Search found 14787 matches

by dm200
Fri Feb 23, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Do you rent even if you can afford to buy?
Replies: 52
Views: 3807

Re: Do you rent even if you can afford to buy?

Markets differ greatly. We purchased our single family home almost 40 years ago - and the value is now (no improvements) 9-10 times what we paid back then. Most of the appreciation is the value of the land (about 6,000 sq ft).
by dm200
Fri Feb 23, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Auto insurance damage claim
Replies: 33
Views: 1062

Re: Auto insurance damage claim

So, it would seem that if the OP used the $6,700 to fully and completely repair the hail damage, then there would have been no deduction for the previous claim? Right?
by dm200
Fri Feb 23, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Auto insurance damage claim
Replies: 33
Views: 1062

Re: Auto insurance damage claim

What would be the procedure if the OP had been in an accident that totaled his car that was the fault of another individual. Would the other insurance company have access to the hail damage payout from years ago or would they be forced to pay the $10k ? They could look it up on carfax, or the CLUE ...
by dm200
Fri Feb 23, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Caribbean Cruise 1st timer Cash or Card?
Replies: 29
Views: 1406

Re: Caribbean Cruise 1st timer Cash or Card?

Yeah, was shocked by the taxes and fees. Added $1k to a $2k trip! Been a while, but I don't remember being this much more for taxes and tips. Did the $1k include alcohol, gambling or shore excursions? it is easy to spend a lot more when there are many stops because you pay for meals away from the s...
by dm200
Fri Feb 23, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: How to pay partners for working your call
Replies: 55
Views: 2935

Re: How to pay partners for working your call

The difficulty is only with the payroll system for employed physicians being inflexible
.

Amazing - in 2018 -
by dm200
Fri Feb 23, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Auto insurance damage claim
Replies: 33
Views: 1062

Re: Auto insurance damage claim

What would be the procedure if the OP had been in an accident that totaled his car that was the fault of another individual. Would the other insurance company have access to the hail damage payout from years ago or would they be forced to pay the $10k ? Good question - especially if the unrepaired ...
by dm200
Fri Feb 23, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Caribbean Cruise 1st timer Cash or Card?
Replies: 29
Views: 1406

Re: Caribbean Cruise 1st timer Cash or Card?

I usually take $300 of "just in case" cash and charge the rest. Most gratuities for the crew are charged per day per person onto your account, so you should be aware of that. On the last day of every cruise you see a long line of angry folks who didn't realize they would be charged for a "tip." Goo...
by dm200
Fri Feb 23, 2018 9:52 am
Forum: Personal Finance (Not Investing)
Topic: How to pay partners for working your call
Replies: 55
Views: 2935

Re: How to pay partners for working your call

No experience in this field, but I would wonder about various kinds of risks associated with one "employee" being paid by the employer for work/time done by another. Sure seems like the employer could just pay the one doing the hours/work. Thanks, dm200. Not sure what kind of risks you would be ref...
by dm200
Fri Feb 23, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Auto insurance damage claim
Replies: 33
Views: 1062

Re: Auto insurance damage claim

If you like the car and want to repair it, you can negotiate to get a payout and keep the car and manage the repairs yourself. Kansas is interesting in that you get insurance again first before the state will issue a new title (the opposite of most states). You should talk to GEICO to see what thei...
by dm200
Thu Feb 22, 2018 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Diversification when total market isn't an option...
Replies: 10
Views: 607

Re: Diversification when total market isn't an option...

How much different is the 500 Insex from total market? I doubt very much.

Or, just add a small amount of the small and mid cap indexes.
by dm200
Thu Feb 22, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Auto insurance damage claim
Replies: 33
Views: 1062

Re: Auto insurance damage claim

... I drove around a hail damaged car for 5 years and I need to be compensated for that . ... You were compensated $6700 for that! Wasn't it your choice not to have the car repaired? You could look at the KBB and pick the worst condition and see what value it gives you. That $6,700 is worth MORE no...
by dm200
Thu Feb 22, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: Caribbean Cruise 1st timer Cash or Card?
Replies: 29
Views: 1406

Re: Caribbean Cruise 1st timer Cash or Card?

Our son just went on a one week cruise a few days ago. When he gets back, I will ask him how the tipping was done on his cruise - cash or card..
by dm200
Thu Feb 22, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay partners for working your call
Replies: 55
Views: 2935

Re: How to pay partners for working your call

No experience in this field, but I would wonder about various kinds of risks associated with one "employee" being paid by the employer for work/time done by another.

