Search found 13062 matches

by dm200
Wed Oct 18, 2017 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Employer Benefits - Insurance Options, are these useful?
Replies: 10
Views: 445

Re: Employer Benefits - Insurance Options, are these useful?

I think I'm pretty set on these 3 optional insurances - seems Bogleheads agrees that these are not useful (at least for the price and my situation). So the last thing I will leave with is this question: My spouse's employer will pay for STD and LTD insurance coverage, HOWEVER - they give us the opt...
by dm200
Wed Oct 18, 2017 8:06 pm
Forum: Investing - Theory, News & General
Topic: Written transactions in brokerage accounts basically going away
Replies: 4
Views: 418

Change for mail purchases of Vanguard funds

Received notice (when I logged in) that, effective in February 2018, except for the Settlement fund, you will no longer be able to purchase Vanguard Mutual Funds my mailing a check. it appears, then, that the allowable exception to the 30 day frequent trading rule of mailing a check for purchase (be...
by dm200
Wed Oct 18, 2017 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Employer Benefits - Insurance Options, are these useful?
Replies: 10
Views: 445

Re: Employer Benefits - Insurance Options, are these useful?

Accident Insurance: $34.64 / Month for Family coverage What circumstances and benefits does this provide that health/medical does not? It seems to me that you need/want the same coverage whether a condition is caused by a disease and in an "accident". Might this be "AD&D" - accidental death and dis...
by dm200
Wed Oct 18, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Is a doctor's practice one of the safest and most profitable businesses?
Replies: 58
Views: 3046

Re: Is a doctor's practice one of the safest and most profitable businesses?

It seems very common that Optometrists, today, often work in or with Ophthalmology practices. With a former Ophthalmologist, at the same appointment, the Optometrist would do the refractions (to see if my glasses needed updating) and the Ophthalmologist would do the pupil dilation and look at the ey...
by dm200
Wed Oct 18, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Any Red Flag with Canceling Federal Employee Health Insurance?
Replies: 11
Views: 944

Re: Any Red Flag with Canceling Federal Employee Health Insurance?

Not surprising about your spouse's health insurance being better. I had often heard that federal benefits were far beyond anything in the private sector, but my current FEHB coverage is more expensive (double) for very similar coverage I used to get in the private sector. I have not personally hear...
by dm200
Wed Oct 18, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Any Red Flag with Canceling Federal Employee Health Insurance?
Replies: 11
Views: 944

Re: Any Red Flag with Canceling Federal Employee Health Insurance?

1. Example of retirement issue/risk - a friend was a longtime federal employee and his wife received free or very low cost family health insurance. So, he dropped his federal health insurance to save money. Now, in retirement, the wife's former employer provides NOTHING to retirees for health benefi...
by dm200
Wed Oct 18, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: next year health insurance plan provided by company
Replies: 13
Views: 896

Re: next year health insurance plan provided by company

So they have released the info today, HSA plan (employee with family) every 2 weeks <$13/hr: $84 $13-25: $150 $25-49: $170 $48>: $205 So it will go up by $15 compare to this year. While such tiers may not be (or have been) all that common, my guess is that such tiers and pricing as you posted may b...
by dm200
Wed Oct 18, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Is a doctor's practice one of the safest and most profitable businesses?
Replies: 58
Views: 3046

Re: Is a doctor's practice one of the safest and most profitable businesses?

I know a lot of docs who are hardly making a go of it these days, and many more who've sold out to hospitals simply so they can take home a paycheck. Now I agree there are plenty of others making a ton. Medicine is an odd type of business model. In private practice the doc gets paid on a "per servi...
by dm200
Wed Oct 18, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare change upcoming - preauthorization for imaging tests
Replies: 13
Views: 1237

Re: Medicare change upcoming - preauthorization for imaging tests

The following link from a cardiology website provides more specific detail on how the PA process will work in 2018. https://www.dicardiology.com/article/cms-require-appropriate-use-criteria-documentation-medical-imaging-orders Lev I notice that this was dated April 2017 - so I wonder if any aspects...
by dm200
Wed Oct 18, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Using a broker for a Supplemental Medicare Plan?
Replies: 18
Views: 501

Re: Using a broker for a Supplemental Medicare Plan?

