Search found 16577 matches

by dm200
Thu Jul 19, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement plans, 3 day rule, and coverage of Skilled Nursing facilities
Replies: 15
Views: 680

Re: Medicare Supplement plans, 3 day rule, and coverage of Skilled Nursing facilities

Life used to be simpler - unless you were unconscious - you knew whether you were "in" the hospital or were "not in" the hospital.
by dm200
Thu Jul 19, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 65
Views: 3189

Re: 35 minute connection for flight, long enough?

I have taken flights where they hold the departing flight when there are a number of arrivals coming in on the same airline.
by dm200
Thu Jul 19, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 65
Views: 3189

Re: 35 minute connection for flight, long enough?

I'm booking our Christmas flights. Is a 35 minute connection in Denver long enough? Seems like a close call, but all the other flight schedules are terrible and costly. It's United. Second, I've got a bunch of Chase rewards, should I got through the Ultimate rewards website or transfer to United? S...
by dm200
Thu Jul 19, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get a warranty for my new glasses?
Replies: 24
Views: 1076

Re: Should I get a warranty for my new glasses?

I wear glasses 99% of every day - and have done so for 60+ years. For the last 20+ - they have been progressives.
by dm200
Thu Jul 19, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Fence question
Replies: 11
Views: 936

Re: Fence question

We are moving in a couple weeks and I am trying to set up a fence install soon after we move in. One of the side neighbors has a black ornamental 4 foot fence that is setback about a foot from the property line. We want to install a 6 foot vinyl privacy fence on all sides of the back yard which cre...
by dm200
Thu Jul 19, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30225

Re: Concierge medicine Worth It????

Different matter, but let me give an example of my previous Primary Care Physicians' (4 Internists) practice - and how the business manager there suggested something that save me a few dollars - I left that practice seven years ago to return to Kaiser - and I needed/wanted my relevant medical record...
by dm200
Thu Jul 19, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Should I get a warranty for my new glasses?
Replies: 24
Views: 1076

Re: Should I get a warranty for my new glasses?

I would think $300 - not $600. After all it is unlikely you BOTH would have a claim at the same time.

I skip this - and (as best I recall) have never had a situation that would have been covered - and have worn glasses for 60+ years.

My wife, however, likes to buy this kind of insurance/warranty.
by dm200
Thu Jul 19, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Auto Insurance, best way to compare
Replies: 13
Views: 1046

Re: Auto Insurance, best way to compare

Thank you all for the additional info. Sheepdog-appreciate the link to that insurance thread. Will check it out. DM200- Good point about reviewing coverage and costs to make sure properly insured and not paying more than needed, however I'm not really sure how to estimate. We're probably over insur...
by dm200
Thu Jul 19, 2018 8:38 am
Forum: Investing - Theory, News & General
Topic: Some 'hints' about brokered CDs
Replies: 42
Views: 8232

Re: My first brokered CD order...UPDATE

My original contribution...long and boring...above: https://www.bogleheads.org/forum/viewtopic.php?p=4014281#p4014281 Short version: I bought my 1st brokered CDs for a Roth from Vanguard....details in link above. I also learned... Vanguard posts a daily value for my brokered CDs; I guess from any b...
by dm200
Wed Jul 18, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Vacation Ideas like Alaskan Cruises
Replies: 11
Views: 843

Re: Vacation Ideas like Alaskan Cruises

Never took an Alaska cruise - but have taken two Bermuda cruises. We loved both of them!!
by dm200
Wed Jul 18, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30225

Re: Concierge medicine Worth It????

No personal experience with Original Medicare - but it seems to me that Physicians with patients on Original medicare might give a heads up to any such patients who do not have a Medigap policy of the potential high risks of costs. Hmmm interesting you think physicians know about these things, and ...
by dm200
Wed Jul 18, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Auto Insurance, best way to compare
Replies: 13
Views: 1046

Re: Auto Insurance, best way to compare

Thank you for the replies. Any reliable quick way to first make comparisons before checking with companies individually? If you have not already done so - do a review of coverage and costs to make sure you are properly insured and are not paying for more amounts and things than you need and want. W...
by dm200
Wed Jul 18, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Auto Insurance, best way to compare
Replies: 13
Views: 1046

Re: Auto Insurance, best way to compare

sport wrote:
Tue Jul 17, 2018 7:56 pm
There are often (usually?) discounts for multiple policies. So, shop all your policies when you compare rates.
This is the case with our State Farm policies - auto and homeowners for 40+ years
by dm200
Wed Jul 18, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30225

Re: Concierge medicine Worth It????