Sure seems like the employer could just pay the one doing the hours/work.
by dm200
Thu Feb 22, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: Caribbean Cruise 1st timer Cash or Card?
Replies: 29
Views: 1406

Re: Caribbean Cruise 1st timer Cash or Card?

We have cruised the Caribbean with several different lines. In our experience gratuities to the cruise director and to staff must be cash and can be recommended in the $20 day range. Depending on the cruise line and the "level" of your cabin bottled water may or may not be furnished gratis, or for ...
by dm200
Thu Feb 22, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: Auto insurance damage claim
Replies: 33
Views: 1062

Re: Auto insurance damage claim

If it might be possible, what would it cost to repair the vehicle?
by dm200
Thu Feb 22, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Auto insurance damage claim
Replies: 33
Views: 1062

Re: Auto insurance damage claim

I don't know about the particular "fine print" but my guess is that keeping an insured vehicle in good condition may be a requirement of the insurance policy. I suspect that $6,700 "worth" of damage would not be considered good condition. In other words, if you owned that hail damaged, unrepaired ve...
by dm200
Thu Feb 22, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: Auto insurance damage claim
Replies: 33
Views: 1062

Re: Auto insurance damage claim

No insurance expert - but it seems to me that this offer is not "unfair" - since you pocketed the $6,700.
by dm200
Thu Feb 22, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: Can you lose money in a Money Market savings account ?
Replies: 36
Views: 1925

Re: Can you lose money in a Money Market savings account ?

One (big in my opinion) difference between a MM FUND and MM account (in a bank or credit union) is that banks and credit unions almost always have "reserves" or capital ratios in the 6 -15% range and are normally required to have such capital reserves. MM FUNDS do not have such requirements.
by dm200
Thu Feb 22, 2018 1:57 pm
Forum: Investing - Theory, News & General
Topic: Can you lose money in a Money Market savings account ?
Replies: 36
Views: 1925

Re: Can you lose money in a Money Market savings account ?

I guess the FDIC is funded by banks and not the govt. So if banks go belly up like in the S&L crisis - the govt. may step in to fund the FDIC. I learned a hard lesson on the difference between the words " may " and " will " in a legal proceeding. As long as they can print $$ with reckless abandon w...
by dm200
Thu Feb 22, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance when retiring or self employed before Medicare age?
Replies: 14
Views: 857

Re: Health insurance when retiring or self employed before Medicare age?

15 years until medicare at which time I will not have dependents. Don't the current plans consider children up to age 24 as dependents? [/b] Long time makes it hard to predict - in this volatile political environment. One issue I would be especially conscious about is to maintain continuous coverag...
by dm200
Thu Feb 22, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Caribbean Cruise 1st timer Cash or Card?
Replies: 29
Views: 1406

Re: Caribbean Cruise 1st timer Cash or Card?

We have cruised the Caribbean with several different lines. In our experience gratuities to the cruise director and to staff must be cash and can be recommended in the $20 day range. Depending on the cruise line and the "level" of your cabin bottled water may or may not be furnished gratis, or for ...
by dm200
Thu Feb 22, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance when retiring or self employed before Medicare age?
Replies: 14
Views: 857

Re: Health insurance when retiring or self employed before Medicare age?

15 years until medicare at which time I will not have dependents. Don't the current plans consider children up to age 24 as dependents? [/b] Long time makes it hard to predict - in this volatile political environment. One issue I would be especially conscious about is to maintain continuous coverag...
by dm200
Thu Feb 22, 2018 12:56 pm
Forum: Investing - Theory, News & General
Topic: Can you lose money in a Money Market savings account ?
Replies: 36
Views: 1925

Re: Can you lose money in a Money Market savings account ?

alex_686 wrote:
Thu Feb 22, 2018 12:55 pm
dm200 wrote:
Thu Feb 22, 2018 12:52 pm
Yes - per bank or credit union.
Credit unions are covered by NUCA, not FDIC. Basically the same thing but different organizations.
N C U A
by dm200
Thu Feb 22, 2018 12:56 pm
Forum: Investing - Theory, News & General
Topic: Can you lose money in a Money Market savings account ?
Replies: 36
Views: 1925

Re: Can you lose money in a Money Market savings account ?

