200
Sat Jun 17, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: Selling Car - Private Sale vs CarMax vs Dealer
Replies: 66
Views: 11152

Re: Selling Car - Private Sale vs CarMax vs Dealer

After two postings, we successfully sold an inoperative 2002 Chrysler Minivan (engine bad) on Craigslist for a few hundred dollars to a guy that rebuilds the engines and fixes up the body and resells them. After the cash sale, he towed the minivan away. The body was in very good condition and just o...

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