Search found 13893 matches

by dm200
Sun Dec 10, 2017 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: DAF - when is it right to do?
Replies: 8
Views: 675

Re: DAF - when is it right to do?

There are many reasons for opening and using a DAF. I don't think (directly at least) income or donation amount is the "key". 1. You want to make anonymous donations - and still get the tax deduction for the contribution. Anonymous donations can keep you off the solicitation lists you get on by mak...
by dm200
Sun Dec 10, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: CDs that compound interest payments, at big brokerages ?
Replies: 9
Views: 645

Re: CDs that compound interest payments, at big brokerages ?

AAA wrote:
Sun Dec 10, 2017 5:00 pm
There are disadvantages if you have to cash in a brokered CD early compared to a direct bank CD. Check that out if you think it may be a possibility. That said, I use them a lot for the convenience.
Yes.. Both interest rate risk if rates go UP as well as the significant bid ask spread..
by dm200
Sun Dec 10, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Pay taxes on free food?
Replies: 26
Views: 2267

Re: Pay taxes on free food?

Or even better not take it. Many doctors don't. It is an inherent conflict of interest and being a doctor I would assume that you could afford to pay for your own dinner. They say everyone has their price, the pharmaceutical companies know that yours is just a free diner. If you are going to sell y...
by dm200
Sun Dec 10, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: carefirst or Kaiser Rockville Md
Replies: 19
Views: 782

Re: carefirst or Kaiser Rockville Md

No they are not on medicare as they didn't complete work for 40 qtr. They have to purchase insurance. They are healthy except regular medication for blood pressure. Visited doctor twice in a year nothing major. Also bcbs(care first) is very expensive compare to kaiser. Ah, I see. That makes, as I a...
by dm200
Sun Dec 10, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: carefirst or Kaiser Rockville Md
Replies: 19
Views: 782

Re: carefirst or Kaiser Rockville Md

Thank you guys . I will go with kaiser. I also talked to few people who are insurance broker and also they said same thing that if you are above 65 years kaiser is good. I am from Montgomery county so i think facilities are good. there are three hospitals around so will be easy to do all work in on...
by dm200
Sun Dec 10, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Pay taxes on free food?
Replies: 26
Views: 2267

Re: Pay taxes on free food?

I think a bigger issue would be if a doctor had to write off or decrease a patient's bill. The amount could be considered "income" to the patient.
No CPA or tax expert, but this seems very different than the bank/lender tax issue. I really wonder if this is even remotely correct??
by dm200
Sun Dec 10, 2017 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: DAF - when is it right to do?
Replies: 8
Views: 675

Re: DAF - when is it right to do?

At what point would you say a DAF is appropriate to open? Is there a rough rule of income or donation amount where this is considered appropriate? Thanks There are many reasons for opening and using a DAF. I don't think (directly at least) income or donation amount is the "key". 1. You want to make...
by dm200
Sun Dec 10, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: CDs that compound interest payments, at big brokerages ?
Replies: 9
Views: 645

Re: CDs that compound interest payments, at big brokerages ?

Like many, I have decided I'm better off with CDs than with bond funds, for money I plan to use in the new few years. Specifically, I would like to take the money I've budgeted for 2020 living expenses and put it into a CD; rates seem to be a little over 2% right now. The thing is, I learned the ha...
by dm200
Sun Dec 10, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Pay taxes on free food?
Replies: 26
Views: 2267

Re: Pay taxes on free food?

The biggest reason that I am considering claiming this as income is that it is publicly available knowledge on OpenPaymentsData.CMS.gov. Anyone can search any physician's name and see the amount of each individual "payment," the type of payment (just food and beverage for me) and who it came from a...
by dm200
Sun Dec 10, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to get rid of lot of land?
Replies: 34
Views: 5709

Re: Best way to get rid of lot of land?

