Search found 16138 matches

by dm200
Tue Jun 19, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 62
Views: 4556

Re: How much (green) cash at home for emergency ?

After reading some of these posts, I am now thinking of increasing my "stash". Probably in fireproof and locked "safe" at home - as well as some in my wallet. Maybe a hundred or so in dollar coins. As far as "risks" of being accused of something improper or illegal: [My opinions] 1. The various thre...
by dm200
Tue Jun 19, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 31
Views: 1665

Re: "distilled" water for wife's CPAP machine

HIinvestor wrote:
Mon Jun 18, 2018 10:49 pm
Wow, the price of the little bottles of distilled water are EACH several times the price of a gallon! What a ripoff! You could just buy a new gallon bottle each week for the less than the price of those small 11-12 oz bottles—wow!
She buys gallon containers of distilled water now.
by dm200
Tue Jun 19, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 62
Views: 4556

Re: How much (green) cash at home for emergency ?

Just as a counter point. The BofA ATM's around here run out of cash every Friday thru about Mid Saturday. I assume that this is because of the reduced bank hours, and the desire to have cash for the weekend. I don't go to an ATM to withdraw often, but the line is noticeable on every weekend. Yes - ...
by dm200
Mon Jun 18, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: Rowing machine motivation
Replies: 82
Views: 4963

Re: Rowing machine motivation

No expertise myself - but from credible things I read - to maximize performance in running - you need to do almost all training/preparation running.
by dm200
Mon Jun 18, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 56
Views: 2423

Re: How much car to buy reasonably?

Hi there, I am looking to buy a daily car for commute and fun. I am planning to buy used/certified vehicle in order to avoid the huge initial depreciation. My salary range is: $175k annually and net worth at about ~$2.x millions. Only debt I have is mortgage $312k. House is worth $850k. Monthly pay...
by dm200
Mon Jun 18, 2018 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: How to brokered CDs differ?
Replies: 7
Views: 590

Re: How to brokered CDs differ?

michaeljc70 wrote:
Mon Jun 18, 2018 4:10 pm
Many of the brokered cds I come across can be called. I haven't seen that in bank CDs.
Bank or credit union direct CDs rarely can be called.

Most of the brokered CDs I see cannot be called - but some can. Look at the search criteris and details.
by dm200
Mon Jun 18, 2018 5:08 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 31
Views: 1665

Re: "distilled" water for wife's CPAP machine

OK - better to be "beaten up" here than by my wife ;)

I will say nothing :)
by dm200
Mon Jun 18, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 31
Views: 1665

"distilled" water for wife's CPAP machine

My wife uses a CPAP machine at night and the one she uses has a container for water. She buys "distilled" water.

Before I suggest this to her - I wonder if the condensed water from a dehumidifier might be satisfactory as a "free" alternative?
by dm200
Mon Jun 18, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 53
Views: 3813

Re: how to make friends in new location?

Depending on the details of the locality, there are often large differences in "parishes" (or similar terms) in the same denomination. You might "fit in" well or not so well in different ones.
by dm200
Mon Jun 18, 2018 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: How to brokered CDs differ?
Replies: 7
Views: 590

Re: How to brokered CDs differ?

While brokered CDs can be offered for sale on the secondary market, there is a 1-2% bid-ask spread if you sell.

In addition, brokered CDs do not (and cannot) be renewed at maturity. Neither can interest be compounded in the CD.

ALL brokered CDs by Vanguard are from FDIC insured banks.
by dm200
Mon Jun 18, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 53
Views: 3813

Re: how to make friends in new location?

Place(s) of worship

Dog - dog parks

neighborhood/civic association

volunteering

gym - rec centers - exercise classes
by dm200
Mon Jun 18, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 62
Views: 4556

Re: How much (green) cash at home for emergency ?

haven't done this - BUT if I were to do something like hiding or burying money in the back yard - I think I would use dollar coins - paper currency could fall apart of be eaten by animals.
by dm200
Mon Jun 18, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24178

Re: Concierge medicine Worth It????

I agree that I have gotten exceptional treatment but also have to say I’m a very good patient in that I follow our agreed upon treatment regimen and let them know promptly if something is amiss. I also admit I’ve had to fire quite a few doctors along to way to get the exceptional team I have and th...
by dm200
Mon Jun 18, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 62
Views: 4556

Re: How much (green) cash at home for emergency ?