My understanding is that these plans have identical policy coverages and differ only on price and deductibles. If the insurers pay the brokers is there a disadvantage to using one? These supplemental policies must be "profitable" to the issuers, since they are heavily advertised (TV, Radio, email, ...
by dm200
Wed Oct 18, 2017 1:06 pm
Forum: Investing - Theory, News & General
Topic: Office wants to pay dentist as contractor (sub-s). Any issues?
Replies: 16
Views: 970

Re: Office wants to pay dentist as contractor (sub-s). Any issues?

Hi all. I am hoping someone can point me in the right direction (or even maybe flat out answer it) on a question about working as a medical professional and being paid corp to crop. A local dental office wants to hire my dentist wife and pay her as a contractor. Apparently the owners have many offi...
by dm200
Wed Oct 18, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Is a doctor's practice one of the safest and most profitable businesses?
Replies: 58
Views: 3046

Re: Is a doctor's practice one of the safest and most profitable businesses?

Similarly, an optometrist; in my state, when he trained and was licensed, optometrists were not allowed to dilate eyes. Now, that has changed, and the newer and younger optometrists do it. He would have to spend time and money to get trained and licensed. He chose not to do so, and lives with whate...
by dm200
Wed Oct 18, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Is a doctor's practice one of the safest and most profitable businesses?
Replies: 58
Views: 3046

Re: Is a doctor's practice one of the safest and most profitable businesses?

Why do doctors make so much money and is running a healthcare practice is much more profitable than many other businesses? Would you guys say running a healthcare business/practice is safer and more profitable than other businesses (e.g. food, real estate, gym, tax/accounting, etc., etc.)? Do docto...
by dm200
Wed Oct 18, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Why so many "reversed" pictures?
Replies: 14
Views: 2131

Re: Why so many "reversed" pictures?

Huh!! I've never seen those reversed photos. Never claimed to have good observation powers :oops: Some (perhaps most) people do not have symmetric faces, so if you look at a face photo (perhaps yourself) reversed - it may not look fully like you. That is difficult for me to observe. I was referring...
by dm200
Wed Oct 18, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: Why so many "reversed" pictures?
Replies: 14
Views: 2131

Re: Why so many "reversed" pictures?

an_asker wrote:
Wed Oct 18, 2017 9:09 am
Huh!! I've never seen those reversed photos. Never claimed to have good observation powers :oops:
Some (perhaps most) people do not have symmetric faces, so if you look at a face photo (perhaps yourself) reversed - it may not look fully like you.
by dm200
Wed Oct 18, 2017 9:13 am
Forum: Personal Consumer Issues
Topic: Car Buying, Time to grow up.
Replies: 59
Views: 4763

Re: Car Buying, Time to grow up.

This "technique" usually works best for used cars, but it could work for new ones as well. [I have assisted folks with this twice for used cars.] When you are happy with the car for sale at the dealership, but they will not accept what you believe is a fair offer - and they insist they will not sell...
by dm200
Wed Oct 18, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: gas furnace
Replies: 6
Views: 304

Re: gas furnace

When you are designing a house from the start it is possible to place a furnace in the optimum place. For builders this means the cheapest place, even though it may not be the "best" design. For an existing house, the biggest expense of a furnace replacement may well be relocating duct work. I'm be...
by dm200
Wed Oct 18, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: gas furnace
Replies: 6
Views: 304

Re: gas furnace

Hello there I try to install a gas furnace and don't know how to go by choosing which brand i should buy, anyone has experience which brand is better than others, and i'm thinking for goodman. Also, what is pros and cons on the attic or ground ( or garage ) for installation of the furnace? Why hvac...
by dm200
Wed Oct 18, 2017 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Medicare change upcoming - preauthorization for imaging tests
Replies: 13
Views: 1237

