Search found 656 matches

by imagardener
Sat Feb 20, 2016 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Bequests to nieces nephews of loyal opposition
Replies: 12
Views: 1417

Bequests to nieces nephews of loyal opposition

In a nutshell: should aunts and uncles leave equal bequests to blood relatives that have opposite world views? Facebook is the way we stay in touch with our age 30-something nieces and nephews. We are childless 60-somethings, and we know their political leanings and they know ours and we are 180 deg...
by imagardener
Tue Dec 31, 2013 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: 10 year plan-secret to success
Replies: 0
Views: 560

10 year plan-secret to success

This is the time of year we (spouse and I) sit down and talk about what our plans are for next year, 1-5 years and then 10 years out. Helps us feel as though we are driving the bus instead of Life pushing us around, although it always been a mix of both. We've been doing it for over 20 years. If I h...
by imagardener
Thu Dec 26, 2013 9:13 am
Forum: Personal Finance (Not Investing)
Topic: High Deductible Health Plan question
Replies: 35
Views: 2972

Re: High Deductible Health Plan question

[i] Secondly you need to watch out for doctors or other medical business that wants more money than the contracted rate. This happened to me a couple years ago and I didn't understand what was happening until it was too late. The doctor was in my network but wanted more money, money upfront that wa...
by imagardener
Wed Dec 25, 2013 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: High Deductible Health Plan question
Replies: 35
Views: 2972

Re: High Deductible Health Plan question

I have always had a HDHP (25+ years) and never had to pay anything up front. Have HDHPs existed that long? I thought they were a recent offer. Or only HSAs are recent? Victoria It was called an MSA when we started (Medical Savings Account) now it's HSA. I'm not sure when the MSA part started (only ...
by imagardener
Wed Dec 25, 2013 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: High Deductible Health Plan question
Replies: 35
Views: 2972

Re: High Deductible Health Plan question

What happens when I go to the doctor with the HDHP? Will I pay nothing up front and wait on a statement from the doctor? Will I be paying full freight until I hit our deductible (which will be $3500/$7000) or will we pay the rate the insurance company negotiated with the doctor - giving me the same...
by imagardener
Wed Dec 25, 2013 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Good single fund for conservative retiree
Replies: 25
Views: 2347

Re: Good single fund for conservative retiree

PenFed has a 3% CD so you'd look like a genius compared to what she is getting (1% or less) on her 10k now. Perhaps suggest laddering in 5k now and spread the other 5k over 5 months so she's always have access to some part of the money if needed. It's not a windfall but totally secure and she could ...
by imagardener
Sun Dec 15, 2013 9:20 pm
Forum: Personal Consumer Issues
Topic: Dessert anyone?
Replies: 34
Views: 3413

Re: Dessert anyone?

If you are truly throwing caution to the winds then have dessert in Paris. That would be one never-forgotten dessert.
by imagardener
Sun Dec 15, 2013 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Advice sought for a trust and a joint account
Replies: 5
Views: 684

Re: Advice sought for a trust and a joint account

Why didn't the beneficiary manage the money herself? It would have all disappeared into who-knows-what a long time ago. Well I've got some experience with this too (from the other side of the family). But kind of amazing that the beneficiary sold her own property and then locked it up in a trust sh...
by imagardener
Sun Dec 15, 2013 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Advice sought for a trust and a joint account
Replies: 5
Views: 684

Re: Advice sought for a trust and a joint account

Why is the trustee asking for advice? Concerns from the beneficiary? I have some experience looking back on a relatives trust that passed to her adult children. Income was not maximized for the beneficiary (surprisingly) but the trust was "professionally" managed and not sure the beneficia...
by imagardener
Sun Dec 15, 2013 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Can a health insurer turn me down?
Replies: 9
Views: 957

Re: Can a health insurer turn me down?

If you applied for a plan that is not ACA compliant then I believe they could refuse to insure you. Did you apply for an ACA compliant plan? That idea never occurred to me. I thought the law of the land was that in 2014 all new plans must be ACA compliant. So you scared me enough to go to my insure...
by imagardener
Sun Dec 15, 2013 2:15 pm
Forum: Personal Consumer Issues
Topic: Discounts for seniors
Replies: 19
Views: 2565

Re: Discounts for seniors

I checked the one senior discount I am aware of and it's wrong. Beall's gives a 15% discount on Tuesdays to seniors not 20% and it's every Tuesday not once a month. (Don't know whether to be happy or not but I didn't get the discount once and had to go back. No they didn't ask for ID when I went bac...
by imagardener
Sun Dec 15, 2013 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Can a health insurer turn me down?
Replies: 9
Views: 957

Re: Can a health insurer turn me down?

