Search found 20141 matches

by dm200
Tue Jun 25, 2019 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Lease vs Buying a Car
Replies: 26
Views: 843

Re: Lease vs Buying a Car

Here is a credit union with an interesting "flex loan" for buying either new or late model used, BUT with a lease-like guaranteed "value" when the balloon payment is due. The interest rate is 1% (100 basis points) higher than a similar fully amortizing car loan of the same type. This might be the be...
by dm200
Tue Jun 25, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: Dental implant... almost done!
Replies: 17
Views: 793

Re: Dental implant... almost done!

Have one coming up later this year. The tooth was pulled about six weeks ago and the dentist put some kind of one buildup there. In November, if all goes according to plan, he will put in the implant base and do a mold for the crown. My dental insurance, unfortunately, does not cover implants - and...
by dm200
Tue Jun 25, 2019 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Lease vs Buying a Car
Replies: 26
Views: 843

Re: Lease vs Buying a Car

Another advantage for leasing is that the resale value of the vehicle is guaranteed. You don't need to worry about selling or trade it in and be ripped off.
True - BUT, in my opinion, you pay a price for this guarantee.
by dm200
Tue Jun 25, 2019 11:00 am
Forum: Personal Investments
Topic: Retired: Don't want to outlive my funds
Replies: 26
Views: 1393

Re: Retired: Don't want to outlive my funds

M.Lee: Welcome to the Bogleheads Forum! Circa 2000, I lost almost all my father's inheritance when I was invested with Merrill Lynch and their mutual funds. I do not want anyone handling my money and I hate mutual funds. Even more, I hate the idea of paying even one cent to someone to handle my mon...
by dm200
Tue Jun 25, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Dental implant... almost done!
Replies: 17
Views: 793

Re: Dental implant... almost done!

I'm missing one tooth. I've thought about having an implant done. I might instead just live with a missing tooth. I had to have it removed about a year ago. Honestly I do no miss it much. I can afford to have it done, and I'm sure the oral surgeon would like another ski trip. I just don't think it ...
by dm200
Tue Jun 25, 2019 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Tenant identity theft issue on lease
Replies: 28
Views: 2277

Re: Tenant identity theft issue on lease

Yes. Good points. It looks like you had a great arrangement. And addendum to the lease agreement can be structured like this. I had a similar addendum and used it that way. Authorized residents were on it, and so forth. Every loophole was closed. I worked with several law firms to customize what wa...
by dm200
Tue Jun 25, 2019 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Tenant identity theft issue on lease
Replies: 28
Views: 2277

Re: Tenant identity theft issue on lease

We had an "experience" in this house sharing where not having all the folks on the lease was a "problem". One young man that was sharing the house, and paid regularly and was a good guy - "disappeared" - and we did not see him for a while. We did not have things like emergency contacts, etc. Finally...
by dm200
Tue Jun 25, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Lease vs Buying a Car
Replies: 26
Views: 843

Re: Lease vs Buying a Car

Every time people make blanket statements like "lease is always more expensive" you know they don't know what they are talking about. Sometimes buying is better, sometimes leasing is better, it all depends on the circumstances and on the deal you can get. I suggest you read up on leasehackr forum a...
by dm200
Tue Jun 25, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: Dental implant... almost done!
Replies: 17
Views: 793

Re: Dental implant... almost done!

Have one coming up later this year. The tooth was pulled about six weeks ago and the dentist put some kind of one buildup there. In November, if all goes according to plan, he will put in the implant base and do a mold for the crown. My dental insurance, unfortunately, does not cover implants - and ...
by dm200
Tue Jun 25, 2019 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Lease vs Buying a Car
Replies: 26
Views: 843

Re: Lease vs Buying a Car

I have always bought my vehicles. Looking for folks opinions on buying vs leasing vehicles? Also, are there used vehicle leases or just new? Is the instant decline of value of a new car priced into a new car lease price? Thanks for any help! Except for some cases where leased vehicle is used primar...
by dm200
Tue Jun 25, 2019 10:08 am
Forum: Personal Investments
Topic: Retired: Don't want to outlive my funds
Replies: 26
Views: 1393