Re: Medicare change upcoming - preauthorization for imaging tests

Here's a link to what I believe to be the referenced article: https://www.consumerreports.org/medical-treatments-procedures/make-sure-your-medical-treatment-is-covered/ It isn't at all clear, but I'm thinking they're referring to Medicare Advantage plans. They are referring to traditional Medicare....
by dm200
Wed Oct 18, 2017 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Medicare change upcoming - preauthorization for imaging tests
Replies: 13
Views: 1237

Re: Medicare change upcoming - preauthorization for imaging tests

Here's a link to what I believe to be the referenced article: https://www.consumerreports.org/medical-treatments-procedures/make-sure-your-medical-treatment-is-covered/ It isn't at all clear, but I'm thinking they're referring to Medicare Advantage plans. Yes, this is the article. It is very clear ...
by dm200
Wed Oct 18, 2017 7:20 am
Forum: Personal Consumer Issues
Topic: Why so many "reversed" pictures?
Replies: 14
Views: 2131

Re: Why so many "reversed" pictures?

I have noticed that as well. My guess is that there are several reasons. One might be that the pictures look better reversed (as long as you don't see obvious reversals). I believe there are even some movie scenes filmed in reverse. I can't recall which one, but there was one of the Babe Ruth movies...
by dm200
Tue Oct 17, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Roofer stopped showing up - what are my options?
Replies: 18
Views: 2491

Re: Roofer stopped showing up - what are my options?

my roofer out there with 10k of my money,


This was a $20,000 job??
by dm200
Tue Oct 17, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Roofer stopped showing up - what are my options?
Replies: 18
Views: 2491

Re: Roofer stopped showing up - what are my options?

Maybe I missed something in the posts, but: 1. No expert, but being a good "handyman" and being good at replacing a roof might be very different. 2. It seems to me that thr 50% upfront could be justified by the need for the roofing supplies. Are any of those on your property? 3. What does your insur...
by dm200
Tue Oct 17, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare change upcoming - preauthorization for imaging tests
Replies: 13
Views: 1237

Re: Medicare change upcoming - preauthorization for imaging tests

Lynette wrote:
Tue Oct 17, 2017 2:28 pm
Would the pre-authorization come from Medicare? I'm new to Medicare and only once needed Pre-authorization for a procedure (not imaging) from my Employer HMO.
From the referenced article, yes. The same referenced article says this will start as "optional" in 2018 and mandatory in 2019.
by dm200
Tue Oct 17, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: contributing to friend's non-profit?
Replies: 36
Views: 1780

Re: contributing to friend's non-profit?

I've decided to contribute the cost of two tickets and not attend the gala (I don't like galas of any sort).
You don't have to "dress up" either. :)
by dm200
Tue Oct 17, 2017 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to make some dollars on a 10 day vacation?
Replies: 50
Views: 3898

Re: Best way to make some dollars on a 10 day vacation?

These require some preparation beforehand, but I would suggest: Election Judge Check your local government's website on how to become an election judge. You'll probably have to take a training class first, but once you get trained in you can serve as an election judge for local, state and national ...
by dm200
Tue Oct 17, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare change upcoming - preauthorization for imaging tests
Replies: 13
Views: 1237

Re: Medicare change upcoming - preauthorization for imaging tests

I was surprised to see that wasn't already the norm; my insurance is generally pretty good, but I've had to get prior authorization for MRIs for years. Yes - my Medicare plan requires (as best I understand) some degree of pre-authorization, but it has always been done without any perceived delay - ...
by dm200
Tue Oct 17, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare change upcoming - preauthorization for imaging tests
Replies: 13
Views: 1237

Re: Medicare change upcoming - preauthorization for imaging tests

In the November 2017 issue of Consumer Reports on health, there is an article about an upcoming Medicare change (optional in 2018, mandatory in 2019) that will require Preauthorization (PA) for expensive imaging tests (such as MRIs, CT scans, nuclear imaging). If the PA is not received, then you ma...
by dm200
Tue Oct 17, 2017 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Grandparents want to give to grandkids
Replies: 28
Views: 2130

