Search found 18205 matches

by dm200
Fri Oct 19, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Health Care Options for 26 year old
Replies: 28
Views: 1074

Re: Health Care Options for 26 year old

As mnnice and dodecahedron noted, Medicaid will likely be the best option. New Jersey is an expansion state and residence and monthly income determines eligibility, not place of school or work. She could contact them now, and find out when she needs to apply. Some schools have student medical progr...
by dm200
Fri Oct 19, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Health Care Options for 26 year old
Replies: 28
Views: 1074

Re: Health Care Options for 26 year old

As mnnice and dodecahedron noted, Medicaid will likely be the best option. New Jersey is an expansion state and residence and monthly income determines eligibility, not place of school or work. She could contact them now, and find out when she needs to apply. Some schools have student medical progr...
by dm200
Fri Oct 19, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Depositing Cash if it was gifted?
Replies: 78
Views: 2979

Re: Depositing Cash if it was gifted?

There's a difference between a CTR (Currency Transaction Report) and a SAR (Suspicious Activity Report). Neither of these go to the IRS as far as I know. A CTR is filed anytime there is more than $10K in cash transacted. I'd bet nearly every medium to large car dealer in the country generates multi...
by dm200
Fri Oct 19, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 51
Views: 5114

Re: Jury duty - already booked vacation

Last year my wife was called to local jury duty and federal jury duty within the same month.

As it turned out, for both jurisdictions, there were no trials that actually happened and she did not need to serve at all.
by dm200
Fri Oct 19, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Depositing Cash if it was gifted?
Replies: 78
Views: 2979

Re: Depositing Cash if it was gifted?

It seems the banks (laws?) are getting stricter. My bank has a stack of notices on the counter that they will soon start requiring identification for a cash deposit of any amount. Yes - there is one credit card we pay in cash at a bank branch. The amounts due are in the $100 - $200 range. In the la...
by dm200
Fri Oct 19, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Depositing Cash if it was gifted?
Replies: 78
Views: 2979

Re: Depositing Cash if it was gifted?

Whatever you decide to do -- DO NOT even attempt to avoid the CTR reporting by financial institutions of deposits of over $10,000.
by dm200
Fri Oct 19, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: How important is registered mail for important documents?
Replies: 11
Views: 326

Re: How important is registered mail for important documents?

I usually send important things by "certified" mail - with return receipt. Then, I get the card back with a signature of someone receiving it. Less costly than registered.
by dm200
Thu Oct 18, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 93
Views: 3858

Re: When to change tires; and what brand

I just looked up the minimum to pass Virginia safety inspection: When measured in any two adjacent major tread grooves where the tread is thinnest, at three equally spaced intervals around the circumference of the tire and exclusive of "tiebars" by a tread depth gauge calibrated in thirty-seconds of...
by dm200
Thu Oct 18, 2018 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Health Care Options for 26 year old
Replies: 28
Views: 1074

Re: Health Care Options for 26 year old

One other question regarding her 403b and pension. Since she is not vested in her pension she can do a direct rollover to an IRA. She can do the same with her 403b. Can those two amounts be co-mingled in the same IRA or should they go in separate IRAs (they are both pre-tax). Thank you. Is there an...
by dm200
Thu Oct 18, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Helping out with early onset Alzheimer's
Replies: 15
Views: 1620

Re: Helping out with early onset Alzheimer's

But while I think optimism is good, in terms of setting expectations, I disagree with the part about promising new treatments for Alzheimer's. The track record of treatments for this disease is dismal. Basically, failure after failure. Right now, we have nothing, and I do mean nothing. There has be...
by dm200
Thu Oct 18, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Health Care Options for 26 year old
Replies: 28
Views: 1074

Re: Health Care Options for 26 year old

Meet and marry a Doctor - with family benefits ;)
by dm200
Thu Oct 18, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 93
Views: 3858

Re: When to change tires; and what brand

For whatever reason I have 28 pounds on all four tires but in rechecking them about 3 weeks later they all gap to 37,33,33,and 31. Why and what can I do to keep them from going up. I could understand losing tire pressure but going up has got me confused. Warmer temperature (of the tires) than when ...
by dm200
Thu Oct 18, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 93
Views: 3858

Re: When to change tires; and what brand

Thanks all. A few of you commented on the reliability of tires as they wear. I am all for being safe. But practically speaking, do you know of anyone you know who had a mishap with tires being too work out ? I have driven 350,000 miles among my cars and only once has a tire blown out when I was dri...
by dm200
Thu Oct 18, 2018 5:24 pm
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 51
Views: 5114