No personal experience with Original Medicare - but it seems to me that Physicians with patients on Original medicare might give a heads up to any such patients who do not have a Medigap policy of the potential high risks of costs. Hmmm interesting you think physicians know about these things, and ...
by dm200
Wed Jul 18, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Wills
Replies: 54
Views: 2639

Re: Wills

I am 60 married and have 2 adult children. My desire is for my husband to inherit everything and trust him to make sure my 2 children inherit everything 50/50 after he dies. I don't foresee any squabbling about this. I checked my state, Ohio, and if I die without a will, that is what the law says t...
by dm200
Tue Jul 17, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 137
Views: 8700

Re: Why own a bed?

Grt2bOutdoors wrote:
Tue Jul 17, 2018 6:52 pm
I prefer to stay married. The price of a bed is far cheaper than the alternative.
:D
by dm200
Tue Jul 17, 2018 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Wills
Replies: 54
Views: 2639

Re: Wills

The state always sends to the spouse first and then the kids. Unless you are giving to somebody else those rules make pretty good sense for the majority of people. If you have all of your accounts in TODs (you can split a checking account into multiple people) and beneficiaries on most everything e...
by dm200
Tue Jul 17, 2018 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring money from Canada - Wait for exchange rate to improve?
Replies: 11
Views: 378

Re: Transferring money from Canada - Wait for exchange rate to improve?

At one point many years ago - I recall traveling in canada when the ration was 1:1 - and then there were times when it was better.
by dm200
Tue Jul 17, 2018 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Wills
Replies: 54
Views: 2639

Re: Wills

I don't have a lawyer. How do you find a good lawyer? Ask for recommendations from your financial adviser, accountant, banker, or those friends who advised you that you need a will. Ensure the lawyer specializes in estate planning and wills - not other unrelated specialties absolutely - and does (r...
by dm200
Tue Jul 17, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30225

Re: Concierge medicine Worth It????

The risk of having no MediGap and no Medicare Advantage plan is there is NO cap for your out of pocket medical expenses with regular Medicare A&B. Having a MediGsp or Medicare Advantage plan would cap your out of pocket. 20% of a huge medical bill is still a huge $$$$$. . . . the 20% is only a part...
by dm200
Tue Jul 17, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 137
Views: 8700

Re: Why own a bed?

Are there any good reasons to own a bed? Why not just sleep on a mattress on the floor (I think the Japanese do that?) instead of paying hundreds or thousands of dollars to sleep a few feet off the ground? If such a person is single and interested in a relationship, this "choice" could be damaging ...
by dm200
Tue Jul 17, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30225

Re: Concierge medicine Worth It????

No personal experience with Original Medicare - but it seems to me that Physicians with patients on Original medicare might give a heads up to any such patients who do not have a Medigap policy of the potential high risks of costs.
by dm200
Tue Jul 17, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Class Reunion Fund: How to Hold and Where to Invest?
Replies: 14
Views: 750

Re: Class Reunion Fund: How to Hold and Where to Invest?

If the amount is $1,200 and it is to be used in ten years for another class reunion, the best thing to do with it would be to donate the money, preferably to the school or possibly for something related to education or related to the place the school is located. Could be used to buy something perma...
by dm200
Tue Jul 17, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Croatia/Slovenia/Montenegro - 8 days
Replies: 7
Views: 606

Re: Croatia/Slovenia/Montenegro - 8 days

Small suggestion - if you do not know the languages there, and any of the languages on this trip do not use the Latin alphabet - then it is probably Cyrillic (used in Russian, for example). Take 15 minutes and learn to transliterate Cyrillic to the latin alphabet - can help a lot. I did not know thi...
by dm200
Tue Jul 17, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Wills
Replies: 54
Views: 2639