Re: Grandparents want to give to grandkids

For small/modest amounts, I would open (with the funds supplied by the grandparent) a membership savings account at a local based credit union in the name of the child - with parent or parents as joint owner. In a few years, even when very young, the child can make deposits and withdrawals (in modes...
by dm200
Tue Oct 17, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare change upcoming - preauthorization for imaging tests
Replies: 13
Views: 1237

Medicare change upcoming - preauthorization for imaging tests

In the November 2017 issue of Consumer Reports on health, there is an article about an upcoming Medicare change (optional in 2018, mandatory in 2019) that will require Preauthorization (PA) for expensive imaging tests (such as MRIs, CT scans, nuclear imaging). If the PA is not received, then you may...
by dm200
Tue Oct 17, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: good used car.
Replies: 11
Views: 948

Re: good used car.

Check Consumer reports buying guide annual issue (usually December).

Older Toyota Camrys often fit the bill.
by dm200
Tue Oct 17, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Joining Federal Service - A No-Brainer?
Replies: 20
Views: 2262

Re: Joining Federal Service - A No-Brainer?

Also, there is no eligibility of FEHB under this action. Could you expand on this information? I have 4 years of fed work from the past (VA hospital, really enjoyed it), and am considering applying to a fed job in order to qualify for FEHB. What are the requirements to become eligible for FEHB? Tha...
by dm200
Tue Oct 17, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 52
Views: 3076

Re: Negotiating for a new car purchase

Update on this situation: I’ve had a lot of pointless communications with dealers, mostly them trying to find out “when can I come in.” None of them have the car I want in stock. They all say they can find it, but then they fail to follow up on that and fall back to asking me to show up in person. ...
by dm200
Tue Oct 17, 2017 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Investing in private companies
Replies: 27
Views: 1548

Re: Investing in private companies

I'll throw in my own experience. Two decades ago I put all my assets into a company I controlled. This is a good news story; the company has been profitable every year. BUT, I have still not been able to get my money out of the company. When I invested in the company, it never entered my mind that ...
by dm200
Tue Oct 17, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 52
Views: 3076

Re: Negotiating for a new car purchase

..don't buy new, its a fools game... I just read a detailed analysis in another thread that said just the opposite. If you are going to keep a car until it is 12 years old, you do about the same buying new or used. Now I can't find that post. What do others think. As I have posted in the past, over...
by dm200
Tue Oct 17, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Wills/Trust/Estate Planning - How best to review legal documents
Replies: 21
Views: 1521

Re: Wills/Trust/Estate Planning - How best to review legal documents

One of the drafting errors we found in reviewing our wills (and was quickly corrected) was (as I recall) that the draft included the most common wording for a situation, but where we (with full understanding and attorney agreement) chose to have some different provision. The drafting attorney just m...
by dm200
Tue Oct 17, 2017 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Investing in private companies
Replies: 27
Views: 1548

Re: Investing in private companies

That is scary. If we form an LLC or partnership with limited liability partners, wouldn't that protect our personal assets in situations such as this? 2. Personal guarantee of loans, contracts, legal settlement and "joint ans several" No, it wouldn't. I think you've misunderstood what dm200 is talk...
by dm200
Tue Oct 17, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Joining Federal Service - A No-Brainer?
Replies: 20
Views: 2262

Re: Joining Federal Service - A No-Brainer?

I believe that with six years of military service, she will get significant credit as a civilian employee for this time. I would consider this actual or potential benefit in her evaluation.
by dm200
Mon Oct 16, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Wills/Trust/Estate Planning - How best to review legal documents
Replies: 21
Views: 1521

Re: Wills/Trust/Estate Planning - How best to review legal documents

Attorneys I believe make the documents lengthy and complicated to ensure that you and your heirs will keep coming back for explanation and clarification, hence more fees for them. Anyone going to an attorney should insist that the documents be written in plain English so that the user can understan...
by dm200
Mon Oct 16, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: contributing to friend's non-profit?
Replies: 36
Views: 1780

Re: contributing to friend's non-profit?