1. Within the limits of what can or cannot be done, without spending a lot of money - do things (or hint at doing things) that will make the lot a nuisance. 2. Become annoying to the neighbors 3. Hire some homeless folks to appear to be "occupying" the lot. A neighbor might, then, buy the lot. :shar...
by dm200
Sun Dec 10, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 79
Views: 2934

Re: Please suggest a dry hands product

I would not recommend it, but I grew up on a farm and we had sheep. When the sheep were shorn and w handled the wool, our hands became wonderfully soft from the lanolin in the wool. Of course, our hands also smelled like the sheep.
by dm200
Sun Dec 10, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 79
Views: 2934

Re: Please suggest a dry hands product

Sometimes "dry hands" can be caused by or made worse by hand washing using drying soap or detergent "hand soap". if you have the need (good idea for other health) for a lot of handwashing - maybe consider soap such as unscented Dove that may not dry the hands as much.
by dm200
Sun Dec 10, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: carefirst or Kaiser Rockville Md
Replies: 19
Views: 782

Re: carefirst or Kaiser Rockville Md

I have Kaiser Advantage. This is in Colorado. I am on Medicare and the premium I pay for the plan I chose cost me only the regular Medicare monthly cost that all Medicare people pay. I am covered Part A/b/d. Kaiser is an easy way to go. Plenty of clinics. Easy to get an appointment. You know before...
by dm200
Sun Dec 10, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Consumer Loan
Replies: 6
Views: 315

Re: Consumer Loan

The 12,000 is not "free" to the merchant - the money must be "borrowed" in some sense. The merchant is getting some amount less than $12,000 immediately in exchange for an intermediary getting 12,000 over 24 months. If the interest rate were 6.00%, 11,281.40 is the cash now equivalent. If the intere...
by dm200
Sun Dec 10, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 64
Views: 3381

Re: I am buying a car: Most/Least Reliable Makes?

Count me as another disappointed Toyota owner. My 2004 camry was regularly maintained. Thought I'd be a true boglehead and drive it till 150-175k. But alas, at 114k, transmission is failing - and cost in my area for a rebuilt is at least 50% more than value of car. (And that's after I had to replac...
by dm200
Sun Dec 10, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: carefirst or Kaiser Rockville Md
Replies: 19
Views: 782

Re: carefirst or Kaiser Rockville Md

I can't speak to Rockville, but I live in N. California, have been a Kaiser member for decades, and I wouldn't change for anything. Whether it's a minor or major problem, they've got you covered. My wife has had lab tests and treatments while traveling; one time my wife and I were on a cruise ship ...
by dm200
Sun Dec 10, 2017 9:25 am
Forum: Personal Consumer Issues
Topic: carefirst or Kaiser Rockville Md
Replies: 19
Views: 782

Re: carefirst or Kaiser Rockville Md

If your parents live in northern Virginia or Montgomery county or NW DC, they should have absolutely no issues with Kaiser. Very good facilities (including referrals, if required, to some great non-Kaiser facilities) and a many, many specialists. Now if they live in Southern MD or PG county, differ...
by dm200
Sat Dec 09, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: carefirst or Kaiser Rockville Md
Replies: 19
Views: 782

Re: carefirst or Kaiser Rockville Md

hello , BCBS and Kaiser both offers HMo Plan other type of plan for BCBS is way costly above 1000$. my parents visited doctor once during their 1 year stay for primary check up. They don't have any regular physician as they spend only one year and never require any special medical treatment.they ar...
by dm200
Sat Dec 09, 2017 10:05 pm
Forum: Personal Consumer Issues
Topic: carefirst or Kaiser Rockville Md
Replies: 19
Views: 782

Re: carefirst or Kaiser Rockville Md

Based on their web page it appears that CareFirst is a Blue Cross/Blue Shield type of insurance which generally allows you to use any physician that accepts their coverage (payment levels). With Kaiser you are in an HMO type plan and limited to their physicians and facilities. If they have existing...
by dm200
Sat Dec 09, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes and Rental Income from Live-In Significant Other
Replies: 8
Views: 550

