Search found 21738 matches

by dm200
Tue Nov 12, 2019 1:08 pm
Forum: Personal Consumer Issues
Topic: Experience/cost MLB spring training?
Replies: 6
Views: 232

Re: Experience/cost MLB spring training?

I've been going to spring training games in SW Florida for the past 15 years (Who here remembers City of Palms?)and things have changed a lot in those years, especially the financial part of it. Find out when spring training tickets go on sale for the Nats and be online ready to purchase that day. ...
by dm200
Tue Nov 12, 2019 12:51 pm
Forum: Personal Consumer Issues
Topic: Question on refilling prescriptions
Replies: 41
Views: 2199

Re: Question on refilling prescriptions

I am curious as to much the OP is expecting to save by splitting pills and shopping around. DH has a prescription that is $10 for 90 days at Walmart. He does this and chooses not to go through insurance. Insurance cost would be about $15 a month. He could save $20 a year through pill splitting but ...
by dm200
Tue Nov 12, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: Question on refilling prescriptions
Replies: 41
Views: 2199

Re: Question on refilling prescriptions

Has anyone been successful in bringing your own prescription meds to the hospital OR having a friend/relative bring them? I have had similar problems with Rx's at the hospital. However, for one med, the hospital did not have it on hand and they asked that we bring it from home. In the future, I wou...
by dm200
Tue Nov 12, 2019 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Cash In or Take Annual Leave
Replies: 11
Views: 911

Re: Cash In or Take Annual Leave

No experience as a federal employee - but if you take the leave - won't you increase your length of employment - thereby increasing your pension? Of course, it is also nice to get paid for this unused annual leave. The increase to the pension would not be significant. The cash is a better deal. OK.
by dm200
Tue Nov 12, 2019 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Cash In or Take Annual Leave
Replies: 11
Views: 911

Re: Cash In or Take Annual Leave

No experience as a federal employee - but if you take the leave - won't you increase your length of employment - thereby increasing your pension?

Of course, it is also nice to get paid for this unused annual leave.
by dm200
Tue Nov 12, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Question on refilling prescriptions
Replies: 41
Views: 2199

Re: Question on refilling prescriptions

I do not split pills to save on any of my prescriptions - but I notice, now, that several of the medications I take now are cylindrical shaped pills with a groove in the middle that makes splitting easier and more accurate.
by dm200
Tue Nov 12, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Question on refilling prescriptions
Replies: 41
Views: 2199

Re: Question on refilling prescriptions

Let's say you go to the hospital and they call your pharmacy to try to get an accurate med list, they may just start all the medications that your doc has prescribed in the last month, thinking that's what you're taking. If that is not accurate, they could be overdosing you. Had not considered this...
by dm200
Tue Nov 12, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: Experience/cost MLB spring training?
Replies: 6
Views: 232

Re: Experience/cost MLB spring training?

I don't know about FL but I live about 4 miles from the Diamondbacks and Rockies facility in Scottsdale, AZ. It draws a huge number of people and unfortunately to me, it is now big business. This is from 2018 https://www.tickpick.com/blog/average-mlb-spring-training-ticket-prices-by-team/ On the lo...
by dm200
Tue Nov 12, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: Experience/cost MLB spring training?
Replies: 6
Views: 232

Experience/cost MLB spring training?

I am, now, a Washington Nationals fan - and am (my wife and I) considering travel to Florida in the spring - to see some MLB spring training games. Any experiences, costs, suggestions, etc. - from those who have done this? Does it matter just when you make the trip during the 5 or 6 weeks of Spring ...
by dm200
Tue Nov 12, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: Los Angeles to San Francisco Roadtrip
Replies: 15
Views: 765

Re: Los Angeles to San Francisco Roadtrip

My wife, young son and I did that in the 1980's. Great trip! Lots of good ideas others have posted. I would include a visit to one of the large groves of Coastal Redwoods. In San Francisco, we enjoyed a several hour bus tour of the city. We also had dinner in Chinatown. 17 Mile drive was very nice W...
by dm200
Tue Nov 12, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: Organization supporting Veterans - Donation
Replies: 14
Views: 598