Maybe I missed it, but how much to attend the gala? If you pay and attend, does this affirm your endorsement and future support of the entity? [Just my personal aversion ] Do you have to really "dress up" for this gala? For me, just the thpught of wearing a tux or fancy suit would keep me away. Mayb...
by dm200
Mon Oct 16, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: Where to notarize legal zoom documents? Trouble getting witnesses
Replies: 14
Views: 868

Re: Where to notarize legal zoom documents? Trouble getting witnesses

I believe the witness and notarization requirements for wills may differ by state. Make sure to comply with applicable state requirements.
by dm200
Mon Oct 16, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Car Buying, Time to grow up.
Replies: 59
Views: 4763

Re: Car Buying, Time to grow up.

I am actually really glad I read some of the posts about trying to find a cheaper price for the same car at a different dealership. I know it might be nothing to some of you, but I have already been able to find the same vehicle I am looking for at 800 dollars cheaper just by reaching out to a few ...
by dm200
Mon Oct 16, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage vs. Supplemental
Replies: 40
Views: 2385

Re: Medicare Advantage vs. Supplemental

Here in Western NC, the largest insurer in the state, BCBS NC, and the largest hospital system, Mission, have had a falling out--the hospital is no longer in network for BCBS. As I understand it, this does not affect traditional Medicare/Medigap patients but does affect those with BCBS Medicare Adv...
by dm200
Mon Oct 16, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Wills/Trust/Estate Planning - How best to review legal documents
Replies: 21
Views: 1521

Re: Wills/Trust/Estate Planning - How best to review legal documents

As I have posted other times, when my wife and I redid our estate planning documents, after consultation with the attorney, we chose complex wills with Testamentary trusts. Part of the fixed price was a review of the drafts and corrections until we were satisfied. In the review, I found two drafting...
by dm200
Mon Oct 16, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Question about Medigap Insurance
Replies: 5
Views: 510

Re: Question about Medigap Insurance

My wife has had a medicare advantage plan since age 65. She is 77 now and Blue Cross Blue Shield will no longer offer her Advantage plan after December 31, 2017.
Would or could she consider another Medicare Advantage Plan?
by dm200
Mon Oct 16, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Bonus pushed back - should I be annoyed?
Replies: 43
Views: 3030

Re: Bonus pushed back - should I be annoyed?

Such changes are common in recent decades from employers - whether it be terminating defined benefit pensions to higher costs for employee health insurance to termination of retiree health insurance benefits. At least they have not terminated the bonus payments..
by dm200
Mon Oct 16, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: UTMA accounts
Replies: 17
Views: 526

Re: UTMA accounts

I have been trying to get my children to take over their UTMA accounts. I have warned them that if they do not change the account registration, the accounts will revert back into my estate at death. They seem to be too busy working. I cannot transfer the accounts without their signatures either med...
by dm200
Mon Oct 16, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: UTMA accounts
Replies: 17
Views: 526

Re: UTMA accounts

Agreed, it's too late. And agreed on the non-necessities. We were you planning to buy them cars, or school trips, or something along those lines? You could spend down at least some of it. I am the legal custodian but it is their money. I have to report everything to the court. So far only thing I a...
by dm200
Mon Oct 16, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: Dental implants in Poland
Replies: 29
Views: 2264

Re: Dental implants in Poland

Someone pulled the wool over your eyes. A board certified oral & maxillofacial surgeon did NOT do you root canal if it was in the past 20 years. But there are multiple specialties and you are certainly not the first one to get confused. In fact, some dentists prey on this confusion. Not all implant...
by dm200
Mon Oct 16, 2017 9:17 am
Forum: Personal Finance (Not Investing)
Topic: UTMA accounts
Replies: 17
Views: 526

Re: UTMA accounts

It's too late. The funds belong to them and you can't take them back, although you could spend it on non necessaries for them. You made an irrevocable gift to them. Gill True. Also, the age at which the custodian is required to tuen over the funds to the "minor" ranges from 18 to 25, depending on a...