Search found 12777 matches

by dm200
Thu Sep 21, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: Tenant wants to break contract. How much to pay an attorney?
Replies: 31
Views: 1434

Re: Tenant wants to break contract. How much to pay an attorney?

Focus on renting the property out as soon as possible to restore income stream.
I agree with this...
by dm200
Thu Sep 21, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Tenant wants to break contract. How much to pay an attorney?
Replies: 31
Views: 1434

Re: Tenant wants to break contract. How much to pay an attorney?

Some comments suggest a "sub lease", but it seems to me you want the tenant completely out of the picture.
by dm200
Thu Sep 21, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Water Service Line Insurance
Replies: 10
Views: 431

Re: Water Service Line Insurance

Based on a letter I received from Service Line Warranties of America, my city does not pay for repairs to water lines that run from the public utility connection to my home. SLWA is offering to insure any repairs to the line for $4.50 a month. Up to $4,000 per incident. I am very much inclined to s...
by dm200
Thu Sep 21, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: Tenant wants to break contract. How much to pay an attorney?
Replies: 31
Views: 1434

Re: Tenant wants to break contract. How much to pay an attorney?

My tenant went to an attorney who wrote me a letter stating the tenant wants to break contract for a reason that sounds unreasonable to me.
Just my opinion, but I would not place much credibility on the stated reason from that attorney.
by dm200
Thu Sep 21, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance - value to insure?
Replies: 14
Views: 1701

Re: Homeowners Insurance - value to insure?

Just got a refund of $50 for lowering the insured value of our home to that calculated by the State Farm agent. The premium (before) as $457 - so the $50 reduction was more than 10% PLUS my deductible went down since it is 1% of the insured value. Lesson: check and validate/verify insured value on H...
by dm200
Thu Sep 21, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Tenant wants to break contract. How much to pay an attorney?
Replies: 31
Views: 1434

Re: Tenant wants to break contract. How much to pay an attorney?

Although there are many possible reasons for the tenant's desire to break the lease, I suspect that the most likely reason is financial trouble of one sort or another.
by dm200
Thu Sep 21, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Tenant wants to break contract. How much to pay an attorney?
Replies: 31
Views: 1434

Re: Tenant wants to break contract. How much to pay an attorney?

3) Even if you are right, fight the tenant in court and win - will they have any money left for you to be awarded? [/u][/b] To me, this issue may be the most important issue/question for you. I would also look for way(s) of negotiating the breaking of the lease. Look, in detail, at the person(s) an...
by dm200
Thu Sep 21, 2017 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Who has needed to use their umbrella insurance?
Replies: 113
Views: 13732

Re: Who has needed to use their umbrella insurance?

Is it a true statement that Retirement accounts are protected anyways so really only need it to protect taxable account monies? I hear lawyers know how much coverage you have and will go for all of it. Not true. Protection varies with your state's law. A long time poster here had his IRA drained as...
by dm200
Thu Sep 21, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: Excel (Office 2010) charts problem (charts disappear)??
Replies: 8
Views: 356

Re: Excel (Office 2010) charts problem (charts disappear)??

Once I restarted Windows - problem went away. Must have been windows related?
by dm200
Thu Sep 21, 2017 7:46 am
Forum: Personal Consumer Issues
Topic: USPS lost very important certified mail - What next?
Replies: 46
Views: 4528

Re: USPS lost very important certified mail - What next?

Something about this scenario (or the explanation), is not adding up. In any event, I don't think you're getting your $8.00 or so back, and you're definitely not going to get any other compensation from the USPS. Maybe it's time to hire a delivery service if the transaction is really important. +1....
by dm200
Wed Sep 20, 2017 5:59 pm
Forum: Personal Consumer Issues
Topic: Excel (Office 2010) charts problem (charts disappear)??
Replies: 8
Views: 356

Re: Excel (Office 2010) charts problem (charts disappear)??

Problem went away when I restarted the computer.

:happy and
:confused
by dm200
Wed Sep 20, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: Excel (Office 2010) charts problem (charts disappear)??
Replies: 8
Views: 356

Re: Excel (Office 2010) charts problem (charts disappear)??

I use Excel (Office 2010) to track all sorts of things and often use and maintain charts. All of a sudden, the charts (usually sheet 1) disappear and sheet one is completely blank (gray screen in body). The data sheet(s) are there. It must be some kind of option or "feature" that has been set or me...
by dm200
Wed Sep 20, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: Dilemma: To buy CPO car or long term rent a car or ship my car?
Replies: 13
Views: 716

Re: Dilemma: To buy CPO car or long term rent a car or ship my car?