If the plan has a 2013 effective date you can be declined. If it has a 2014 effective date you cannot be declined. Thank you for your reply. My application has a 1/18/2014 start date because my current insurance has the 18th payment date and they declined to change it to 1/1/2014 because it was too...
by imagardener
Sun Dec 15, 2013 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Can a health insurer turn me down?
Replies: 9
Views: 957

Can a health insurer turn me down?

I made my 2014 health insurance decision last week, stayed with my longtime health insurer Assurant, but changed my policy to a new one similar to my current policy but over 25% less expensive. Keeping all my doctors so it will feel fairly similar. The policy is also with the same provider, Aetna, t...
by imagardener
Sun Dec 15, 2013 11:52 am
Forum: Personal Finance (Not Investing)
Topic: I Need to Leave My Financial Advisor
Replies: 66
Views: 9490

Re: I Need to Leave My Financial Advisor

LadyGeek's reply is the best way to handle it. You have already given him a heads-up, there is nothing else for you to say or do. This is a business relationship first and foremost. It is his business and job to do everything he can to retain you as a client. The more you continue talking to him the...
by imagardener
Sat Dec 14, 2013 9:58 pm
Forum: Personal Consumer Issues
Topic: Giving anonymous gift
Replies: 20
Views: 1690

Re: Giving anonymous gift

island said this: Lunch maybe costs $2, he doesn't eat it, mom is behind paying for it, but she pays for him to buy vending machine snacks? And u want to pay for his lunches? I too thought what you thought but then re-read that OP said this: The school is in a poor neighborhood and, not surprisingly...
by imagardener
Thu Nov 21, 2013 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Need Advice to Prevent Organization from Being Scammed!
Replies: 12
Views: 1198

Re: Need Advice to Prevent Organization from Being Scammed!

Before "investing" the money shouldn't your board be discussing the best use of that money? Investing could lock that money up from being used. I think your treasurer is putting the cart before the horse. I am on the board of a small non-profit that inherited a smaller (but large to us) am...
by imagardener
Thu Nov 21, 2013 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Can beneficiaries agree to terms that differ from the will
Replies: 11
Views: 1302

Re: Can beneficiaries agree to terms that differ from the wi

Do you want the person who will keep more than their share to pay taxes on that property (if you all agree to allow that)? Generally the estate pays the taxes rather than the heirs so you'll have to talk to an estate attorney and determine how that could be done. For smaller issues such as personal ...
by imagardener
Mon Nov 18, 2013 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Land that won't sell: what would you do?
Replies: 85
Views: 10041

Re: Land that won't sell: what would you do?

Re: donating land for a tax write-off. Most non-profits will not accept this type of donation if it means paying taxes and no cash flow to cover them. I'm not sure if churches pay taxes on all properties or whether church property is only tax-free if used for religious purposes. After you run out of...
by imagardener
Fri Nov 15, 2013 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Signing up for health care
Replies: 324
Views: 33872

Re: Signing up for health care

I also made it through after the 4th id, must be the charm I tried ehealthinsurance.com but the information there did not seem right compared to what I had been able to see at the .gov site so I kept trying until it finally worked. I am comparing an exchange policy to one through my current insurer ...
by imagardener
Sun Nov 03, 2013 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: HSA help
Replies: 18
Views: 2944

Re: HSA help

Option 3 would cost the least but aren't you giving up the value of actually investing in the stock market compared to 1.3% for leaving it in the bank? It's an "opportunity" loss IMO and better put in the stock market (in whatever allocation you have decided on). I've been poring over the ...
by imagardener
Mon Oct 28, 2013 2:52 pm
Forum: Investing - Theory, News & General
Topic: Robert Schiller Nobel-nice guys don't finish last
Replies: 3
Views: 1221