Re: Jury duty - already booked vacation

Perhaps the summons was lost in the mail and you didn't receive it.....? I knew a guy who that happened to for 30 years! Dave Yeah... DON'T do that. Some jurisdictions will issue a bench warrant for failure to respond which could get you arrested next time you cross paths with law inforcement such ...
by dm200
Thu Oct 18, 2018 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Health Care Options for 26 year old
Replies: 28
Views: 1074

Re: Health Care Options for 26 year old

yankeefan4065 wrote:
Thu Oct 18, 2018 5:10 pm
I will definitely suggest contacting the school.....didn’t even think of that
Thanks!
Maybe a "nursing school" has connections to a good deal.
by dm200
Thu Oct 18, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 93
Views: 3858

Re: When to change tires; and what brand

Once my tires reach 4/32 I start looking for costco deals..... I have a odyssey minivan and never get the 80K touted on Michelin Defender. More like 35K. Even the Costco tire person said that with heavy vehicle like odyssey you will never get to 80k. I think I even saw Defenders with mileage of 90K.
by dm200
Thu Oct 18, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 93
Views: 3858

Re: When to change tires; and what brand

I go back to when most auto tires were "bias ply" (before radials). Going to radial tires was a huge improvement - including all weather types that mostly eliminated the need for snow tires in winter - along with the advent of front wheel drive vehicles.
by dm200
Thu Oct 18, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Health Care Options for 26 year old
Replies: 28
Views: 1074

Re: Health Care Options for 26 year old

Thanks so much for responding.....her schooling should last from May 2019-June 2020 OK - as I suspected, a relatively short time. Not sure about ACA eligibility and subsidies - but maybe - since she will have significant income in both 2019 and 2020. Others may have some knowledge or views. This ti...
by dm200
Thu Oct 18, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Health Care Options for 26 year old
Replies: 28
Views: 1074

Re: Health Care Options for 26 year old

However, as I understand it she would have to pay her entire premium plus an administrative fee. Is this correct? Yes. I believe the maximum admin fee is 2%, but not all employers add that to COBRA. Usually (but not always) employer coverage last until end of month. She should verify. Not sure if b...
by dm200
Thu Oct 18, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 51
Views: 5114

Re: Jury duty - already booked vacation

I've been on several juries and always enjoyed it, especially the attempted murder case. I had a boss in the past who told me to throw my jury summons in the trash, which of course I refused to do. He said he always threw his away, and I informed him that if he was ever stopped by a traffic cop he ...
by dm200
Thu Oct 18, 2018 3:11 pm
Forum: Investing - Theory, News & General
Topic: Sin as investment strategy
Replies: 26
Views: 3466

Re: Sin as investment strategy

Over the decades, the tobacco stocks had been among the most profitable investments.
by dm200
Thu Oct 18, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: unlicensed repair guy possibly spent our material deposit
Replies: 25
Views: 2632

Re: unlicensed repair guy possibly spent our material deposit

Depending on the nature of the contractor and the applicable state and local rules, being "licensed" may not be necessary (or even available) in some jurisdictions.
by dm200
Thu Oct 18, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Helping out with early onset Alzheimer's
Replies: 15
Views: 1620

Re: Helping out with early onset Alzheimer's

I would question keeping a house at this time. It might be better to move in the next year or two while they are still competent and get used to a nice apartment/condo in a senior living center that has a memory care facility and reduce the amount of balls in the air (mortgage/maintenance/property ...
by dm200
Thu Oct 18, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Local review of Truecar
Replies: 8
Views: 837

Re: Local review of Truecar

I’ve shopped on their site casually, but we won’t be planning to buy a vehicle for several more months. My wife’s current vehicle will do just fine until there is a second child in the picture. To me they are just another resource like autotrader and other national sources like them. To me that art...
by dm200
Thu Oct 18, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Budget for post-65 health/dental/vision/hearing
Replies: 10
Views: 889

Re: Budget for post-65 health/dental/vision/hearing

My wife and I are both on a Kaiser Medicare plan. We each pay $134 for Medicare part B and $30/month to Kaiser. in 2019, our primary care office visit copay is actually going down from $20 to $10, while we will pay more to Kaiser in 2019 ($36 per month) and more to part B ($135.50). Our plan include...
by dm200
Thu Oct 18, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 93
Views: 3858

Re: When to change tires; and what brand

I just read the most recent Consumer Reports on tires - and the Michelin Defenders were again check rated in their category. :happy While you can often save at Costco with their periodic discount if you buy four tires, I don't think (for us) it makes financial sense to replace two other tires with a...
by dm200
Thu Oct 18, 2018 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: "Breaking" a CD: On a Specific Date ??
Replies: 12
Views: 753

Re: "Breaking" a CD: On a Specific Date ??