Re: Organization supporting Veterans - Donation

Fisher house is a great organization. My wife and I utilized it when our oldest was injured. I spent 2 months there, my wife spent 9 months over a 2 1/2 years. The volunteers and paid staff were great. There is probably some local organizations also. I volunteer with a couple. One is Wounded hero’s...
by dm200
Sun Nov 10, 2019 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Early Financial Independence. - Healthcare costs
Replies: 65
Views: 5164

Re: Early Financial Independence. - Healthcare costs

Without getting into the forbidden areas, I believe that future changes (in both directions) for early retire healthcare are impossible to predict. Just looking at changes in the last 10-20 years, many very significant changes (related to government decisions, etc) have been hotly contested and were...
by dm200
Sun Nov 10, 2019 3:09 pm
Forum: Personal Consumer Issues
Topic: Organization supporting Veterans - Donation
Replies: 14
Views: 598

Re: Organization supporting Veterans - Donation

Among the many, many "robo calls" I receive, many claim to be from/for Veteran related groups. I do not contribute to any such calls. Watch out for similarly sounding names. Also watch out for an organization that is top rated as a national charity, but local branches/arms/offshoots may not be. Yes!...
by dm200
Sun Nov 10, 2019 2:37 pm
Forum: Personal Consumer Issues
Topic: My married son's employer health insurance - HDHP
Replies: 8
Views: 609

Re: My married son's employer health insurance - HDHP

JBTX wrote:
Sun Nov 10, 2019 2:36 pm
Pretty sure jbmitt is correct. Maternity care now has to be covered due to ACA, and the actual birth of child is qualifying event for changing plan to family. All that assumes total charges exceed the deductible.
Thanks - that is what I thought, as well.
by dm200
Sun Nov 10, 2019 2:17 pm
Forum: Personal Consumer Issues
Topic: My married son's employer health insurance - HDHP
Replies: 8
Views: 609

My married son's employer health insurance - HDHP

Our son is married and no children - yet. He has employer health insurance - HDHP BCBS Gold - for himself and his wife . If/when she becomes pregnant - will that be covered by this plan? If that is either no, or is unclear, what questions should he ask? He tells me that the open period for health in...
by dm200
Sun Nov 10, 2019 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Basic Medicare Part B 2020 Premium $144.30 ??
Replies: 38
Views: 2819

Re: Basic Medicare Part B 2020 Premium $144.30 ??

Also, while I do not know the numbers or percentages involved, there are some employer retiree health insurance plans that require enrollment in a specific Medicare Advantage Plan..... Yes, very true. When you add in that factor, it skews the exalted 34% number being thrown around even more, making...
by dm200
Sat Nov 09, 2019 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Basic Medicare Part B 2020 Premium $144.30 ??
Replies: 38
Views: 2819

Re: Basic Medicare Part B 2020 Premium $144.30 ??

Makes total sense to me. You have to have a population to build a network. A MA plan just isn't feasible for an insurer where people (and providers) are scarce........My state (Florida) has 43% of Medicare eligible folks choosing a Medicare Advantage plan...... And, in Miami-Dade county, FL, the Me...
by dm200
Sat Nov 09, 2019 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Basic Medicare Part B 2020 Premium $144.30 ??
Replies: 38
Views: 2819

Re: Basic Medicare Part B 2020 Premium $144.30 ??

In my opinion, it is very, very difficult to evaluate various Medicare Plans (Advantage or Medigap) just from the plan documents. For our Kaiser Medicare Plan (currently 'Cost' moving to 'Advantage' next year) - I note here some of the benefits that are not (or may not be) apparent from reading the ...
by dm200
Sat Nov 09, 2019 3:29 pm
Forum: Personal Investments
Topic: divorce, splitting assets?
Replies: 14
Views: 2352

Re: divorce, splitting assets?

Is there an easy way for me to find out how much money she has in those accounts and how much we owe the bank on the remainder of the mortgage?
Seems to me that is what you are paying your divorce attorney to find out - and use for your benefit.
by dm200
Sat Nov 09, 2019 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score vs down payment
Replies: 25
Views: 1493

Re: Credit score vs down payment

Just to clarify, the 10 year warranty is only on the powertrain. I believe you get a 5-year or 60,000-mile bumper-to-bumper warranty.
In all the decades of my owning cars, I do not recall any of them having any kind of "powertrain" failure within ten years of the car's model year.
by dm200
Sat Nov 09, 2019 2:36 pm
Forum: Personal Consumer Issues
Topic: When to buy Car extended warranty ?
Replies: 55
Views: 2622

Re: When to buy Car extended warranty ?