Re: Taxes and Rental Income from Live-In Significant Other

If I were in your situation, I would regard funds received as "sharing" in household expenses and not have any taxable income nor any rental expenses for taxes.
by dm200
Sat Dec 09, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: carefirst or Kaiser Rockville Md
Replies: 19
Views: 782

Re: carefirst or Kaiser Rockville Md

Hello , I really sorry to ask this question in this forum but i didnt find any good source to get information for insurance. I am confused in deciding which insurance to take in 2018 for my parents(not eligible for medicaid). Plans available for Maryland is Kaiser or care first. Carefirst starts ar...
by dm200
Sat Dec 09, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: How to convince DW that high miles used car is OK
Replies: 106
Views: 6522

Re: How to convince DW that high miles used car is OK

retiredjg wrote:
Sat Dec 09, 2017 3:41 pm
Sounds like a win!
Yes -
by dm200
Sat Dec 09, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: How to convince DW that high miles used car is OK
Replies: 106
Views: 6522

Re: How to convince DW that high miles used car is OK

"Issue" solved. Everyone is happy. Found affordable, 2002 Toyota Camry with "only" 88,000 miles and our mechanic checked it out - and no problems identified. :)
by dm200
Sat Dec 09, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: You can enroll in some Medicare plans any time
Replies: 0
Views: 135

You can enroll in some Medicare plans any time

If you are on Medicare and missed the annual fall window to change to a different plan, you still may be able to enroll in a "five star" plan (check the details) https://affordablemedicareplan.com/five-star-medicare-advantage-plans-enroll-anytime-2/ From what I read and understand, these five star p...
by dm200
Sat Dec 09, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 64
Views: 3381

Re: I am buying a car: Most/Least Reliable Makes?

...There is ALWAYS something needing expensive attention... Such as? Every car needs general maintenance; regardless of brand. My very wonderful 1998 Toyota Camry (bought used 2 years ago) now has only 82,000 miles. "Stuff" goes - from minor things (like short circuited tail light or power window o...
by dm200
Sat Dec 09, 2017 11:10 am
Forum: Investing - Theory, News & General
Topic: Which is better: Wellesley or 5-yr 2.5% CD?
Replies: 51
Views: 3659

Re: Which is better: Wellesley or 5-yr 2.5% CD?

Normally, CDs and certificates purchased directly from a bank or credit union can compound the interest in the CD. Brokered CDs, however, pay interest on a regular basis and cannot compound in the CD.
by dm200
Sat Dec 09, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Consumer Loan
Replies: 6
Views: 315

Re: Consumer Loa

Hi. I'm preparing to buy some appliances that will run about $12K. The retailer is offering 24 months no-interest payments, with the usual catch of "if you don't pay in full within 24 months, you owe retroactive interest." They have auto payments available, so I'd just have it set up through my ban...
by dm200
Sat Dec 09, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 64
Views: 3381

Re: I am buying a car: Most/Least Reliable Makes?

New or Used?

How old?

How much more are you willing to pay for more reliability? (Purchase price, fuel economy and service/maintenance)

Most libraries have Consumer Reports available. Check out what they say.
by dm200
Fri Dec 08, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: A Trip to Russia
Replies: 68
Views: 3089

Re: A Trip to Russia

My cardinal rules for staying relatively sober were: 1. Line up your stomach with a lot of fat before you leave home. Have a lot of butter or sour cream or both. 2. Never mix different types of alcohol. It's better to drink vodka throughout a drinking event than to have a cocktail, and then some wi...
by dm200
Fri Dec 08, 2017 2:41 pm
Forum: Investing - Theory, News & General
Topic: Which is better: Wellesley or 5-yr 2.5% CD?
Replies: 51
Views: 3659

Re: Which is better: Wellesley or 5-yr 2.5% CD?