Re: Retired: Don't want to outlive my funds

Owning a home can help with this goal - it can keep housing expenses fairly flat over a long period. Check to see of senior homeowners in your jurisdiction can qualify for any type of real estate tax deferral or exemption. Our jurisdiction has a generous program. I run into many folks who do not kno...
by dm200
Tue Jun 25, 2019 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Tenant identity theft issue on lease
Replies: 28
Views: 2277

Re: Tenant identity theft issue on lease

In my state, the standard lease document has a place for tenant signature and a witness signature. I'm assuming your lease does not have that. Lesson learned here. I have been renting out for about 9 years and first time, I have seen this type of issue. In future, I plan to ask for copy of driver l...
by dm200
Tue Jun 25, 2019 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Which Fed Employee Health Insurance Plan?
Replies: 26
Views: 1488

Re: Which Fed Employee Health Insurance Plan?

Boglehead "logic" might not always be consistent with family harmony! While we all might agree that a lower premium will, almost certainly, come out ahead financially - despite having to pay more in case of illness, injury, etc., one's spouse might not be happy when there is a need to pay quite a bi...
by dm200
Tue Jun 25, 2019 9:37 am
Forum: Personal Investments
Topic: Retired: Don't want to outlive my funds
Replies: 26
Views: 1393

Re: Retired: Don't want to outlive my funds

Get married to the right (financially) person!
by dm200
Tue Jun 25, 2019 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Which Fed Employee Health Insurance Plan?
Replies: 26
Views: 1488

Re: Which Fed Employee Health Insurance Plan?

An "observation" that past low health/medical expenses is no guarantee of future such expenses. "Risk Management" is also an important factor. For young healthy families with an emergency fund it may well be that an HDHP or a low premium policy such as BCBS Focus works fine. Would I go on BCBS Focu...
by dm200
Tue Jun 25, 2019 9:01 am
Forum: Investing - Theory, News & General
Topic: Donate stock
Replies: 10
Views: 451

Re: Donate stock

Just open a Donor Advised Fund at Fidelity and donate at least $5,000 of appreciated stock to the Fidelity account. Fidelity will immediately sell the stock and you then direct them to donate whatever amount of cash you want to give to the charity. There are advantages to donating to a DAF and have...
by dm200
Tue Jun 25, 2019 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Which Fed Employee Health Insurance Plan?
Replies: 26
Views: 1488

Re: Which Fed Employee Health Insurance Plan?

An "observation" that past low health/medical expenses is no guarantee of future such expenses. "Risk Management" is also an important factor.
by dm200
Mon Jun 24, 2019 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant identity theft issue on lease
Replies: 28
Views: 2277

Re: Tenant identity theft issue on lease

Others may give opinions, but - even if the mother's credit worthiness was fine - I would insist that all adult residents sign the lease. There are many more issues to a lease than being responsible for the rent. BUT - even if she did not sign the lease, I suppose the daughter might want to take int...
by dm200
Mon Jun 24, 2019 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Tenant identity theft issue on lease
Replies: 28
Views: 2277

Re: Tenant identity theft issue on lease

a bit confusing, so they are already tenants? as you said they just sent back the lease (?)...but then you said there is rent delinquency which means they are already renting from you? To me, sounds like the mother is already the tenant - and daughters signature necessary because of the less than s...
by dm200
Mon Jun 24, 2019 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Tenant identity theft issue on lease
Replies: 28
Views: 2277

Re: Tenant identity theft issue on lease

As a landlord, I had requested SSN, Credit reports from tenants (mother & daughter). Lease had both mother and daughter's names and mother sent lease back with both signatures. I am dealing with rent delinquency and daughter is indicating that it is not her signature on the lease document. Any sugg...
by dm200
Mon Jun 24, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: Prius vs Prius Prime (plug-in)
Replies: 78
Views: 4121

Re: Prius vs Prius Prime (plug-in)

We shall see, but I just don't see the pure EVs taking over from hybrid or hybrid plug-ins.