Re: Robert Schiller Nobel-nice guys don't finish last

Thanks for the article since I can't read NYT for free any more.
Going to read his book "Give and Take", interesting topic.
by imagardener
Mon Oct 28, 2013 11:48 am
Forum: Investing - Theory, News & General
Topic: Robert Schiller Nobel-nice guys don't finish last
Replies: 3
Views: 1221

Robert Schiller Nobel-nice guys don't finish last

I am a nobody, seriously, but 10 years ago I saw an article written by Mr. Shiller that had his email address, so I emailed asking for clarification about something (don't remember what) and he actually emailed me back with an answer. Just the kind of thing that goes on in this forum but back then h...
by imagardener
Mon Oct 28, 2013 10:49 am
Forum: Personal Consumer Issues
Topic: Donating a Used TV to Charity
Replies: 44
Views: 10228

Re: Donating a Used TV to Charity

We called our local Veterans home for our first big TV and they were happy to come and get it. Truck sized. For our last one we're soon giving it to a teen down the street for his man-cave in the garage. Here in Florida many people use their garages as living space and park their cars in the drivewa...
by imagardener
Wed Oct 23, 2013 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: How did you start up your small business?
Replies: 20
Views: 3539

Re: How did you start up your small business?

I was self-employed and we built our business from zero to a well-paid career over many years. The only way we survived the mean, poor years is because we were passionate about what we did (photography) and didn't want to do anything else even for more money. I don't hear you being passionate about ...
by imagardener
Thu Oct 17, 2013 9:32 am
Forum: Personal Consumer Issues
Topic: [unhappy with ACA subsidy calculation]
Replies: 20
Views: 3705

Re: goodbye obamacare subsidy

i'm using massachusetts exchange which is run by the state. i can't speak for a federal exchange Ahh. She lives in Florida, and thus, needs to use the federal exchange. Not a big deal b/c it won't take affect until 1/1 anyway, but it would be nice to be able to look at the plans and compare her opt...
by imagardener
Thu Oct 03, 2013 5:58 pm
Forum: Personal Consumer Issues
Topic: Do we still need to own a home?
Replies: 34
Views: 4741

Re: Do we still need to own a home?

Not all areas have decent rental properties available equal in quality to home ownership. We tried to find a rental when we found the place in Florida we liked but the annual rentals were depressing. It was also hard to find the right home to buy too because we are picky but we got lucky after a lot...
by imagardener
Fri Sep 07, 2012 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: self-employed person pay payroll taxes ?
Replies: 8
Views: 1381

Re: self-employed person pay payroll taxes ?

How does a self-employed person pay payroll taxes ? Are they supposed to pay it quarterly ? A self-employed person often does not know what their income will be at the end of the year, so quarterly payments can be a wild guess. Net income can vary wildly and changes in expenses. Can you get a payro...
by imagardener
Fri Sep 07, 2012 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning for the Elderly eg trusts to shelter assets
Replies: 3
Views: 608

Re: Estate Planning for the Elderly eg trusts to shelter ass

There have been several discussions on this topic already. You can do a search to read what people have had to say about it as a start to your becoming more familiar with all the different ramifications of being "Medicaid eligible" and whether that is a goal you really want for your elder....
by imagardener
Thu Sep 06, 2012 3:43 pm
Forum: Personal Consumer Issues
Topic: Film darkroom advice
Replies: 26
Views: 2411

Re: Film darkroom advice

Some photographers love "the process" and others are more interested in the end result.You sound like the first type and I am the second. I'm a retired professional photographer who does not want to return to the darkroom. I love Photoshop which can emulate almost any effect that you want,...
by imagardener
Fri Aug 31, 2012 10:23 am
Forum: Investing - Theory, News & General
Topic: Stories like this make you wonder...
Replies: 10
Views: 2411

Re: Stories like this make you wonder...

nisiprius said: Take that point about "Find the physical address of the company's location and drive by it." How many of us have ever done that? Have we ever visited the headquarters of the brokerage or mutual fund company we deal with? This reminds me of driving past seeing the sign "...
by imagardener
Wed Aug 29, 2012 4:22 pm
Forum: Personal Consumer Issues
Topic: To Fence ... Or Not?
Replies: 93
Views: 10974

Re: To Fence ... Or Not?