Re: Wills

The biggest hurdle for us (and the reason we waited so long), was deciding who we wanted to become guardians for our children. IMO, that should never be a cause to not do a will. It was never apparent to DW and I who this would be when our child(ren) were young. We did the wills/trusts - and if we ...
by dm200
Tue Jul 17, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Wills
Replies: 54
Views: 2639

Re: Wills

I don't have a lawyer. How do you find a good lawyer? Ask friends, acquaintances, stc. Look for advserisements. Get an experienced estate planning attorney who deals with folks like you. Ask the following questions: 1. Do you do estates, wills trusts as a major part of your practice? MUST BE YES an...
by dm200
Tue Jul 17, 2018 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Wills
Replies: 54
Views: 2639

Re: Wills

Yes - you and spouse need wills! Many issues here - one is that if you die (or spouse dies) you almost certainly want the surving spouse to have (or have control of) the money you have. You do not want large amounts tied up for your children. In fact, you do have a will - one drawn up by your state ...
by dm200
Tue Jul 17, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30225

Re: Concierge medicine Worth It????

Nice! We both have CareFirst BCBS. I don't have anything like what she has with concierge. I can see my primary care doc during office hours - usually the same day if I need to. For anything urgent there is an unaffiliated urgent care near my house and an ER a bit further away. I have no access to ...
by dm200
Tue Jul 17, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Where to get a $100 bill?
Replies: 49
Views: 4900

Re: Where to get a $100 bill?

I would take 5 $20s to the nearest bank. Would any bank seriously not just give you a $100 bill in this scenario? I guess I don’t do that much business in banks but where I’m from I think any bank would happily exchange your bills and offer your kids a lollipop before you go. Are you sure about tha...
by dm200
Tue Jul 17, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30225

Re: Concierge medicine Worth It????

I'm not a doc, but my wife is a concierge patient so I thought I could help clear up how the financial side works. It's a fee. She pays $2100 per year out of pocket just to be a patient of the concierge practice. That does not include any medical services. She does get a fancy parking permit so she...
by dm200
Tue Jul 17, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30225

Re: Concierge medicine Worth It????

The risk of having no MediGap and no Medicare Advantage plan is there is NO cap for your out of pocket medical expenses with regular Medicare A&B . Having a MediGsp or Medicare Advantage plan would cap your out of pocket. 20% of a huge medical bill is still a huge $$$$$. Yes - seems to me a risk of...
by dm200
Mon Jul 16, 2018 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Class Reunion Fund: How to Hold and Where to Invest?
Replies: 14
Views: 750

Re: Class Reunion Fund: How to Hold and Where to Invest?

I wonder (don't know) if there are any better ways to have ownership of the account?
by dm200
Mon Jul 16, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30225

Re: Concierge medicine Worth It????

My age group is Medicare :D and you - and other posters - have made a good point about this. Although I have only seen my GP once or twice a year, that will change - if I get older :wink: - and will need more medical care. Is this Original Medicare? if so, with Medigap or not? Or is it a Medicare A...
by dm200
Mon Jul 16, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 65
Views: 3677

Re: Are Credit Cards Actually Convenient?

At some stores, the chip readers are significantly slower than the old "swipe" method, but it's not a huge deal. Yes.. I wonder how and when restaurants will use the chip readers? My guess is that fraud must be going up at restaurants that still use the swipe. The issuers have said that if a vendor...
by dm200
Mon Jul 16, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 68
Views: 4522

Re: $540 a month on food for graduate student budget too much?

I’ll throw out there that eating out, especially for lunch, can take much more time than packing something. You’ve got transportation time both ways plus ordering/prep. Just pack a sandwich, a piece of fruit, and a yogurt, and you’ve saved yourself half an hour. Very true! BUT - sometimes - for som...
by dm200
Mon Jul 16, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 65
Views: 3677

Re: Are Credit Cards Actually Convenient?

At some stores, the chip readers are significantly slower than the old "swipe" method, but it's not a huge deal.
Yes..

I wonder how and when restaurants will use the chip readers? My guess is that fraud must be going up at restaurants that still use the swipe.
by dm200
Mon Jul 16, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 68
Views: 4522

Re: $540 a month on food for graduate student budget too much?

dm200 wrote:
Mon Jul 16, 2018 11:51 am
While eating out is almost always more costly - I get the "all you can eat" Garden Bar at Ruby Tuesdays - and I avoid the ham, eggs and cheese.
Other "all you can eat" buffets can sometimes be a net bargain - if you eat enough AND can schedule such visits.
by dm200
Mon Jul 16, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 68
Views: 4522

Re: $540 a month on food for graduate student budget too much?