I have $50 dollar bill in my wallet since a long time... Haven't spent it yet.
I know a guy who keeps a condom in his wallet - just in case. Told me it has been in there for many years.
by dm200
Sun Jun 17, 2018 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 62
Views: 4556

Re: How much (green) cash at home for emergency ?

We keep in the range of $200 - $500 in various denominations - either in our wallets or at home.
by dm200
Sun Jun 17, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: Best tips for starting a new job
Replies: 19
Views: 1207

Re: Best tips for starting a new job

Paperwork can be important. Years ago, a friend of mine was hired - into a first level management role. He was one of three first level managers reporting to a second line manager. He was always late in getting his status reports to his manager because his folks were late in getting them to him. One...
by dm200
Sun Jun 17, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Best tips for starting a new job
Replies: 19
Views: 1207

Re: Best tips for starting a new job

WildBill wrote:
Sun Jun 17, 2018 10:23 am
Howdy
Ears open. Mouth shut.
W B
Like that. I could always do the former - but rarely the latter :(
by dm200
Sun Jun 17, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: Basic Inflation Questions
Replies: 21
Views: 1020

Re: Basic Inflation Questions

and almost everyone who receives any kind of income bump based on CPI changes (no matter what the index or measure) believes and complains that the calculations and index are not correct (should be more). :)
by dm200
Sun Jun 17, 2018 2:39 pm
Forum: Investing - Theory, News & General
Topic: Basic Inflation Questions
Replies: 21
Views: 1020

Re: Basic Inflation Questions

Correct me if I am wrong, but the goal or general idea is that the substitution (or mix) will result in the about the same "quality of life" before and after. More "value" - as in cars - is also a challenge. Consumers cannot choose lesser qualify in a car - for mandatory safety features, better fue...
by dm200
Sun Jun 17, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Partial Owner of Inherited Family Farm/Land
Replies: 12
Views: 1408

Re: Partial Owner of Inherited Family Farm/Land

One factor to consider/evaluate is whether the parts of the land can be sold separately or if all (or part) must stay together. For example, if two halves of the land fit well with the two adjacent farms - or not.
by dm200
Sun Jun 17, 2018 2:22 pm
Forum: Investing - Theory, News & General
Topic: Basic Inflation Questions
Replies: 21
Views: 1020

Re: Basic Inflation Questions

The main thing I'd caution you about is how the CPI (Consumer Price Index) is calculated. The CPI is the number used by the federal government as the "official" inflation rate for many things, including cost of living increases for programs like Social Security. The word of caution is this: CPI is ...
by dm200
Sun Jun 17, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24178

Re: Concierge medicine Worth It????

I think it might be worth it if you have complicated health issues and need more attention from your doctor. Primary Care Doctors struggle to make a good salary and this is a legitimate way of running a business. The insurance system is the problem, not the doctors. It can also be more "subjective"...
by dm200
Sun Jun 17, 2018 2:04 pm
Forum: Investing - Theory, News & General
Topic: Basic Inflation Questions
Replies: 21
Views: 1020

Re: Basic Inflation Questions

For example, the CPI assumes that individuals will eventually choose to purchase flank steak instead of skirt steak as prices rise. Eventually, consumers will choose hamburger over flank steak. Eventually, hot dogs over hamburger. Etc. Yes - but the substitution is not always to a lower quality cho...
by dm200
Sun Jun 17, 2018 1:51 pm
Forum: Investing - Theory, News & General
Topic: Basic Inflation Questions
Replies: 21
Views: 1020

Re: Basic Inflation Questions

Each individual or family will have differences in their "cost of living" as well - some higher and some lower. Food costs, for most, will tend to go up with the general increase. If you own a paid for home or have a long term fixed rate mortgage, then your hosing costs will probably go up less than...
by dm200
Sun Jun 17, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Take a job with a company being acquired?
Replies: 15
Views: 1153

Re: Take a job with a company being acquired?

it is not uncommon that the acquiring company "plunders" the acquired company. There are, of course, exceptions. I would be "cautious".. [Speak from experience] Neither should you believe just about anything anyone says (or promises). I was at company B twice and that last statement rang very true ...
by dm200
Sun Jun 17, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24178

Re: Concierge medicine Worth It????

