Search found 15569 matches

by dm200
Tue Apr 24, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Used car dealer-Freight charge
Replies: 21
Views: 1206

Re: Used car dealer-Freight charge

Since you're looking at former rentals let me share something I read - it was on the Internet so it must be true. :wink: I read a post a while back from a guy who worked at one of the larger rental agencies for a long time. He stated the rental agencies keep the very best quality aged-out cars and ...
by dm200
Tue Apr 24, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Brokered CDs - often better return secondary market
Replies: 54
Views: 6036

Re: Brokered CDs - often better return secondary market

#1 - Maybe, but I thought it was not the banks selling on the secondary market. Or is it, sometimes? I don't know for sure. I bought some new issues a couple of weeks back and I still see the same CUSIP on the secondary market. I am assuming that the banks are selling the "unsold" portions on the s...
by dm200
Tue Apr 24, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: 37 yr old + UTMA + student loan = ???
Replies: 11
Views: 751

Re: 37 yr old + UTMA + student loan = ???

indexonlyplease wrote:
Tue Apr 24, 2018 4:27 pm
What is the advantage of not reinvesting the dividends automatically?
Keeps the record keeping for tax purposes simpler
by dm200
Tue Apr 24, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Retiring soon - health insurance planning Cal-COBRA
Replies: 17
Views: 1661

Re: Retiring soon - health insurance planning Cal-COBRA

We are going to be on COBRA for 10 more months. I wonder if we will be able to get Cal-COBRA once the COBRA benefits are exhausted since the former employer (a large company) was self-insured/self-funded? I don't think the employer would be required by law to offer Cal-COBRA in that circumstance. I...
by dm200
Tue Apr 24, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: 37 yr old + UTMA + student loan = ???
Replies: 11
Views: 751

Re: 37 yr old + UTMA + student loan = ???

So, for more than a decade, I've been filing a 1099-DIV for my UTMA, all the while thinking UTMA was a stock symbol (I know :oops: ). I am now 37 years old, and the UTMA has $15k in it. I am also living in a very expensive rental market (Bay area), and paying $170/month on a student loan that has a...
by dm200
Tue Apr 24, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: 37 yr old + UTMA + student loan = ???
Replies: 11
Views: 751

Re: 37 yr old + UTMA + student loan = ???

Well, this UTMA is just a taxable account at this point in time. As noted, it should have ben transferred relatively tax-free to you a long time ago and perhaps it was, but you didn't change the "name" in your mind at that time. So all the regular taxes that apply or don't apply to investments woul...
by dm200
Tue Apr 24, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 64
Views: 4339

Re: Selling a car: how to get paid?

I would be hesitant to accept cash depending on the state, especially if said states have aggressive asset forfeiture laws. It would be a real pity to receive several thousand in cash from the purchase, only to get pulled over for a speeding ticket on the way home and have the police take your mone...
by dm200
Tue Apr 24, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 64
Views: 4339

Re: Selling a car: how to get paid?

Getting the money and signing the title is not enough. It's critical to make sure the title is transferred to the buyer's name or someone would be driving a car with your name on it. TravelforFun Yes - BUT ... Many purchasers (depending on the details) will not buy a car if you require they retitle...
by dm200
Tue Apr 24, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Retiring soon - health insurance planning Cal-COBRA
Replies: 17
Views: 1661

Re: Retiring soon - health insurance planning Cal-COBRA

Details may vary - but I believe COBRA applies to self funded plans. Look to see if your employer plan (and therefore COBRA) offers choices (such as HMO) as well. Going with COBRA can sometimes be a good transition to individual plans (now ACA) but who knows the future? I don't know if this still ap...
by dm200
Tue Apr 24, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: Used car dealer-Freight charge
Replies: 21
Views: 1206

Re: Used car dealer-Freight charge

What type and price used cars does this place sell?
by dm200
Tue Apr 24, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: 37 yr old + UTMA + student loan = ???
Replies: 11
Views: 751

Re: 37 yr old + UTMA + student loan = ???

The first contact should be with the custodian. Unlike a UGMA, a UTMA requires the pro-active release of control by the custodian. Yes - it was the responsibility of the custodian to either spend (for your benefit) the funds or transfer them to you at the required age (for your state). Those ages r...
by dm200
Tue Apr 24, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Used car dealer-Freight charge
Replies: 21
Views: 1206

Re: Used car dealer-Freight charge

They are also adding a $900 certification fee I guess because the car goes through an inspection. This would normally include a 3 month warranty but because the car is from 2016 it still has coverage under the original warranty. So not sure about that fee either. What I thought was a really good pr...
by dm200
Tue Apr 24, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Used car dealer-Freight charge
Replies: 21
Views: 1206