could you grow some border plant that would define the border without having the actually put up a fence? Paul Exactly what my thought was, much less expensive than a fence. Nice neighbors get nice plants down the property line. Less nice neighbors get roses with thorns or other plants that would d...
by imagardener
Tue Aug 28, 2012 11:13 am
Forum: Investing - Theory, News & General
Topic: When husbands and wives are very different re: risk
Replies: 51
Views: 5171

Re: When husbands and wives are very different re: risk

If it were me (I'm female too) and my partner did not share my investment philosophy I would not change my AA for that reason, especially if it meant my taking on more risk by having more stocks than my preferred AA. If you and he have run the retirement calculators you have discovered you may need ...
by imagardener
Mon Aug 27, 2012 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Investigating/evaluating a home owners' association
Replies: 13
Views: 1693

Re: Investigating/evaluating a home owners' association

You've gotten very good advice here. Read it all and try to do it. But HOA's are subject to change and even if you do all the right things it can still turn out badly. We rented for several years before buying in the same development, bought a condo then moved up to a single-family home a few years ...
by imagardener
Mon Aug 27, 2012 7:36 pm
Forum: Investing - Theory, News & General
Topic: As stock investor, you're competing against 54% of Americans
Replies: 33
Views: 3749

Re: As stock investor, you're competing against 54% of Ameri

I think the OP brings up a valid point to consider and perhaps suggests that stock prices could be affected by how many people are buying stocks. More buyers for a resource usually means the price goes up. Fewer buyers and prices go down. But how much power do individuals have (even as a non-allied ...
by imagardener
Fri Aug 24, 2012 12:23 pm
Forum: Personal Consumer Issues
Topic: Garage floor paint vs. tile
Replies: 5
Views: 1291

Re: Garage floor paint vs. tile

Our electrician who lived in our neighborhood in Naples FL tiled his garage which caused his pregnant wife to slip and break her arm. I am not sure of what tile he used. Until then I'd never heard of anyone tiling their garage but he did high-end work in expensive homes and probably saw it in one of...
by imagardener
Thu Aug 23, 2012 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: where to find historical SPIA payout numbers?
Replies: 9
Views: 1447

Re: where to find historical SPIA payout numbers?

Taylor Thank you again. Your list is extremely useful. I will be printing it out and putting it into our financial notebook so that every 2-3 years when we again think about SPIA's and forget why we decided to wait we can refresh our memories. We do this with other financial decision, write down why...
by imagardener
Thu Aug 23, 2012 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: where to find historical SPIA payout numbers?
Replies: 9
Views: 1447

Re: where to find historical SPIA payout numbers?

Taylor Thanks for your comment about how SPIA is insurance related. We've owned little to no life insurance in our lifetime because it didn't make sense for us. Comparing an SPIA to other investment options is therefore my only frame of reference. If one feels they will be long-lived then purchasing...
by imagardener
Thu Aug 23, 2012 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: where to find historical SPIA payout numbers?
Replies: 9
Views: 1447

Re: where to find historical SPIA payout numbers?

bobcat Thank you. That is a very useful formula and helps me look at the immediateannuity charts a little better (I think). I plugged in the 65 y.o. female numbers today and the payout is 6.41%. They can't call it a "rate" because it includes capital in the payout. The 10 year bond is at 1...
by imagardener
Thu Aug 23, 2012 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: where to find historical SPIA payout numbers?
Replies: 9
Views: 1447

Re: where to find historical SPIA payout numbers?

JD Thanks for your reply. I found the graphs at immediateannuities.com but they are not too satisfying in that they only go back to 2003. How could I find longer periods to compare? My other "immediate" question is their comparison of SPIA's to bonds. An SPIA uses both capital and interest...
by imagardener
Thu Aug 23, 2012 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: where to find historical SPIA payout numbers?
Replies: 9
Views: 1447

where to find historical SPIA payout numbers?