I did get a pleasant surprise recently however. My wife's insurance covers us both beyond Medicare as supplemental and provides excellent coverage, with no need for anything else besides Medicare parts A and B. We were paying $181 a month for her insurance and I don't pay for my own retiree insuran...
by dm200
Sun Jun 17, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24178

Re: Concierge medicine Worth It????

I need to correct myself. My employer offers Kaiser (formerly known as Group Health), I was unaware of the buyout. Personally I do not know anybody that signed up because of it is such an expensive option, more than 1,000/mo. above my current option . Strange! In recent years, Kaiser coverage throu...
by dm200
Sun Jun 17, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24178

Re: Concierge medicine Worth It????

To clarify, my PCP is 68, in great shape and plans on practicing another 5 or so years. He does not need the money but I am absolutely sure the quality of life for him will be much improved. HE has cited numerous times he is tired of getting 5 minutes to talk about 2 problems when the patient has 5...
by dm200
Sun Jun 17, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Functional Medicine/ managing the costs
Replies: 31
Views: 1431

Re: Functional Medicine/ managing the costs

I have seen patients benefit from functional medicine. Its a disservice to refuse patient autonomy which we hold above all else. If the placebo effect works for a patient, doesn't bankrupt them and doesnt cost a lot, doesnt lead to other things- predatory practices etc, and doesnt cause harm then I...
by dm200
Sat Jun 16, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: Functional Medicine/ managing the costs
Replies: 31
Views: 1431

Re: Functional Medicine/ managing the costs

Interested to know if anyone has found smart ways to manage the costs for functional medicine specifically, or out of network medical cost in general? I don't have an answer to your question and, like you, I'd like to get tips from the Bogleheads who do. As a counter point to previous posts critici...
by dm200
Sat Jun 16, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24178

Re: Concierge medicine Worth It????

From my current and (7 years) recent experience with Kaiser - it seems that, with so much electronic "stuff" - Physicians can personally manage patients much more productively and efficiently these days. Compared with a few years ago, Physicians "touch" the computer a LOT more than they "touch" me. ...
by dm200
Sat Jun 16, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24178

Re: Concierge medicine Worth It????

Even if she gets a 300 patient panel it should work. $1650 per patient X 300 = 495 K. At 45% overhead her take home will be 272 K ( 55%) even if she handles everything on the phone and never bills the insurance company for anything for routine physicals etc. Not billing insurance means a lot less p...
by dm200
Sat Jun 16, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Take a job with a company being acquired?
Replies: 15
Views: 1153

Re: Take a job with a company being acquired?

it is not uncommon that the acquiring company "plunders" the acquired company.

There are, of course, exceptions. I would be "cautious".. [Speak from experience]

Neither should you believe just about anything anyone says (or promises).
by dm200
Sat Jun 16, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24178

Re: Concierge medicine Worth It????

Seems to me that the added $100/month or so is not really that much more. Also seems puzzling how these physicians can net as much when cutting back on patients. No Kaiser plan is not offered in my area and by my employer. My employer offers Blue Cross Blue Shield PPO plans and Group Health at a mu...
by dm200
Sat Jun 16, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Functional Medicine/ managing the costs
Replies: 31
Views: 1431

Re: Functional Medicine/ managing the costs

I think we should take a step back and understand that functional medicine can help patients. There are a lot of patients that we get that standard medicine just doesn't help. But its important to go to a reputed center that has doctors trained in this. A lot of it by them is basically hand holding...
by dm200
Sat Jun 16, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: Functional Medicine/ managing the costs
Replies: 31
Views: 1431

Re: Functional Medicine/ managing the costs

Interested to know if anyone has found smart ways to manage the costs for functional medicine specifically, or out of network medical cost in general? Additionally I won't spend any money on what I consider non-medical medicinal practice (although my wife occasionally insists on visiting chiropract...
by dm200
Sat Jun 16, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24178

Re: Concierge medicine Worth It????