Re: Used car dealer-Freight charge

I am looking to buy a car from a used car dealer and when I asked for an out the door price a freight charge of $600 was included. I would be picking up the car in person so it is not the cost of the car being shipped to me. When I asked what this was for they said "Our dealership has to ship vehic...
by dm200
Mon Apr 23, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance Agent
Replies: 7
Views: 354

Re: Disability Insurance Agent

Investing.Newbie wrote:
Mon Apr 23, 2018 1:16 pm
I'm self employed
If you are in a business or industry that has any professional associations or certifications, sometimes there policies issued to those in that business.
by dm200
Mon Apr 23, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Question charging smart phones
Replies: 17
Views: 1217

Question charging smart phones

Neither my wife nor I are smart phone experts. We each have (about 5 months old) Moto-4 smart phones. Does anyone know (or have a credible basis for) the best charging practices? I charge mine every night to 100%. I use mine for internet more than she does - and sometimes watch videos on Hulu. She i...
by dm200
Mon Apr 23, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Life Settlement - Term insurance
Replies: 12
Views: 695

Re: Life Settlement - Term insurance

Not new, pretty interesting industry. https://en.wikipedia.org/wiki/Viatical_settlement I remember reading about these when the AIDS epidemic was going on, as in that time AIDS was pretty much a death sentence. While some think Viatical settlements are morbid, I would think those early AIDS suffere...
by dm200
Mon Apr 23, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Need to cut the cable cord - is there an alternative?
Replies: 35
Views: 2301

Re: Need to cut the cable cord - is there an alternative?

Wish I could convince DW to cut the cable cord :( Does she have particular shows she wants to watch? A lot of resistance to change is not rational. My sisters pay over $300/month on cable bills (don't ask) and then end up watching old movies on youtube but I cannot convince them to cut the cable. T...
by dm200
Mon Apr 23, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Need to cut the cable cord - is there an alternative?
Replies: 35
Views: 2301

Re: Need to cut the cable cord - is there an alternative?

Wish I could convince DW to cut the cable cord :( Does she have particular shows she wants to watch? A lot of resistance to change is not rational. My sisters pay over $300/month on cable bills (don't ask) and then end up watching old movies on youtube but I cannot convince them to cut the cable. T...
by dm200
Mon Apr 23, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 64
Views: 3014

Re: AAA? What to do in car emergencies?

When my car did not start, I called AAA and they were able (at a very fair charge, in my opinion) to replace my old and dead battery with a new one on the spot. The truck carried a supply of various batteries such that one would fit most cars. There was another thread about AAA recently in which we...
by dm200
Mon Apr 23, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Need to cut the cable cord - is there an alternative?
Replies: 35
Views: 2301

Re: Need to cut the cable cord - is there an alternative?

I find this site (enter your zip code) useful for my next to the bed over the air TV

https://www.aol.com/video/guide/tv/

Wish I could convince DW to cut the cable cord :(
by dm200
Mon Apr 23, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Buying a home with water damage
Replies: 21
Views: 1630

Re: Buying a home with water damage

We are in a very HCOL. We saw a house, which was nice, but pricey. The house subsequently was taken off the market, so we figured it sold. Apparently, a month before closing, the second floor washer hose broke, leading to a flood of the house. Real estate agent said water was live for 8 hours. The ...
by dm200
Mon Apr 23, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Questions
Replies: 11
Views: 1545

Re: Mortgage Payoff Questions

Hi I had a quick question about mortgage payoff that the mortgage company couldn’t answer I owe roughly 100k on my mortgage loan and wish to pay this off When generating a loan payoff statement, the Aba number provided to me to wire the remaining funds routes to a different bank than the one listed...
by dm200
Mon Apr 23, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 109
Views: 6090

Re: Do you buy new or used cars?

I had an uncle (recently deceased at age 100) who (as long as I can remember back into the early 1950's) always bought a new car every two years. He and my aunt lived modestly - but that was a high priority for him. He also took excellent care for the cars. When one of his sons was old enough, the s...
by dm200
Mon Apr 23, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Shrub removal - Village/HOA permits needed?
Replies: 11
Views: 820

Re: Shrub removal - Village/HOA permits needed?

Do you want/intend to do this yourself - or hire someone?

If hiring someone, maybe they might know and follow the rules?
by dm200
Mon Apr 23, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Website will not allow sign out or log off? How to safely end session?
Replies: 15
Views: 1042

Re: Website will not allow sign out or log off? How to safely end session?