For the most part (perhaps 100%), extended warranties are very profitable for the sellers of them - and, often, the guys/gals doping the selling receive significant commissions or financial incentives.
by dm200
Sat Nov 09, 2019 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Basic Medicare Part B 2020 Premium $144.30 ??
Replies: 38
Views: 2819

Re: Basic Medicare Part B 2020 Premium $144.30 ??

Medicare advantage is not heavily marketed, it is relentlessly marketed. Yes - I agree 100%. In my opinion, some of the marketing of MA plans is very truthful and accurate, while some can be misleading (or very misleading) to some folks. I have also concluded, from various friends and acquaintances...
by dm200
Sat Nov 09, 2019 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Basic Medicare Part B 2020 Premium $144.30 ??
Replies: 38
Views: 2819

Re: Basic Medicare Part B 2020 Premium $144.30 ??

.....2020 medicare part B - basic premium - increase to $144.30 per month, or $8.80 increase from 2019. Is that the correct amount? I think I know what is eating at you - this $8.80 increase is a big jump from 2018 to 2019, isn't it. When it went up by only $1.50. :happy Now, if you really want to ...
by dm200
Fri Nov 08, 2019 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Selling to Carmax: Fix then Quote vs. Quote then Fix
Replies: 23
Views: 1891

Re: Selling to Carmax: Fix then Quote vs. Quote then Fix

As mentioned, you're not going to get your money back if you fix it first. That's only going to make a minor difference in their offer. My guess is that: 1. Carmax can do these required fixes at a lower cost than what the owner would pay 2. Most (or all) cars that Carmax gets need something - so, e...
by dm200
Fri Nov 08, 2019 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Early Financial Independence. - Healthcare costs
Replies: 65
Views: 5164

Re: Early Financial Independence. - Healthcare costs

I don't know much about this. Can you elaborate on why one would not want to qualify for Medicaid? Mainly flexibility and choice. Choosing your own plan makes it easier to find a doctor you like. And Medicaid adds an additional level of bureaucratic red tape that you may not care for. It is depende...
by dm200
Fri Nov 08, 2019 3:14 pm
Forum: Personal Consumer Issues
Topic: How bad business travel is?
Replies: 61
Views: 4640

Re: How bad business travel is?

I am seeking career advice here. Background: Married no kids. Working in a private company, 0% travel time. Kind of relaxed and boring and this is alarming to me. They do things old way, very old software...etc I stopped learning new things and feel like I am about to forget things I used to master...
by dm200
Fri Nov 08, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: When to buy Car extended warranty ?
Replies: 55
Views: 2622

Re: When to buy Car extended warranty ?

I always find it "interesting" that the car sales guys/gals really pitch how reliable the car is - until they make the sale. Then, the F&I guy/gal then gives a big pitch of why you need to spend a lot for a warranty to protect you when the car has problems.
by dm200
Fri Nov 08, 2019 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Settling a disputed estate, cannot locate one survivor
Replies: 20
Views: 1879

Re: Settling a disputed estate, cannot locate one survivor

Just my "common sense" reaction/opinion:

Since only one person has disputed this, I see no need to locate the other party. I would think that this might only be needed if the dispute is validated.
by dm200
Fri Nov 08, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: When to buy Car extended warranty ?
Replies: 55
Views: 2622

Re: When to buy Car extended warranty ?

My opinion and general conclusion is that such extended warranties never (perhaps rarely 'almost never') make financial sense at the time of purchase. I am sure, though, that with 20/20 hindsight there are many cases where it would have made sense - but I do not believe those cases can be identified...
by dm200
Fri Nov 08, 2019 1:23 pm
Forum: Personal Investments
Topic: Umbrella Policy - when does it NOT cover something?
Replies: 25
Views: 2818

Re: Umbrella Policy - when does it NOT cover something?

Years ago, back when I had both an Umbrella Policy and considerable assets - I learned that a personal umbrella policy (what I had) did not cover any business related lawsuits.
by dm200
Fri Nov 08, 2019 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: which lender for mortgage
Replies: 2
Views: 278

Re: which lender for mortgage

Hi, For 500k single family home, when we are paying 20% down payment for 15 years with good credit score 750 +, got 2 offers. Which is better . Credit union is giving 2.875% for 15 years and where in other sellers preferred lender giving 3.0 % with 5000$ discount in closing costs. which is better a...
by dm200
Fri Nov 08, 2019 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Basic Medicare Part B 2020 Premium $144.30 ??
Replies: 38
Views: 2819

Re: Basic Medicare Part B 2020 Premium $144.30 ??