While eating out is almost always more costly - I get the "all you can eat" Garden Bar at Ruby Tuesdays - and I avoid the ham, eggs and cheese.
by dm200
Mon Jul 16, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 68
Views: 4522

Re: $540 a month on food for graduate student budget too much?

Fresh Vegetables
Fresh Fruits & Berries
Starches like corn, pumpkin, and potatoes
Legumes like peas, beans, and lentils
Whole grains like barley, rye, and brown rice
On balance, much less expensive way of eating.

Lower cost and HIGHER health benefits! Win - Win
by dm200
Mon Jul 16, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 50
Views: 5697

Re: Peloton spin bike worth the high cost?

I just use the recumbent stationary bike at the gym.

I don't need/want someone else telling me what to do - as in a spin class; I have a wife.
by dm200
Mon Jul 16, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Where to get a $100 bill?
Replies: 49
Views: 4900

Re: Where to get a $100 bill?

DanMahowny wrote:
Mon Jul 16, 2018 9:57 am
Vegas
Or ask a friend/acquaintance who goes to the casino or racetrack.

Use the correct term - you want a "Benjamin" :)
by dm200
Mon Jul 16, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Questioning insurance valuation for homeowners
Replies: 24
Views: 1218

Re: Questioning insurance valuation for homeowners

With State Farm to show them I am willing to accept a lower valuation and deductible. Not a good idea, just work with them and not resort to these games? Suggest doing what we did - go to their office and sit down and work through calculator - make sure they use the accurate figures - square ft, ro...
by dm200
Mon Jul 16, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 65
Views: 3677

Re: Are Credit Cards Actually Convenient?

I'd like to hear from other Bogleheads what they believe are the benefits of using credit cards, and whether these benefits outweigh the various hassles that come along with credit cards. I've been giving some thought to this because I've noticed that over the past several years, my credit cards ha...
by dm200
Mon Jul 16, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30225

Re: Concierge medicine Worth It????

And in the "Old old days", the "family doctor" would also stop by your house, and see the patient in bed if they were very sick. However, I think some of those "events" back then would now be handled by a hospital admission, many of them appropriate. Been there. Our doctors then were husband and wi...
by dm200
Mon Jul 16, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Where to get a $100 bill?
Replies: 49
Views: 4900

Re: Where to get a $100 bill?

I have seen a number of Wells Fargo ATM's that distribute $100's . They usually have it on the front (at least the ones I have seen). With Ally, there will be no fee to you for using a WF ATM. I have not seen that from any ATMs I use. All I see now are $20 bills from ATMs I use. Years ago, there wa...
by dm200
Mon Jul 16, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Where to get a $100 bill?
Replies: 49
Views: 4900

Re: Where to get a $100 bill?

stan1 wrote:
Sun Jul 15, 2018 9:14 pm
It's a reason among many to join your local credit union.
Yes -

Also, I suspect that most stores/merchants that do cash transactions would be happy to give you a hundred dollar bill for smaller change.
by dm200
Mon Jul 16, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30225

Re: Concierge medicine Worth It????

For the most part, the days are long gone when your PCP had time (and got paid) to leave his office and drive over to the hospital to see patients. Hospitalists have taken over this role which is generally much more efficient because they live in the hospital. I'm not sure how this would work in a ...
by dm200
Mon Jul 16, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30225

Re: Concierge medicine Worth It????

By the way, I believe the new Shingrix vaccine (2 part series) IS covered by Medicare. My folks and H both have Medicare. I believe there may be a $30 copay per injection as I paid that on my folks behalf per person before insurer said it was covered and I should be reimbursed and pharmacy reimburs...
by dm200
Sun Jul 15, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 58
Views: 7268

Re: Be Careful Using Mailboxes

munemaker wrote:
Sun Jul 15, 2018 3:43 pm
I keep my use of US Postal Service to the absolute minimum.
There are some reasons to use the USPS - Scam artists tend to shy away from using the Post office because of the penalties, etc. of using the US Mail.