I'm not sure how to answer this question. My sister signed into an association website to order a course. Course order went through fine, but she cannot log off the account. I've seen her try and the sign out link simply doesn't work. She's using FireFox - privacy mode. It's a live link and it's be...
by dm200
Mon Apr 23, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: New car hit accident - loss of dimished value
Replies: 27
Views: 2145

Re: New car hit accident - loss of dimished value

One potential is that the paint may look like a good match now but in five years you will be able to see the difference. Find out how your insurance company and body shop will handle that. +1 My 2000 GMC truck was 1 month old and parked legally when a drunk wiped out the entire driver's side on his...
by dm200
Mon Apr 23, 2018 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage payment frequency - Monthly vs. Weekly
Replies: 15
Views: 1826

Re: Mortgage payment frequency - Monthly vs. Weekly

I am not sure what other lending companies do, but when I make an electronic transfer of funds to my mortgage company, it is applied immediately to pay down the principle of the loan. Maybe this is because I am ahead on my monthly payments. In my situation, I can make an epayment of $10 or $1000 an...
by dm200
Mon Apr 23, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 64
Views: 3014

Re: AAA? What to do in car emergencies?

We have, fortunately, never used our AAA when traveling. What experiences do others have? I believe these services are available all over the US?
by dm200
Mon Apr 23, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: DAF Suggested?
Replies: 13
Views: 836

Re: DAF Suggested?

Realizing that coming up with the lump sum may be difficult, there is another advantage once that is done. While those funds are in a daf, they are "invested" in something & any gains aren't taxable to you. So, even with something like a money market fund, there will be small gains. Over time, that...
by dm200
Mon Apr 23, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: DAF Suggested?
Replies: 13
Views: 836

Re: DAF Suggested?

Probably not applicable to OP, but the ability to make anonymous donations is a great way to fund what you believe are deserving organizations -- and not get on the mail/email/phone lists for more. I send $50-$100 a year, for example, to a very small rural church in my hometown where my, now decease...
by dm200
Mon Apr 23, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Car for 23 year old
Replies: 30
Views: 1857

Re: Car for 23 year old

Is it correct, then, that a very similar Lexus to a Toyota will have higher repair bills? Why? Not all parts are the same. It's simply supply and demand. More Toyota parts are made than Lexus parts and because of that scale, Toyota repair parts are less expensive. A Prius and the Lexus CT share the...
by dm200
Mon Apr 23, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 150
Views: 7789

Re: Need for Medicare supplemental plan?

"...A 2017 review by the U.S. Government Accountability Office, for example, found that in some Advantage plans, enrollees in poor health were substantially more likely to dump the plan than those in good health. A recent study by Brown University researchers found that Medicare Advantage enrollees...
by dm200
Sun Apr 22, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: DAF Suggested?
Replies: 13
Views: 836

Re: DAF Suggested?

A DAF might help if you have appreciated assets to donate and want to spread the "grants" over a regular series.

Another factor is that others can make donations to YOUR DAF - and you can request the grants.
by dm200
Sun Apr 22, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 109
Views: 6090

Re: Do you buy new or used cars?

Folks here seem to be moving is different directions. Some have purchased new during working years and used or older used in retirement (like DW and I).

Others bought used during working years - then decided new in retirement.
by dm200
Sun Apr 22, 2018 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning for Health Care Costs
Replies: 22
Views: 2016

Re: Retirement Planning for Health Care Costs

In my opinion, the best way to reduce healthcare costs in retirement is to be and stay healthy. Maintain healthful body weight, eat healthful things, avoid tobacco and alcohol, regular exercise. Eat whole food plant based diet - for the rest of your life (hope is long) That may reduce the amount of...
by dm200
Sun Apr 22, 2018 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning for Health Care Costs
Replies: 22
Views: 2016

Re: Retirement Planning for Health Care Costs

In my opinion, the best way to reduce healthcare costs in retirement is to be and stay healthy. Maintain healthful body weight, eat healthful things, avoid tobacco and alcohol, regular exercise. Eat whole food plant based diet - for the rest of your life (hope is long) That may reduce the amount of...
by dm200
Sun Apr 22, 2018 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning for Health Care Costs
Replies: 22
Views: 2016

Re: Retirement Planning for Health Care Costs

Medicare does not cover dental, vision or hearing. Determine what your current expenses are for those areas of health care.
Some Medicare Advantage plans, to a small degree, may address some of these. Ours does - vision and dental. Not sure about hearing.
by dm200
Sun Apr 22, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: New car hit accident - loss of dimished value
Replies: 27
Views: 2145

Re: New car hit accident - loss of dimished value

No experience - BUT I see a lot of advertising by some car insurance company (cannot recall which one) that for damages - they claim they give you the value of a similar car with a lot fewer miles or, perhaps, a later model year. Sounds too good to be true OR (maybe) that is an added cost "option" ;)
by dm200
Sun Apr 22, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: Car driver's power window - problem - ideas?
Replies: 13
Views: 876

Re: Car driver's power window - problem - ideas?