Personally I would just drive there and back each winter so your car is with you. Take the scenic route and make it a road trip. If you make a non-winter trip there for 2 weeks then rent a car on just those occasions. Probably the most practical and cost effective option. If, for some reason, you c...
by dm200
Wed Sep 20, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: Excel (Office 2010) charts problem (charts disappear)??
Replies: 8
Views: 356

Excel (Office 2010) charts problem (charts disappear)??

I use Excel (Office 2010) to track all sorts of things and often use and maintain charts. All of a sudden, the charts (usually sheet 1) disappear and sheet one is completely blank (gray screen in body). The data sheet(s) are there. It must be some kind of option or "feature" that has been set or mes...
by dm200
Wed Sep 20, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: 1st medical bill, already overdue and threaten to send to collection
Replies: 44
Views: 3673

Re: 1st medical bill, already overdue and threaten to send to collection

It seems to me that the applicable insurers should be required (by applicable state insurance regulators) to have sufficient "in network" providers as part of the requirements to offer such insurance.
by dm200
Wed Sep 20, 2017 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Who has needed to use their umbrella insurance?
Replies: 113
Views: 13732

Re: Who has needed to use their umbrella insurance?

Having recently inherited an IRA that is in the high six figures, I just upped my umbrella to $2 million, precisely because of this, though admittedly I could have actually done the research first to determine whether my state protects inherited IRAs the same as "regular" retirement accounts. Depen...
by dm200
Wed Sep 20, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: USPS lost very important certified mail - What next?
Replies: 46
Views: 4528

Re: USPS lost very important certified mail - What next?

FYI - the USPS web site www.usps.com has a nice feature under Mail and Ship - Look Up a ZIP code where you can put in any US mailing address and get the "official" best way to address anything being sent using the Postal Service.
by dm200
Wed Sep 20, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund: Am I thinking about this correctly?
Replies: 23
Views: 1404

Re: Donor Advised Fund: Am I thinking about this correctly?

Somewhat off topic - The limits (annually) of tax deductions for high income folks are one reason some (or many) high income celebrities/athletes establis and support their own "foundations" to support their charitable causes. if such a person could, say, earn $1 Million because of their celebrity s...
by dm200
Wed Sep 20, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund: Am I thinking about this correctly?
Replies: 23
Views: 1404

Re: Donor Advised Fund: Am I thinking about this correctly?

Initially, I was bothered by the "cost drag" of a DAF. However, this no longer bothers me in the least. Once I've transferred over the appreciated assets, I'm no longer paying taxes on the dividends and I no longer am concerned about any capital gains; the money isn't even technically mine anymore....
by dm200
Wed Sep 20, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: USPS lost very important certified mail - What next?
Replies: 46
Views: 4528

Re: USPS lost very important certified mail - What next?

OP here. Finally a USPS rep called me and said they found the letter at the suburban office and it will be mailed back to me since they cannot deliver to the addressee. Hope it comes back :) At least I can avoid USPS for the re-delivery of the check. I don't know if I can request a refund of the ce...
by dm200
Wed Sep 20, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: 1st medical bill, already overdue and threaten to send to collection
Replies: 44
Views: 3673

Re: 1st medical bill, already overdue and threaten to send to collection

Same for risk...anesthetic risk is usually higher than the surgical risk.
Interesting..

I am sure we often hear about the "top" surgeons in all sorts of surgical specialties. I cannot recall hearing about a "top" anesthesiologist?
by dm200
Wed Sep 20, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: USPS lost very important certified mail - What next?
Replies: 46
Views: 4528

Re: USPS lost very important certified mail - What next?

My bank once advised me of the time limit on stop-payment checks, and said that the only way to be absolutely certain it would not eventually be cashed was to close the account it was drawn on. If this, as I suspect, is a "Cashiers Check" (or equivalent) - then it is not drawn on an account that ca...
by dm200
Tue Sep 19, 2017 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: CDs and Required Minimum Distributions
Replies: 11
Views: 707

Re: CDs and Required Minimum Distributions

It is also usually (but not always) the case that interest on CDs can be withdrawn without the EWD penalty.
by dm200
Tue Sep 19, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: CDs and Required Minimum Distributions
Replies: 11
Views: 707

Re: CDs and Required Minimum Distributions

I think (not 100% sure) that whether there are penalties for early withdrawals from CDs/certificates for RMD depends on the individual bank or credit union. BEFORE buying a CD or certificate - I would make 100% sure that (if needed) I could deal with the RMD without penalty.
by dm200
Tue Sep 19, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: USPS lost very important certified mail - What next?
Replies: 46
Views: 4528

Re: USPS lost very important certified mail - What next?

My bank once advised me of the time limit on stop-payment checks, and said that the only way to be absolutely certain it would not eventually be cashed was to close the account it was drawn on. If this, as I suspect, is a "Cashiers Check" (or equivalent) - then it is not drawn on an account that ca...
by dm200
Tue Sep 19, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: USPS lost very important certified mail - What next?
Replies: 46
Views: 4528

Re: USPS lost very important certified mail - What next?