I believe it varies. From my calculations, Ally Bank seems to base the EWP on simple interest (i.e., not compounded). It doesn't make a huge difference, especially at low rates. Yes. One credit union discloses a 90 day dividend(interest) penalty - and it is calculated as (90 days x rate x amount)/365
by dm200
Thu Oct 18, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 48
Views: 4026

Re: Best way to complain about Hertz bait-and-switch?

Here's a secret - rental car companies are a mess. I did a few years as a consultant and IT - fleet management in particular - was always a disaster compared to other industries. It's a slowly shrinking market due to disruption from competitors like Uber/Lyft and Zipcar and the best minds have long...
by dm200
Thu Oct 18, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 48
Views: 4026

Re: Best way to complain about Hertz bait-and-switch?

No rental expert, but I never recall reserving a specific make and model car - always was a class or category of car. I think this is the magical "or similar" language. A quick look at the Hertz website does show that one can reserve an Infiniti QX 70 "or similar" (which is listed as category W4) a...
by dm200
Thu Oct 18, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Helping out with early onset Alzheimer's
Replies: 15
Views: 1620

Re: Helping out with early onset Alzheimer's

I wouldn't incur a tax bill to pay off the mortgage. The house will probably need to be sold before long, unless a family member is willing to move in and become primary caregiver. Even then, paying off the house reduces liquidity which might become a problem. The family should talk to an elder car...
by dm200
Thu Oct 18, 2018 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Helping out with early onset Alzheimer's
Replies: 15
Views: 1620

Re: Helping out with early onset Alzheimer's

No expert - but I believe different folks can "progress" at very differing paces. One issue (get guidance from an attorney as well) is to have durable Powers of attorney all in place before the afflicted person can no longer be competent to do so.
by dm200
Thu Oct 18, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 48
Views: 4026

Re: Best way to complain about Hertz bait-and-switch?

Yesterday I flew into the Salt Lake City airport where I met my elderly father, uncle, and his wife as the first step of our vacation. My dad had reserved a car from Hertz, an Infiniti QX70. At the Hertz counter the clerk gave us the standard upsell to a larger vehicle, a Land Rover Discovery for $...
by dm200
Thu Oct 18, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Can you include this in a will?
Replies: 12
Views: 1316

Re: Can you include this in a will?

There may also be other ways (consult an attorney) of reducing the risks of the will being challenged.
by dm200
Thu Oct 18, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Can you include this in a will?
Replies: 12
Views: 1316

Re: Can you include this in a will?

If you don’t want heirs fighting over your will, can you add a condition that any one who challenges it, forfeits their bequest? No actual knowledge or credentials, but I have heard of this. One specific recommendation I have heard of is where a partial or percentage beneficiary is a charity or rel...
by dm200
Thu Oct 18, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: unlicensed repair guy possibly spent our material deposit
Replies: 25
Views: 2632

Re: unlicensed repair guy possibly spent our material deposit

I had a fellow do concrete work for me. He completed it and it was a nice job. What I did not realize is he had not paid the concrete supplier . Wound up with a Mechanics lien on my home. I got a super crash course on Mechanic's liens. We called the contractor and his assistant told us he had been ...
by dm200
Thu Oct 18, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Local review of Truecar
Replies: 8
Views: 837

Re: Local review of Truecar

In this area, I have used ubs4cars.com several times - very pleased. One factor in getting value in new car is getting (and paying for) the exact one you want. These types of services can let you examine all the features, models and options at your own pace. Some desired options are often "bundled"...
by dm200
Thu Oct 18, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 93
Views: 3858

Re: When to change tires; and what brand

Curious 1. When do you guys change tires ? I know that tire tread depth is 8/32 mm for a brand new tire and 2/32 mm for a completely bald tire. The tire shops try to scare you into buying new tires even at 5/32 mm. I myself have been buying as soon as they dip below 3/32 mm. I bought a electronic t...
by dm200
Thu Oct 18, 2018 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: "Breaking" a CD: On a Specific Date ??
Replies: 12
Views: 753

Re: "Breaking" a CD: On a Specific Date ??