A great many folks do not have the plug-in capability or their needed convenience.

In this area, I see a lot of the Prius - old, new, various models. Hybrids seem very popular.
by dm200
Mon Jun 24, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: Prius vs Prius Prime (plug-in)
Replies: 78
Views: 4121

Re: Prius vs Prius Prime (plug-in)

While I doubt we would go all electric, we might go with a hybrid plug in combination. For such plug-ins, what are the options and costs for the home charging? We do have a regular outlet near our driveway. For most people a regular outlet is fine for a plug-in hybrid, so long as you can leave it c...
by dm200
Mon Jun 24, 2019 9:19 am
Forum: Personal Investments
Topic: Borrowing from 401K to invest...
Replies: 10
Views: 793

Re: Borrowing from 401K to invest...

Thanks all for the input. Reading the feedback, it's obvious to me for most who replied, this is not a very good use of my time. Although, my intent wasn't to make these moves just to get out of the fee's in the 401K. I would agree there are probably better ways of spending my time. Thanks again fo...
by dm200
Mon Jun 24, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: Prius vs Prius Prime (plug-in)
Replies: 78
Views: 4121

Re: Prius vs Prius Prime (plug-in)

While I doubt we would go all electric, we might go with a hybrid plug in combination.

For such plug-ins, what are the options and costs for the home charging? We do have a regular outlet near our driveway.
by dm200
Mon Jun 24, 2019 8:14 am
Forum: Investing - Theory, News & General
Topic: what is N/A debt to equity ratio?
Replies: 6
Views: 456

Re: what is N/A debt to equity ratio?

JoeRetire wrote:
Mon Jun 24, 2019 5:59 am
N/A means Not Available.

Try another source for your data.
or Not Applicable, perhaps
by dm200
Mon Jun 24, 2019 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Which Fed Employee Health Insurance Plan?
Replies: 26
Views: 1488

Re: Which Fed Employee Health Insurance Plan?

travelogue wrote:
Sun Jun 23, 2019 5:58 pm
We find Kaiser to offer a good value if that’s available in your area.
Not a Fed - but a big Kaiser fan as well.
by dm200
Sat Jun 22, 2019 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal or cheap?
Replies: 104
Views: 7771

Re: Frugal or cheap?

Wife and I have steady stable income of 235k combined. We are 32 and were diligent to pay off our 180k home in 6 years. We have been working for 9 years and have 430k in retirement accounts and 180k in a brokerage account. Wife wants to do a 100k addition to our home. I am struggling to spend as we...
by dm200
Sat Jun 22, 2019 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Purchase Life Insurance For Adult Child?
Replies: 12
Views: 998

Re: Purchase Life Insurance For Adult Child?

student wrote:
Sat Jun 22, 2019 2:51 pm
Who will be the beneficiary? I would not put the SIL as beneficiary on your daughter policy.
Neither would I..
by dm200
Sat Jun 22, 2019 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: One Medical as Primary Care Provider
Replies: 14
Views: 1140

Re: One Medical as Primary Care Provider

I'm curious if anyone is using One Medical as a primary care provider. They are a tech focused concierge service with a $199/year fee which gets same day or next day appointments, greater effort to stay on schedule for appointments, website, and video medicine. I like my current internist but it ta...
by dm200
Sat Jun 22, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 4341

Re: Do you Casino? What do you play? Have you won?

I visit my favorite casino once a month. They comp my room, so I am saving $320 for a two night stay. I play the slots and the ponies (trotters/pacers). In the last year, the most I have lost in one visit is $240. The most I have won is $110. They have a couple of very nice restaurants, and since I...
by dm200
Sat Jun 22, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Purchase Life Insurance For Adult Child?
Replies: 12
Views: 998

Re: Purchase Life Insurance For Adult Child?