What's different is how your bank can use the assets deposited there.
Subject to wise and prudent management (including asset liability management), I do not think there are restrictions or rules/regulations about how the bank or credit union can use such deposits. Could you elaborate?
by dm200
Thu Feb 22, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: Can you lose money in a Money Market savings account ?
Replies: 36
Views: 1925

Re: Can you lose money in a Money Market savings account ?

thank you for the clarification. it is also my understanding that the FDIC insurance coverage limit applies to the total funds held in all FDIC insured institutions in aggregate. So if you were well off and had 250k in one bank and 250k in another - your total insurance coverage is limited to 250k ...
by dm200
Thu Feb 22, 2018 12:51 pm
Forum: Investing - Theory, News & General
Topic: Can you lose money in a Money Market savings account ?
Replies: 36
Views: 1925

Re: Can you lose money in a Money Market savings account ?

Generally speaking a "Money Market savings account" means an account at a Bank or Credit Union. For this type of account, it is almost always federally insured by FDIC (bank) or NCUA (credit union) but not always. If federal insurance is important to you, verify it yourself. For such accounts at ban...
by dm200
Thu Feb 22, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance when retiring or self employed before Medicare age?
Replies: 14
Views: 857

Re: Health insurance when retiring or self employed before Medicare age?

Questions for those of you who retired before Medicare age, especially to those who still have dependents. What are you doing for health insurance? Roughly, what type of coverage do you have and what do you pay for it? For those of you that have had individual coverage for a few years, how have the...
by dm200
Thu Feb 22, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Caribbean Cruise 1st timer Cash or Card?
Replies: 29
Views: 1406

Re: Caribbean Cruise 1st timer Cash or Card?

We have cruised the Caribbean with several different lines. In our experience gratuities to the cruise director and to staff must be cash and can be recommended in the $20 day range. Depending on the cruise line and the "level" of your cabin bottled water may or may not be furnished gratis, or for ...
by dm200
Thu Feb 22, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Is a prenup required to establish a list of separate property before marriage?
Replies: 67
Views: 2165

Re: Is a prenup required to establish a list of separate property before marriage?

I suggest getting legal advice applicable in your state.

My understanding, though, is that one very key factor is to not intermingle separate assets with joint assets.
by dm200
Thu Feb 22, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Caribbean Cruise 1st timer Cash or Card?
Replies: 29
Views: 1406

Re: Caribbean Cruise 1st timer Cash or Card?

Realize that gratuities for the cruise staff is normally applied as a fee on your fare. Tipping above and beyond that though is appreciated. I usually tip bar staff and then at the end of the week you'll be given envelopes that you can leave tips for specific staff if you want. This is different th...
by dm200
Thu Feb 22, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Caribbean Cruise 1st timer Cash or Card?
Replies: 29
Views: 1406

Re: Caribbean Cruise 1st timer Cash or Card?

Many (perhaps most) of the folks working on cruise ships depend on tips for most of their income. These tips must (as was our experience) be cash.
by dm200
Wed Feb 21, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Any cons in splitting a large purchase between two credit cards?
Replies: 5
Views: 478

Re: Any cons in splitting a large purchase between two credit cards?

If you are depending on, or value travel benefits of a card - check the details of whether the whole trip must be charged on ONE card.
by dm200
Wed Feb 21, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 9097

Re: Do you wear a wedding band? [at a job interview]

Over the decades, I have worked with many "married" men who fool around a lot. You cannot (normally at least) determine that from whether hs is or is not wearing a wedding ring.
by dm200
Wed Feb 21, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Ins. Drop Comprehensive and Collision?
Replies: 13
Views: 864

Re: Auto Ins. Drop Comprehensive and Collision?

One benefit to weigh for keeping Collision is that such coverage can help greatly if your vehicle suffers damage from an at fault driver who (or whose insurance company) resists paying the claim. When you collect on collision, your insurance company will go after the other driver and/or insurance co...
by dm200
Wed Feb 21, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: OTC supplements without huge bottles?
Replies: 7
Views: 381

Re: OTC supplements without huge bottles?

This is a first-world problem, literally. I am preparing to leave for 18 months, serving a full-time mission for my church in Southeast Asia. We are not allowed to ship any medications including supplements, because the local post office will either not deliver or charge a bribe. Some of them do no...
by dm200
Tue Feb 20, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off car loan good for credit?
Replies: 19
Views: 794

Re: Paying off car loan good for credit?

Hey All, Seems like a fairly obvious question but to me it isn't. I currently have 2 car loans. One of them I just realized only has $5k left on it. The payments are small, about $250/month. All my payments are automated and on time. I'm probably buying a house relatively soon, so what's better for...
by dm200
Tue Feb 20, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Seeking Cruise Suggestions
Replies: 36
Views: 2156

Re: Seeking Cruise Suggestions

Several types of cruises. Some stop at many ports - perhaps almost every day - while others are at sea for much of the time.