I guess that different institutions have varied penalties for breaking CDs of similar maturities? Do some institutions claw back principal as well as interest if a CD is "broken"? Yes. If the penalty is 6 months of interest and you break the CD after 3 months, they will take 3 months of interest ou...
by dm200
Thu Oct 18, 2018 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: "Breaking" a CD: On a Specific Date ??
Replies: 12
Views: 753

Re: "Breaking" a CD: On a Specific Date ??

I guess that different institutions have varied penalties for breaking CDs of similar maturities? Do some institutions claw back principal as well as interest if a CD is "broken"? Yes. If the penalty is 6 months of interest and you break the CD after 3 months, they will take 3 months of interest ou...
by dm200
Thu Oct 18, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: "Breaking" a CD: On a Specific Date ??
Replies: 12
Views: 753

Re: "Breaking" a CD: On a Specific Date ??

I guess that different institutions have varied penalties for breaking CDs of similar maturities? Do some institutions claw back principal as well as interest if a CD is "broken"? Yes. Some will limit the penalty to accrued or paid interest (not break into principal), while others will break into p...
by dm200
Thu Oct 18, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Local review of Truecar
Replies: 8
Views: 837

Re: Local review of Truecar

In this area, I have used ubs4cars.com several times - very pleased.

One factor in getting value in new car is getting (and paying for) the exact one you want. These types of services can let you examine all the features, models and options at your own pace.
by dm200
Wed Oct 17, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: unlicensed repair guy possibly spent our material deposit
Replies: 25
Views: 2632

Re: unlicensed repair guy possibly spent our material deposit

What could the OP have done differently to have avoided the problem? I believe there are many fine such folks, by the nature of the business, that are faced with cash flow challenges. Maybe (?) the OP could have purchased the needed material, but that might only work for some kinds of supplies/mater...
by dm200
Wed Oct 17, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Kaiser or CareFirst
Replies: 39
Views: 1953

Re: Kaiser or CareFirst

Yes - like so many different types of insurance and providers, I suspect that if there are ten Kaiser patients in the waiting room with you, each one may have a different plan and charges related to the visit.
by dm200
Wed Oct 17, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: Denied credit card with great credit
Replies: 17
Views: 1543

Re: Denied credit card with great credit

J295 wrote:
Wed Oct 17, 2018 6:15 pm
Can’t resist takeoff on the big cow comments… No disrespect at all intended towards OP or anyone else… Pigs get to eat, hogs get slaughtered.
Yes - and when it comes to milking a cow - there are probably a lot of NSFW things that could be posted... 8-)
by dm200
Wed Oct 17, 2018 6:14 pm
Forum: Personal Consumer Issues
Topic: Denied credit card with great credit
Replies: 17
Views: 1543

Re: Denied credit card with great credit

22twain wrote:
Wed Oct 17, 2018 5:21 pm
dknightd wrote:
Wed Oct 17, 2018 5:13 pm
Eventually even big cows run out of milk.
Or they kick you when you try to take too much. :wink:
Yes - from my days on the farm as a child, I was kicked a few times by a cow when milking her. :oops:
by dm200
Wed Oct 17, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: Denied credit card with great credit
Replies: 17
Views: 1543

Re: Denied credit card with great credit

My credit score is 780. I have never had a problem getting approved for a credit card until this week. I have six inquiries on my credit report from buying a house and opening 5 credit cards to pay for housing expenses. I always pay my balances off on credit cards ...I just like to get sign up bonu...
by dm200
Wed Oct 17, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 45
Views: 3522

Re: Not convinced with insurance

I have been reading about insurance this week, but I am not convinced. . . . My conclusion so far . . . No term until we get a kid. What do you think? OP, here's another Bogleheads thread-in-progress, providing one example of why it may be a good idea to start life insurance before you "get a kid" ...
by dm200
Wed Oct 17, 2018 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: "Breaking" a CD: On a Specific Date ??
Replies: 12
Views: 753

Re: "Breaking" a CD: On a Specific Date ??

Here is a federal credit union example. Note that credit union "dividends" are what credit unions call "interest". So, for this credit union, it would make sense to break the certificate/CD right after dividends/interest is posted. https://www.arlingtoncu.org/Content/Uploads/arlingtoncu.org/files/Di...