If you buy such life insurance, I would keep "ownership" of the policies so only you can change beneficiaries. While your concerns about the SIL and his attention to financial details may be very valid, I would not bring that up in the discussions - family "harmony". Focus on the overall and long te...
by dm200
Sat Jun 22, 2019 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: One Medical as Primary Care Provider
Replies: 14
Views: 1140

Re: One Medical as Primary Care Provider

I'm curious if anyone is using One Medical as a primary care provider. They are a tech focused concierge service with a $199/year fee which gets same day or next day appointments, greater effort to stay on schedule for appointments, website, and video medicine. I like my current internist but it ta...
by dm200
Sat Jun 22, 2019 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Purchase Life Insurance For Adult Child?
Replies: 12
Views: 998

Re: Purchase Life Insurance For Adult Child?

My daughter is in her mid thirties with 3 children under age 8. She earns around $60K and has a life insurance policy thru her employment that she says is about $600K. Her husband is self employed. I really don't know what he earns, but it's variable and he says is also around $60K. He "says" he ha...
by dm200
Sat Jun 22, 2019 2:14 pm
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 4341

Re: Do you Casino? What do you play? Have you won?

I visit my favorite casino once a month. They comp my room, so I am saving $320 for a two night stay. I play the slots and the ponies (trotters/pacers). In the last year, the most I have lost in one visit is $240. The most I have won is $110. They have a couple of very nice restaurants, and since I...
by dm200
Sat Jun 22, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: Anything you wish you had spent money on when you were younger?
Replies: 73
Views: 7080

Re: Anything you wish you had spent money on when you were younger?

Maybe on dating a woman who would have made an outstanding wife! Or, perhaps for more immediate "benefits".

Then again, the downside might have been that she would have been unhappy at my "boglehead" ways!
by dm200
Sat Jun 22, 2019 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Minimizing financial risk in case of disability
Replies: 12
Views: 1056

Re: Minimizing financial risk in case of disability

Most credit unions, today, offer disability and life insurance on loans - at a modest cost. If working and under a certain age (such as 66 for disability and 70 for life) choosing this insurance can reduce such risk.
by dm200
Sat Jun 22, 2019 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: For those who tip valet and/or dog kennel
Replies: 11
Views: 1211

Re: For those who tip valet and/or dog kennel

7eight9 wrote:
Sat Jun 22, 2019 1:18 pm
Per The Emily Post Institute:
Valet: $2-$5. Tip when the car is returned to you.
https://emilypost.com/advice/general-tipping-guide/
No advice regarding kennels.
It has been a long time since I used valet parking - cannot remember the details.
by dm200
Sat Jun 22, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 4341

Re: Do you Casino? What do you play? Have you won?

Just wondering who visits casinos, what you play, and if you've won (or lost) any sizeable amount. I only go when we're cruising, which we did not long ago. I only play blackjack because I feel like I'm making some decisions about what's happening. My limit is one visit per cruise, max $40 playing ...
by dm200
Sat Jun 22, 2019 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: How to ensure POA is acting in best interest of grantor?
Replies: 65
Views: 3457

Re: How to ensure POA is acting in best interest of grantor?

sandramjet wrote:
Fri Jun 21, 2019 5:50 pm
Thanks for the inputs
Will update when I get info from lawyer
Good Luck - heading into a "challenging" (for many reasons) situation!!
by dm200
Sat Jun 22, 2019 1:39 pm
Forum: Personal Consumer Issues
Topic: Tree stump, can't use a stump grinder. Solution?
Replies: 64
Views: 5352

Re: Tree stump, cant use a stump grinder. Solution?

My method of choice is a pulaski fire axe and a few hour workout. A friend once recounted a story about a large stump removed in an afternoon by a couple of Cambodian refugees with nothing but machetes. It was the way they had always done it. Yes !! So often, today, we discount "low tech" solutions...
by dm200
Sat Jun 22, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: Tree stump, can't use a stump grinder. Solution?
Replies: 64
Views: 5352

Re: Tree stump, can't use a stump grinder. Solution?