My friend won't touch the money for at least five years (he's open to leaving it in longer, but five years minimum), so there will be no panic selling
Of course there could be his panic selling. The fund drops 5-10% and he "panics" and sells. I see that all the time..
by dm200
Fri Dec 08, 2017 2:34 pm
Forum: Investing - Theory, News & General
Topic: Which is better: Wellesley or 5-yr 2.5% CD?
Replies: 51
Views: 3659

Re: Which is better: Wellesley or 5-yr 2.5% CD?

Hi! I have a friend who wants to put away a mid-five-figure sum for five years, and he cannot afford to lose any of it. (It would be in a taxable account.) He needs to make some money on it, more than 2.5%, but is afraid to take chances . He's not an investor, though he trusts my opinion. I think W...
by dm200
Fri Dec 08, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: sharing cost of tree cutting
Replies: 31
Views: 1531

Re: sharing cost of tree cutting

If you are not already doing so - I would make sure to rake loose leaves from your yard regularly and keep the tree(s) reasonably trimmed/pruned. Since there are no overhanging branches or limbs - and your tree(s) are maintained - the leaves in his pool are his problem.
by dm200
Thu Dec 07, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Medicare Part D selection for my Mother in Law
Replies: 23
Views: 1369

Re: Question about Medicare Part D selection for my Mother in Law

Every step we took in her care, someone would point out to my Dad - "under your plan, you would not be covered to have this treatment, or you would not be allowed to use this provider or facility". Everyone we spoke with said to stick with Medicare. It all depends on the MA plan.. I run into lots a...
by dm200
Thu Dec 07, 2017 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Medicare Part D selection for my Mother in Law
Replies: 23
Views: 1369

Re: Question about Medicare Part D selection for my Mother in Law

Then, there is the case of what happens when your primary care doctor is sick for a while. That happened to us recently. Although a roving doctor filled in for our doctor for the day (week?) after the original appointment had already been postponed, you should ask your primary care doctor what thei...
by dm200
Thu Dec 07, 2017 5:42 pm
Forum: Personal Consumer Issues
Topic: sharing cost of tree cutting
Replies: 31
Views: 1531

Re: sharing cost of tree cutting

That's the thing, the branches don't actually overhang so I suspect that trimming my tree will minimally improve his situation... tree + wind = blown leaves. Unless I cut my tree down to below my dividing wall, I think he is bound to get leaves in his tree. I think the trees are mutually beneficial...
by dm200
Thu Dec 07, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: sharing cost of tree cutting
Replies: 31
Views: 1531

Re: sharing cost of tree cutting

I believe that dangerous situations are more nuanced and dependent on state law e.g. rotten limbs. But here it should be entirely up to him. Cutting those branches will not help much if the wind is blowing anyway. He has a right to cut them back to the property line in a manner that does not hurt y...
by dm200
Thu Dec 07, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: sharing cost of tree cutting
Replies: 31
Views: 1531

Re: sharing cost of tree cutting

Hi Bogleheads: My new neighbor has a swimming pool in their backyard near the border with my house. I have trees growing in my property but apparently, the leaves from my trees fall into his pool. He is asking me to prune my trees that overhang into his yard and he will split the cost. Prior neighb...
by dm200
Thu Dec 07, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: A Trip to Russia
Replies: 68
Views: 3089

Re: A Trip to Russia

Never, ever, under any circumstance go off for the day without a roll of toilet paper tucked in your pocket book or day-pack. When you see the toilets in many places the wisdom of this recommendation will become more apparent. When there is toilet paper, you may think it is sand paper. :) The Ortho...
by dm200
Thu Dec 07, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Okay come clean....How man people share passwords for streaming services?
Replies: 41
Views: 1517

Re: Okay come clean....How man people share passwords for streaming services?

GCD wrote:
Thu Dec 07, 2017 2:52 pm
I only share with my wife, but we are in the same household so I don't think it matters... or is really what you meant. So I guess my answer is no, never.
Can anyone cite specific prohibitions?
by dm200
Thu Dec 07, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Okay come clean....How man people share passwords for streaming services?
Replies: 41
Views: 1517

Re: Okay come clean....How man people share passwords for streaming services?