I recently saw several online sites quoting a 2020 medicare part B - basic premium - increase to $144.30 per month, or $8.80 increase from 2019. Is that the correct amount? Yes, everything I've seen and read says 144.30. Also the part a and part b deductibles are changing some in 2020. Fortunately ...
by dm200
Fri Nov 08, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy cars?
Replies: 117
Views: 18842

Re: How do Bogleheads buy cars?

There is a time of the economic "season" when slightly-used cars can be had for very reasonable prices, and another time when they more scarce and costly, and it makes more sense to buy new. For 20 years starting in the late 1980's I bought slightly-used Taurus wagons for a relative song, and three...
by dm200
Fri Nov 08, 2019 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Selling to Carmax: Fix then Quote vs. Quote then Fix
Replies: 23
Views: 1891

Re: Selling to Carmax: Fix then Quote vs. Quote then Fix

For the vehicles I put up for sale on Craigslist, I make sure the pictures don't give away the location. For the listing, I pick the middle of town, no specific area for them to come to. I've sold 4 vehicles and 1 camping trailer this way. Either cash (nothing larger than a $20 bill), or I meet the...
by dm200
Fri Nov 08, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Selling to Carmax: Fix then Quote vs. Quote then Fix
Replies: 23
Views: 1891

Re: Selling to Carmax: Fix then Quote vs. Quote then Fix

In one case, posting the car on Craigslist with several pictures of the car, a potential buyer saw the neighborhood where I lived and walked around until he saw the car in the driveway - and knocked on the door. I was amazed (in a positive way). He ended up buying the car for my full asking price! ...
by dm200
Fri Nov 08, 2019 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Basic Medicare Part B 2020 Premium $144.30 ??
Replies: 38
Views: 2819

Basic Medicare Part B 2020 Premium $144.30 ??

I recently saw several online sites quoting a 2020 medicare part B - basic premium - increase to $144.30 per month, or $8.80 increase from 2019.

Is that the correct amount?
by dm200
Fri Nov 08, 2019 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Selling to Carmax: Fix then Quote vs. Quote then Fix
Replies: 23
Views: 1891

Re: Selling to Carmax: Fix then Quote vs. Quote then Fix

Cannot comment on OP exact situation, but I have been pleasantly surprised in successfully selling two cars on Craigslist, where the cars have had problems (which I fully disclosed to potential buyers). In both cases, the disclosed problems were significant. I might get the Carmax (without fixing pr...
by dm200
Fri Nov 08, 2019 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Early Financial Independence. - Healthcare costs
Replies: 65
Views: 5164

Re: Early Financial Independence. - Healthcare costs

Looking at our portfolio and our expenses, we are almost there or there for Financial Independence. So thinking should relax at work or take a few years off or call it done and retire early. However not able to get the head around the heal care insurance costs or the healthcare needs when we lose t...
by dm200
Fri Nov 08, 2019 9:51 am
Forum: Personal Consumer Issues
Topic: Question on refilling prescriptions
Replies: 41
Views: 2199

Re: Question on refilling prescriptions

All my adult life I have had all my prescriptions at one pharmacy at a time. However we are going to a different health plan and I will need to shop each prescription for the best price. I am also going to have my doctor write the Rx for twice the dosage so I can cut pills. One med I take the cost ...
by dm200
Fri Nov 08, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: Car accident, insurance questions
Replies: 17
Views: 763

Re: Car accident, insurance questions

One possibility - if you are ready, willing and able to do so - is to physically go to the insured's home address and knock on the door. Or, perhaps go to the insured's place of work and ask to see him/her. Search online for the insured's information, email, friends and relatives, etc. More of a lo...
by dm200
Fri Nov 08, 2019 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Credit score vs down payment
Replies: 25
Views: 1493

Re: Credit score vs down payment

Even if you have to pay in the 9% interest rate range for this car loan - that is OK - but if you get your debts all in order and establish a good payment record - your credit score will go up - so that the next car loan you get will have a much, much lower rate. Or you can refinance the existing l...
by dm200
Thu Nov 07, 2019 2:34 pm
Forum: Personal Consumer Issues
Topic: Wife's car hit in a parking lot - how to deal with various issues?
Replies: 51
Views: 3663

Re: Wife's car hit in a parking lot - how to deal with various issues?