Cut it off as flush as you can to the ground. Drill some holes in it, and then move on and forget about it for a couple years. Let nature take its course. I don't dump roundup or root rot in...don't really want the soil poisoned or pets getting into it. I'm a glutton for punishment so I've taken an...
by dm200
Fri Jun 21, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to ensure POA is acting in best interest of grantor?
Replies: 65
Views: 3457

Re: How to ensure POA is acting in best interest of grantor?

What you (as the grantor) can also do is execute the POA document for someone to act for you, but do not give the document to that person right away. Would you allow the nominee to at least read the POA document prior to them agreeing to serve? Assuming incapacitation (which I'm guessing is the mos...
by dm200
Fri Jun 21, 2019 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Finding family health insurance before 65 (individual, not group)
Replies: 15
Views: 739

Re: Finding family health insurance before 65 (individual, not group)

I'm going to go the consultant route and see how that goes. My field is very specialized, and there's more work available than I care to do. The position I'm leaving has been very demanding and taken away from family time and pursuit of personal interests. I aim to change those things. As I've watc...
by dm200
Fri Jun 21, 2019 12:52 pm
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 90
Views: 4999

Re: How to avoid high vet bills?

Think the vet bills, as part of your charity contributions, you pay the vets, the office admins, etc. to have some compensation to maintain their life. You help a small business in the community and you get some services for your pet as well. Also see $250 yearly as part of your passion, leisure, e...
by dm200
Fri Jun 21, 2019 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Finding family health insurance before 65 (individual, not group)
Replies: 15
Views: 739

Re: Finding family health insurance before 65 (individual, not group)

I'm going to go the consultant route and see how that goes. My field is very specialized, and there's more work available than I care to do. The position I'm leaving has been very demanding and taken away from family time and pursuit of personal interests. I aim to change those things. As I've watc...
by dm200
Fri Jun 21, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: Tree stump, can't use a stump grinder. Solution?
Replies: 64
Views: 5352

Re: Tree stump, can't use a stump grinder. Solution?

FinancialRookie wrote:
Fri Jun 21, 2019 8:49 am
I would recommend burning with hot coals. However, check with your local health department first to make sure you do not need a burn permit. All jurisdictions are different, a phone call could save you a ticket or a fire engine showing up because a nosy neighbor called.
Yes!!
by dm200
Fri Jun 21, 2019 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Access to joint accounts at spouse’s death
Replies: 31
Views: 2450

Re: Access to joint accounts at spouse’s death

Access to joint accounts at spouse’s death? In some states, a safety deposit box is sealed as soon as bank receives notice of an owner's death. Joint owners and other signators are locked out. When my father died quite suddenly, a friendly bank CSR called my mother and told her to go immediately to...
by dm200
Fri Jun 21, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Finding family health insurance before 65 (individual, not group)
Replies: 15
Views: 739

Re: Finding family health insurance before 65 (individual, not group)

I'm going to go the consultant route and see how that goes. My field is very specialized, and there's more work available than I care to do. The position I'm leaving has been very demanding and taken away from family time and pursuit of personal interests. I aim to change those things. As I've watc...
by dm200
Fri Jun 21, 2019 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Access to joint accounts at spouse’s death
Replies: 31
Views: 2450

Re: Access to joint accounts at spouse’s death

For savings, checking, etc. accounts - step up at death or not is not an issue.
by dm200
Fri Jun 21, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Finding family health insurance before 65 (individual, not group)
Replies: 15
Views: 739

Re: Finding family health insurance before 65 (individual, not group)

I am voluntarily leaving the corporation. 50 years of age. It's a small corporation so supposedly I can only stay on the group health insurance plan through October of this year. Initially, I don't believe I will qualify for any subsidies based on income, but certainly could in the future if I orga...