Many people who consider themselves honest or "good Christians" have no issue with digital piracy, which is theft. Go to any "cut the cord" thread on the internet, and pretty much everyone mentions "I'll use my sister's netflix"... OK - I am against "digital piracy" -- BUT is sharing passwords for ...
by dm200
Thu Dec 07, 2017 1:18 pm
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 6884

Re: Lowering My Grocery Bill

Family of 3 here, w e spend $250 per month on all food (we never eat out, if we do it is on a gift card we have been given). It helps that we have 3 different grocery chains within a 1.5-mile radius. We shop the ads heavily and stock up on deals. We also mix in Walmart and Sam's Club for other item...
by dm200
Thu Dec 07, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Okay come clean....How man people share passwords for streaming services?
Replies: 41
Views: 1517

Re: Okay come clean....How man people share passwords for streaming services?

I share with four others. Each pays for one service. Netflix Hulu Amazon and Showtime. No issues to speak of so far but I must admit a very small amount of guilt and can certainly afford to purchase all four myself. When I mentioned this to the others they laughed and said everyone does this and th...
by dm200
Thu Dec 07, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: House on the market less than a day. Did listing agent commit fraud?
Replies: 55
Views: 6429

Re: House on the market less than a day. Did listing agent commit fraud?

The motorcyclesarecool family has been in the market for a house for the past year. Yesterday our buyer’s agent contacted us about a property that was at least 95% of our ideal and reasonably priced. We set up a showing for today. Showing was cancelled because the house went under contract last nig...
by dm200
Thu Dec 07, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 4739

Re: I received a speeding ticket via mail from IA - should I pay it?

Apparently they have camera/radars and mail you ticket. 78 in 65 of major interstate (29). $100. Annoyingly just north in SD the same highway speed limit is 80. Looking up it is considered a civil penalty, not criminal. It isn't reported to driving agencies, insurance etc. Worst case if you don't p...
by dm200
Wed Dec 06, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: A Trip to Russia
Replies: 68
Views: 3089

Re: A Trip to Russia

Agree strongly with recommendation to learn Cyrillic alphabet beforehand. We saw a ballet and I was trying to find my seat (original Bolshoi theater) - fortunately an usher helped me. I kept the ticket and once I learned the Cyrillic alphabet back in the US - the ticket said (transliterated) AMPHIT...
by dm200
Wed Dec 06, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: A Trip to Russia
Replies: 68
Views: 3089

Re: A Trip to Russia

I have left the USSR over thirty years ago and have not been back. Obviously, a lot has changed since then, but some authentic experiences probably remain: 1. Take an over-night train from Moscow to St Petersburg, or the other way around, and try a real Russian tea served by the train conductor. 2....
by dm200
Wed Dec 06, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 6884

Re: Lowering My Grocery Bill

$500 seems quite reasonable for CA. If you want to lower the bill, then you have to look at what you are buying. Eat less meat. Don't pay for things you drink (soda, water, beer). Don't buy it if it is not something that is in your healthy zone of foods. Buy in bulk more. Cook from scratch. You can...
by dm200
Wed Dec 06, 2017 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: bank secrecy act-10k
Replies: 11
Views: 1151

Re: bank secrecy act-10k

Although if the bank knew that you were asking if this was a suspicious activity, the question itself could trigger a report. :twisted: Actually for a transfer from a 475b account thats not likely to happen, but if you walk in to a bank with say $8,000 in cash from a car sale asking if the deposit ...
by dm200
Wed Dec 06, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: bank secrecy act-10k
Replies: 11
Views: 1151

Re: bank secrecy act-10k

Just do not ask any questions, etc. that would lead a financial institution to believe you had something to hide.
by dm200
Wed Dec 06, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 6884

Re: Lowering My Grocery Bill

It isn't that foods which do not contain gluten are more expensive, it is that foods that normally do but are processed to not have gluten are more expensive than their conventional counterparts. Gluten-free bread and other baked goods are expensive. I eat virtually gluten-free, but it is not becau...