But I question the wisdom in keeping the car for reasons of health & safety if the damage is as extensive as shown in estimates 2 & 3. OK - but, for reasons I do not fully comprehend, my wife really likes that car. "Happy wife = Happy life" One nice thing about this matter is that my wife, without ...
by dm200
Thu Nov 07, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: Car accident, insurance questions
Replies: 17
Views: 763

Re: Car accident, insurance questions

One possibility - if you are ready, willing and able to do so - is to physically go to the insured's home address and knock on the door. Or, perhaps go to the insured's place of work and ask to see him/her. Search online for the insured's information, email, friends and relatives, etc. More of a lon...
by dm200
Thu Nov 07, 2019 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Need to separate biz transactions from personal -- do we need a biz checking account?
Replies: 18
Views: 843

Re: Need to separate biz transactions from personal -- do we need a biz checking account?

Wife has a small side business (she's a stay at home mom) that is also registered as an LLC in the state of Missouri (in which she is also a co-member/organizer of this business with her sister). Question: Right now she is mixing her business deposits/purchases together with the rest of her and my ...
by dm200
Thu Nov 07, 2019 1:33 pm
Forum: Personal Investments
Topic: Is the effective interest rate of a loan higher when it’s early in amortization period?
Replies: 42
Views: 1595

Re: Is the effective interest rate of a loan higher when it’s early in amortization period?

Being "in this business" - I commonly encounter, otherwise very intelligent, folks who get really mixed up about such matters. A common situation I ran into was folks who were choosing to pay extra principal regularly on their home mortgage, while - at the same time - carrying balances on their cred...
by dm200
Thu Nov 07, 2019 12:09 pm
Forum: Personal Investments
Topic: Is the effective interest rate of a loan higher when it’s early in amortization period?
Replies: 42
Views: 1595

Re: Is the effective interest rate of a loan higher when it’s early in amortization period?

Lots of people say that "you pay more interest at the beginning of a mortgage than at the end" which is technically correct but only because the balance is bigger at the beginning! You do NOT "prepay" interest on a mortgage or amortizing loan. The amount of interest you pay is always exactly equal ...
by dm200
Thu Nov 07, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Credit score vs down payment
Replies: 25
Views: 1493

Re: Credit score vs down payment

CORRECT ME IF IM WRONG: I'm definitely leaning toward a Hyundai Certified Pre-Owned at about $12,000 The main reason is for the 10 Year/100,000 mile warranty; as I have been known to buy used vehicles that are quite subpar. Even though I'd be taking out a 5 year loan, I'm on schedule to receive a g...
by dm200
Thu Nov 07, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: Wife's car hit in a parking lot - how to deal with various issues?
Replies: 51
Views: 3663

Re: Wife's car hit in a parking lot - how to deal with various issues?

How much did you pay for it when you bought it? About $4,000 dm200 wrote: ↑Mon Nov 04, 2019 3:02 pm The girl was clearly 100% at fault Your opinion. If they decide to file a claim but you don't report it to your insurance company, how will your liability coverage protect you from the damage that yo...
by dm200
Thu Nov 07, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: Received bill from sub-contractor after paying general contractor in full
Replies: 14
Views: 3046

Re: Received bill from sub-contractor after paying general contractor in full

Winston19 wrote:
Wed Nov 06, 2019 8:45 pm
You will want to look at your state's mechanic's lien law. Often there is a requirement of notice from the sub before the work starts plus a notice requirement to assert a claim. If you determine sub did not give the notice then it is the GC's problem.
This is my understanding as well.
by dm200
Thu Nov 07, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Credit score vs down payment
Replies: 25
Views: 1493

Re: CREDIT SCORE VS DOWN PAYEMENT

I must be missing something, but how does (or will) an added $1,000 down payment cause a credit score to drop 60 points? Correct me if I'm wrong, but I'm loosely predicting that if I use 1000 to pay off some credit card debt my score will raise due to my utilization dropping substantially. Independ...