I liked the Bermuda cruises where we spent several days at sea in both directions. The only stop was Bermuda - 1-3 days there, depending on the cruise.
by dm200
Tue Feb 20, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Price of home heating oil vs gasoline?
Replies: 18
Views: 641

Re: Price of home heating oil vs gasoline?

Perhaps it may be that, in this area, fewer and fewer folks are using oil for heat. Almost all of those with natural gas will choose it. Newer construction and major remodels often use heat pumps.
by dm200
Tue Feb 20, 2018 2:56 pm
Forum: Personal Consumer Issues
Topic: Price of home heating oil vs gasoline?
Replies: 18
Views: 641

Re: Price of home heating oil vs gasoline?

How much would you have to pay for a gallon of gas delivered to your house and put in your car? Or vice versa: How much would you have to pay for a gallon of heating oil if you loaded up and drove your heating oil tank to the local distribution point and filled it up yourself? I buy gasoline in amo...
by dm200
Tue Feb 20, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Price of home heating oil vs gasoline?
Replies: 18
Views: 641

Re: Price of home heating oil vs gasoline?

I just paid $3.75 a gallon for home heating oil and about $2.45 a gallon for gasoline. Gasoline is taxed more than home heating oild and I thought that the gasoline required more refining. Shouldn't home heating oil be less expensive than gasoline? It looks like you are a victim of the earlier very...
by dm200
Tue Feb 20, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Signed up for American Express - "Premium" car rental insurance
Replies: 46
Views: 2673

Re: Signed up for American Express - "Premium" car rental insurance

misterno wrote:
Tue Feb 20, 2018 10:43 am
Drew777 wrote:
Fri Feb 16, 2018 12:51 pm
FYI Chase Sapphire Preferred comes with primary rental car insurance at no cost.
As far as I know, credit cards only offer liability not full coverage to rental cars
I do not think any cards provide liability coverage at all.
by dm200
Tue Feb 20, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Would umbrella policy protect from actions of litigious condo neighbor?
Replies: 13
Views: 1759

Re: Would umbrella policy protect from actions of litigious condo neighbor?

I thought an umbrella policy only provided protection from being sued personally.

I also know that my umbrella policy provided no protection for a business related lawsuit.
by dm200
Tue Feb 20, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Price of home heating oil vs gasoline?
Replies: 18
Views: 641

Price of home heating oil vs gasoline?

I just paid $3.75 a gallon for home heating oil and about $2.45 a gallon for gasoline. Gasoline is taxed more than home heating oild and I thought that the gasoline required more refining. Shouldn't home heating oil be less expensive than gasoline?
by dm200
Tue Feb 20, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 9097

Re: Do you wear a wedding band? [at a job interview]

At banks and credit unions, men sometimes hit on the young and attracive female tellers. One branch manager told me that she bought some plain "wedding rings" and gave them to the young women that wanted one. Then when a man would attempt to hit on the young woman, she would just hold up her hand an...
by dm200
Mon Feb 19, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: Seeking Cruise Suggestions
Replies: 36
Views: 2156

Re: Seeking Cruise Suggestions

I'm seeking cruise suggestions based on what I hope to find: - interesting ports of call, not typical of most vacationers (I've already visited most places typical to Americans in the Caribbean, Mexico, etc.) or challenging to reach via other travel methods, - attracts an over 40 crowd - not intere...
by dm200
Mon Feb 19, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 4886

Re: Best plants to grow to save money for food costs

Depending on the climate, cabbage and broccoli can be good. In many temperate areas, these are fall crops - you plant the seedlings (either ones you grow yourself or purchase) in mid summer and they mature in the cooler fall.
by dm200
Mon Feb 19, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Sister is a good saver...she wants to buy a house now
Replies: 9
Views: 922

Re: Sister is a good saver...she wants to buy a house now

Is she single?

If so, would she like to meet my son? :D
by dm200
Mon Feb 19, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 4886

Re: Best plants to grow to save money for food costs

Note that many items will have a relatively short harvest window, depending on your climate. For example, you might grow a type of tomato that produces a LOT of tomatoes, but over a 2 week period. Plan ahead, have a lot of sauces that you want to prepare and either can or freeze for the rest of the...
by dm200
Mon Feb 19, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 4886

Re: Best plants to grow to save money for food costs

Some herbs are cheaper in the store. Any asian market will have bunches of cilantro, basil, mint, green onions very cheap. Herbs like Rosemary, thyme will grow like a weed in some places. Cucumbers are easy , beans are easy, squash is easy, carrots are relatively easy. Radishes are super easy. I st...