A few comments: 1. I suspect that this was not a "certified check" but rather a "Cashiers Check" (or the equivalent "Tellers Check". 2. Cashiers checks (or equivalent) represent "guaranteed funds" from the bank or credit union and cannot just be "stopped". 3. To "stop" such a check, the bank or cred...
by dm200
Tue Sep 19, 2017 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals
Replies: 55
Views: 3122

Re: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals

Speaking from a patient point of view (and having no medical training), my understanding is that an important aspect of the quality of care from a provider is how much experience the provider has with the condition/treatment. I suppose (depending on the details) physicians in rural areas may have f...
by dm200
Mon Sep 18, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals
Replies: 55
Views: 3122

Re: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals

Speaking from a patient point of view (and having no medical training), my understanding is that an important aspect of the quality of care from a provider is how much experience the provider has with the condition/treatment. I suppose (depending on the details) physicians in rural areas may have fe...
by dm200
Mon Sep 18, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund: Am I thinking about this correctly?
Replies: 23
Views: 1404

Re: Donor Advised Fund: Am I thinking about this correctly?

I am pretty sure that, in your circumstances, donation to a DAF or directly to charities in the same amount have the same result to your bottom like taxes. So, from purely a tax point of view - no benefit of the DAF. What you get, among other things, from the DAF donation is a longer (or much longer...
by dm200
Mon Sep 18, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Car Swap Buy/Sell Timing Strategy
Replies: 20
Views: 803

Re: Car Swap Buy/Sell Timing Strategy

Unfortunately maternity leave is actually short term disability paid by NJ at 2/3 your normal pay up to 633/wk. Some company's offer paid leave, hers does not. She and I just revisited this situation and we may try to make the 2 door scion work for the time being at least until she returns to work ...
by dm200
Mon Sep 18, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Car Swap Buy/Sell Timing Strategy
Replies: 20
Views: 803

Re: Car Swap Buy/Sell Timing Strategy

Thanks for all the quick replies. Some things I'm taking away from the discussion so far: -Pricing shouldn't fluctuate with weather, so I can wait a while as long as I can still find the car/color we want. We are looking for the basic trim but has to have AWD. -I'm considering the idea of keeping t...
by dm200
Mon Sep 18, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: Car Swap Buy/Sell Timing Strategy
Replies: 20
Views: 803

Re: Car Swap Buy/Sell Timing Strategy

New car pricing really doesn't fluctuate with the weather per say. It typically declines (or you get better incentives) the closer you get to the release of the new model year. If you are picky at to options, the longer you wait after the release of the new model year, the slimmer your options. Typ...
by dm200
Mon Sep 18, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Car Swap Buy/Sell Timing Strategy
Replies: 20
Views: 803

Re: Car Swap Buy/Sell Timing Strategy

First time poster here, long time lurker. My wife and I are expecting our first child and would like to get rid of our 2 door scion TC in favor of an SUV, Honda pilot or CRV. Our baby girl will be born in late February and I'm trying to decide when is the best time to simultaneously sell the scion ...
by dm200
Mon Sep 18, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals
Replies: 55
Views: 3122

Re: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals

One factor is whether the colonoscopy was a screening recommended periodically or a diagnostic procedure based on symptoms. The former may be covered at no cost to the insured while the latter is covered based on the insurance policy specifications. Sometimes, coding can be crucial for billing. Tim...
by dm200
Mon Sep 18, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: What money to store outside for disaster?
Replies: 57
Views: 4152

Re: What money to store outside for disaster?

Some dollar coins may be a good idea. Mostly big bills, but some twenties, tens, fives (along with the dollar coins) Ziplock bag for paper money; rotate from time to time to prevent deterioration; perhaps some anti mold 'stuff'?? Put a few hundreds or fifties in your wallet or rolled in something on...
by dm200
Mon Sep 18, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals
Replies: 55
Views: 3122

Re: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals

I have Medigap Plan F, and I see some doctors two hours away in a neighboring state. Medicare Advantage lets the insurance company run your life. I had enough of that before I turned 65. Plus the Advantage plans charge the government, i.e. the taxpayers, more for most services than Medigap plans. 2...
by dm200
Sun Sep 17, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals
Replies: 55
Views: 3122

Re: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals

That's the other negative about rural areas, ZERO advantage plans in some counties, including my county and the neighbor county. It'd be easy to drive to a nearby metro area, but that is not allowed. You can ONLY join an advantage plan in YOUR county, even if you're willing to travel for care. You'...
by dm200
Sun Sep 17, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals
Replies: 55
Views: 3122