I've been wondering how SPIA payout rates relate to the stock market in general and is there historical information for SPIA's anywhere? It's a bit too early to buy one now (based on age) but would like to look ahead and plan several purchases sometime in the future (dollar cost averaging SPIA's in ...
by imagardener
Wed Aug 22, 2012 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Just received $1380 Affordable Care rebate
Replies: 58
Views: 3821

Re: Just received $1380 Affordable Care rebate

I got $1.19 back. The company probably spent $10 to administrate and process my $1.19 refund. Whoopee. To me it sounds like the insurer you use is extremely efficient in their premium estimate. In other words you have not been overbilled so you didn't get back much. I am looking forward to seeing h...
by imagardener
Wed Aug 22, 2012 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Just received $1380 Affordable Care rebate
Replies: 58
Views: 3821

Re: Just received $1380 Affordable Care rebate

Can the OP tell what insurance company that is? Time Insurance Co. has been our health insurer for over 20 years, mainly because they were one of the early adopters of MSA's/HSA's and we wanted that tax-advantage as soon as we heard about it (had to educate our CPA about it way back when). They hav...
by imagardener
Wed Aug 22, 2012 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Just received $1380 Affordable Care rebate
Replies: 58
Views: 3821

Just received $1380 Affordable Care rebate

Wow, what a nice surprise, getting a big check in the mail from our health insurance company. The check was accompanied by a letter explaining WHY we were getting the check: because the Affordable Care Act requires insurers to spend 80% of premiums on actual health care costs and this is our share o...
by imagardener
Mon Aug 20, 2012 7:45 pm
Forum: Personal Consumer Issues
Topic: Any experience with buying high quality persian/easter rugs?
Replies: 6
Views: 1496

Re: Any experience with buying high quality persian/easter r

I own some quality Eastern rugs but discontinued buying them because of child labor concerns. There is a program that monitors and tags rugs so that they are guaranteed not to be made by children or slave labor but I now prefer to purchase machine-made area rugs. Even buying antique or used rugs doe...
by imagardener
Tue Aug 07, 2012 11:17 pm
Forum: Personal Consumer Issues
Topic: Getting pricing for medical procedures in advance
Replies: 66
Views: 6956

Re: Getting pricing for medical procedures in advance

I've had this issue for many years because we've always carried a high deductible policy. 20 years ago this question was never asked by consumers and I was always met with silence or pity (they thought I was poor and uninsured). Have you called your health insurance company? Mine now offers a servic...
by imagardener
Sun Jul 29, 2012 11:00 am
Forum: Personal Consumer Issues
Topic: No (Financial) Good Deed Goes Unpunished stories
Replies: 41
Views: 5026

No (Financial) Good Deed Goes Unpunished stories

The most common "good deed punishment" that happens to me is automotively when I let someone on a side street to get in front of me during backed-up traffic and they then do something dumb that causes me aggravation. The biggest "good deed" that punished us was many years ago in ...
by imagardener
Sat Jul 28, 2012 11:26 pm
Forum: Personal Consumer Issues
Topic: Scuba diving - to do or not to do
Replies: 41
Views: 4815

Re: Scuba diving - to do or not to do

Basically anything else people have to say on time and money would be helpful for me to decide. I am an ex-diver (ear problems) and here's my take on your question. First, you really need a reliable "buddy" to dive with. If your wife/girlfriend isn't into it who do you trust with your lif...
by imagardener
Sun Jul 08, 2012 7:44 pm
Forum: Personal Consumer Issues
Topic: I want an Airstream!
Replies: 54
Views: 10016

Re: I want an Airstream!

If you are near SLC and want to try out a Sprinter they call Two4theroad (similar to Roadtrek but by a different company) check out this outfit located in Las Vegas NV (they also have another location near Yellowstone). http://www.campervannorthamerica.com/rates.shtml I have no personal knowledge of...
by imagardener
Sat Jul 07, 2012 8:21 pm
Forum: Personal Consumer Issues
Topic: I want an Airstream!
Replies: 54
Views: 10016

Re: I want an Airstream!

Follow your dream. 5 years ago we bought a 22' conversion van (I had to learn what all the different types of RV's were called). It has been the most fun vehicle ever. Tomorrow we leave for an 8 week trip to the Southwest: Yellowstone, Utah national parks that we missed on the last trip (Zion, Capit...
by imagardener
Sun Jul 01, 2012 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Deleted
Replies: 8
Views: 1727

Re: homeowner lawsuit vs HOA

I am an ex-HOA-er (hope that doesn't sound like "ex-whore") and not knowing anything about your particular documents will say this: most HOA's cannot "upgrade" unless mandated by safety laws (such as fire sprinklers, building codes etc). In other words you must maintain what is t...