It might be that the window is binding in it's track. The system senses high load on the motor and cuts out for safety. I suggest you try to manually help the window move when it quits to see if this is the issue. Thanks - I will try that on a nice, spring day. [Of course, I say that and then it wi...
by dm200
Sun Apr 22, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: Car driver's power window - problem - ideas?
Replies: 13
Views: 876

Re: Car driver's power window - problem - ideas?

Had a similar problem with a 12 year old Corolla. I replaced the switch on the driver door with one I found on Amazon, that didn't solve the problem so I returned the switch to Amazon and got my money back with their return policy. I took the car into a local independent Toyota repair show and they...
by dm200
Sun Apr 22, 2018 3:21 pm
Forum: Investing - Theory, News & General
Topic: Why is the SEC yield the one that Vanguard displays?
Replies: 39
Views: 3646

Re: Why is the SEC yield the one that Vanguard displays?

Vanguard also displays the distribution yield . Go to performance then distribution then list
by dm200
Sun Apr 22, 2018 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Savings Account Options for Non-Profit Organization
Replies: 4
Views: 446

Re: Savings Account Options for Non-Profit Organization

Vanguard brokerage account and stick it in the Federal Money Market. Earns over 1.5%. Yes. - I manage investments for an organization and we have bond funds, mm fund and brokered CDs at vanguard - no problems. Just make sure the bylaws and policies of the organization allow what you do. Also check ...
by dm200
Sun Apr 22, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Car driver's power window - problem - ideas?
Replies: 13
Views: 876

Re: Car driver's power window - problem - ideas?

wilshuer wrote:
Sun Apr 22, 2018 1:31 pm
Perhaps the switch, wouldn't doubt if the contacts on the switch are worn.
My thoughts as well. Might make sense since the driver's window switch is used 99+% of the time vs other windows.
by dm200
Sun Apr 22, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Car driver's power window - problem - ideas?
Replies: 13
Views: 876

Car driver's power window - problem - ideas?

Our generally great 1998 Camry has an intermittent problem with the drivers power window. Occasionally, it stops part way doen - does nothing - then moves a little and, so far, eventually will close. Then, it is fine for a while. Last year, my wife had the motor (I think) replaced and it was fine fo...
by dm200
Sun Apr 22, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Need to cut the cable cord - is there an alternative?
Replies: 35
Views: 2301

Re: Need to cut the cable cord - is there an alternative?

Good alternatives to cable / satellite. YouTube TV - https://tv.youtube.com/welcome/ SlingTV - https://www.sling.com/ Playstation Vue - https://www.playstation.com/en-us/network/vue/ DirecTV Now - https://www.directvnow.com/ Hulu w/ Live TV - https://www.hulu.com/live-tv I researched a bit in the p...
by dm200
Sun Apr 22, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 64
Views: 3014

Re: AAA? What to do in car emergencies?

3,000 miles is severe overkill for most vehicles on the road today with normal (or even severe) service. Hyundai only recommends a short 5,000 mile interval between changes if there is a turbocharger. Otherwise 7,500+ miles is fine. The 3,000 mile recommendation is to boost profits of oil change pr...
by dm200
Sun Apr 22, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Need to cut the cable cord - is there an alternative?
Replies: 35
Views: 2301

Re: Need to cut the cable cord - is there an alternative?

Put up an antenna to get the local channels; if you have internet service, get a Roku for streaming services. You won’t get live sports channels such as ESPN, but I’ve been a Roku / antenna consumer for a number of years and haven’t really missed them. I have a small TV next to my side of the bed a...
by dm200
Sun Apr 22, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Renting from potential in-laws?
Replies: 10
Views: 807

Re: Renting from potential in-laws?

There may be zero problems renting from in-laws. However, do they really want to be landlords? I would answer that question first.. YOU might be "blamed" for things that are not your responsibility. Also sounds like marriage is down the road a while.. LOTS can happen on that long road.. [good and bad]
by dm200
Sun Apr 22, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Need to cut the cable cord - is there an alternative?
Replies: 35
Views: 2301

Re: Need to cut the cable cord - is there an alternative?

I cannot convince DW to cut the cable, BUT I notice a lot of over the air TV options. In addition, with our Sprint cell phone ervice, we get FREE hulu - both on the cell phones AND login with desktop/laptop to the internet. I actually like watching shows like Law and Order SVU in hulu becaue I can w...
by dm200
Sun Apr 22, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Family shared real estate purchase - how to best structure?
Replies: 20
Views: 1571

Re: Family shared real estate purchase - how to best structure?

Sounds like a potentially very complicated situation. We have a very expensive home on our street that has been vacant (fortunately very well maintained) for eight years since the elderly owners died. The house was left jointly to two adult children who have not been able to agree on when to sell t...