Re: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals

In this area, insurer Anthem is declining to pay for certain scans done at hospitals because the hospitals charge many times more than the same tests done at the more independent facilities. Thanks dm200 for that very interesting piece of info. I'll have to do more research about that. In metro are...
by dm200
Sun Sep 17, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Auto insurance claim - Hurricane Harvey
Replies: 7
Views: 512

Re: Auto insurance claim - Hurricane Harvey

2. We have a difference of opinion on the value of the totaled vehicle which was in good condition prior to the hurricane/flood. Thus far our adjuster is unwilling to engage in a discussion on value and we are at impasse. How much different are yours vs their point of view? Are they basing their of...
by dm200
Sun Sep 17, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals
Replies: 55
Views: 3122

Re: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals

Why would you get a colonoscopy at a hospital? That makes it more expensive than it needs to be, so the patient should pay those excessive charges. We get colonoscopies at the clinic part of our medical group. We are in and out in about 2 hours and it doesn't cost us anything. Medicare pays for all...
by dm200
Sun Sep 17, 2017 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals
Replies: 55
Views: 3122

Re: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals

I do not now the details of CAH payments/copays/reimbursement, I would just be careful not pulling to much care away from you CAH. My understanding is yes, they do get a better reimbursement, but I did not think that affected the patient's out of pocket cost (especially with suplemental insurance)....
by dm200
Sun Sep 17, 2017 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals
Replies: 55
Views: 3122

Re: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals

In this area, insurer Anthem is declining to pay for certain scans done at hospitals because the hospitals charge many times more than the same tests done at the more independent facilities.
by dm200
Sun Sep 17, 2017 6:36 am
Forum: Personal Consumer Issues
Topic: A medical bill to argue?
Replies: 13
Views: 1328

Re: A medical bill to argue?

Outrageous. Considering that many of the docs on this forum insist their profession is a business, what other business is there where one is quoted a price and the business itself charges several multiples of that quoted price for the service rendered without recourse for the consumer? Outrageous, ...
by dm200
Sat Sep 16, 2017 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Local Real Estate Agents recent ads - claim to have thousands of buyers??
Replies: 4
Views: 491

Local Real Estate Agents recent ads - claim to have thousands of buyers??

There are two or three heavily advertised (Washington DC area) real estate agents that claim: 1. They have thousands of buyers ready to buy (one says over 5,000 another says over 8,000) 2. They claim to sell houses much faster than average and for much more than average 3. They claim that if the lis...
by dm200
Sat Sep 16, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: A medical bill to argue?
Replies: 13
Views: 1328

Re: A medical bill to argue?

Pajamas wrote:
Sat Sep 16, 2017 6:30 pm
First thing to do is ask if it was submitted for payment under your health coverage and if not, then assure that it is. No use worrying about it until they process it.
I agree - see what the insurance company determines and why.
by dm200
Sat Sep 16, 2017 6:44 pm
Forum: Personal Consumer Issues
Topic: Lawyer overbilling for prenup review
Replies: 66
Views: 5085

Re: Lawyer overbilling for prenup review

Paste us your time limit instructions and the attorney's estimate in email or the engagement letter. In hindsight I wish my written language in my email to negotiate further services from him after the initial consult was very exact about a ceiling on hours, but here is what I wrote: "Please let me...
by dm200
Sat Sep 16, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Lawyer overbilling for prenup review
Replies: 66
Views: 5085

Re: Lawyer overbilling for prenup review

It still cost us $10K combined to finalize the thing.
Wow!!!
by dm200
Sat Sep 16, 2017 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Bond return negative. CD or money market alternative.
Replies: 30
Views: 2989

Re: Bond return negative. CD or money market alternative.

WhiteMaxima wrote:
Fri Sep 15, 2017 3:38 pm
This year bond fund return is almost zero. Equity is 16%. Could CD and money market replace bond in this environment? Or even high yield bond?
For an organization I manage (part time), we hold Vg GNMA (Admiral shares) and 1 year return (as of 8/31/17) is 0.60%. Three year return is 2.36%
by dm200
Sat Sep 16, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Who has needed to use their umbrella insurance?
Replies: 113
Views: 13732

Re: Who has needed to use their umbrella insurance?

Let's say that you are single and make $100k, but don't have much in the way of assets outside of your 401k, IRA, and home equity (i.e. not much in taxable). Let's say you don't have umbrella insurance and are in an auto accident where you are at fault and the other party either dies or is permanen...
by dm200
Sat Sep 16, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Lawyer overbilling for prenup review
Replies: 66
Views: 5085

Re: Lawyer overbilling for prenup review

Wow! Six hours of "work"!! In my experience years ago dealing with estate planning with an attorney that billed by the hour, some (or much) of the billed hours were for "research" of some things that, it seemed to me, should have been already known by such an attorney. Was there anything of "value" ...