Seems to me that the added $100/month or so is not really that much more. Also seems puzzling how these physicians can net as much when cutting so much back on patients. In addition, these physicians have added after hours "on call" work as well.
by dm200
Sat Jun 16, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Too much house vs. just enough
Replies: 38
Views: 3327

Re: Too much house vs. just enough

I've been curious about the need for bigger and bigger houses for a number of years. The house I grew up in was 3 bed, 1 full bath and with shower only, this was late 50s to 1972 when HS done and I moved. It was just 2 kids and parents in the burbs--seemed to work fine for us. Admittedly our presen...
by dm200
Sat Jun 16, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24178

Re: Concierge medicine Worth It????

My wife and I have been seen by a concierge physician for nearly 10 years. Some of the advantages from my perspective: 1. 24/7 availability to speak to doctor by phone. 2. Email questions to doctor. 3. They know the best specialists and seem to get you in on a priority basis. 4. They will go with y...
by dm200
Sat Jun 16, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24178

Re: Concierge medicine Worth It????

Some independent practitioners conveniently omit the "HMO" model when projecting future developments. We've been with Kaiser for over 10 years and not a single complaint. We get all the benefits of so-called "concierge" primary care physician access, specialist referrals if needed, quick appointmen...
by dm200
Sat Jun 16, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Functional Medicine/ managing the costs
Replies: 31
Views: 1431

Re: Functional Medicine/ managing the costs

OK, I appreciate the concern from those who do not like functional medicine, and I realize that there are detractors from anything alternative, just like there are detractors for anything traditional. If I get started and it seems hinky, I'll back away, I'm pretty smart that way. 8-) I do not seek ...
by dm200
Sat Jun 16, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24178

Re: Concierge medicine Worth It????

I wonder if anyone who has signed up for "concierge medicine" has been able to offset any of the annual fee with other savings?
by dm200
Sat Jun 16, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24178

Re: Concierge medicine Worth It????

One, big (in my opinion) challenge of good health and healthcare is proper compensation for providers. Such "providers" almost exclusively get paid for "doing things" - and not for keeping patients healthy. The "least profitable" (financially) patients are the healthy ones. Pills are covered by ins...
by dm200
Sat Jun 16, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Functional Medicine/ managing the costs
Replies: 31
Views: 1431

Re: Functional Medicine/ managing the costs

..I stick with "regular" physicians - BUT am greatly influenced by "lifestyle" changes to improve my health - nutritionfacts.org +1 I love Dr. Greger's advice. The claims in his book and on his podcast & website are all backed by scientific research. AND he's not trying to sell anything (except, I ...
by dm200
Sat Jun 16, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Too much house vs. just enough
Replies: 38
Views: 3327

Re: Too much house vs. just enough

I'd go for 4 br and 3.5 ba. That's because: 1. It is the sweet spot for the area that I live in. 2. It will be easier to sell the house in the future. Basically, you really want to future-proof your initial home purchase. very good points as well, IMO I have to disagree with this logic on both poin...
by dm200
Sat Jun 16, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Functional Medicine/ managing the costs
Replies: 31
Views: 1431

Re: Functional Medicine/ managing the costs

I recently went into my bank in order to upgrade my safety deposit box, and I chatted with the banker who helped me. Although I knew the answer to my question, when I asked her about her training, she informed me that the bankers at her bank don't have to have any special sort of training or degree...
by dm200
Sat Jun 16, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: What to do with the family wagon
Replies: 16
Views: 1370

Re: What to do with the family wagon

Six people in the family so we need a big rig.
The, now out of style, minivans can haldle six quite well - at a much lower cost.
by dm200
Sat Jun 16, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Thought on replacing roof before sale?
Replies: 12
Views: 1135

Re: Thought on replacing roof before sale?

Things like this older roof issue can sometimes cause delay in closing and/or disputes with the buyer before settlement - or even after, in some cases. It all depends on the details as well as the local market at the time of listing the property. I might discuss it with a local professional real est...
by dm200
Sat Jun 16, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 4926

Re: A vehicle that "sits up" but can't afford CRV

In some cases, my wife just has a pillow to sit on while driving. "low tech" and "low cost" ;)
by dm200
Sat Jun 16, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Functional Medicine/ managing the costs
Replies: 31
Views: 1431

Re: Functional Medicine/ managing the costs

mhalley wrote:
Sat Jun 16, 2018 10:14 am
Never heard of functional medicine, but a quick internet search convinced me to run away from it. Try functional training at the gym instead.
My conclusions, as well..

Maybe look for one of these https://www.plantbaseddoctors.org/