Search found 14455 matches

by dm200
Tue Jan 23, 2018 6:08 pm
Forum: Investing - Theory, News & General
Topic: Why hold total bond market fund when 7 year CDs yield more?
Replies: 21
Views: 2266

Re: Why hold total bond market fund when 7 year CDs yield more?

It is very possible that the TBM fund will yield more at the end of 7 years (reinvesting dividends) than the CD. My "guess" is that a higher return than the 2.75% is much more likely - but no guarantee.
by dm200
Tue Jan 23, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Article: 8 Frugal and Forgotten Ways Your Great-Grandparents Made It through Hard Times
Replies: 23
Views: 3488

Re: Article: 8 Frugal and Forgotten Ways Your Great-Grandparents Made It through Hard Times

Although my great-grandparents had servants who lived more lavishly than I do. I recall my paternal grandmother relating that, as a young teenager, she had to stop going to school work as some kind of household help for other families. This would have been in the early 1890's. Maybe she worked for ...
by dm200
Tue Jan 23, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 113
Views: 7737

Re: How to Minimize Your Emergency Care Expenses

Also, would love to have better web/mobile access to get and share my own info, but hipaa makes it difficult to get access to our own stuff. I don't understand why you cannot access your information? With our provider/plan, I have access to all kinds of my information. Providers/plans with an "advi...
by dm200
Tue Jan 23, 2018 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Buy house next door house as a rental?
Replies: 24
Views: 1303

Re: Buy house next door house as a rental?

I suspect that quite a few potential renters might not want the landlord next door.
by dm200
Tue Jan 23, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: Article: 8 Frugal and Forgotten Ways Your Great-Grandparents Made It through Hard Times
Replies: 23
Views: 3488

Re: Article: 8 Frugal and Forgotten Ways Your Great-Grandparents Made It through Hard Times

My parents grew up during the depression and their parents (I knew 3 of 4 grandparents very well) faced the financial challenges as parents of young children at the time.
by dm200
Tue Jan 23, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 54
Views: 3430

Re: Work-out schedule for those in 60s

I’m in my 50s, so my experiences may or may not be relevant to yours. I normally work out five days per week for a total of 9-10 hours; one of these hours is with a personal trainer and the rest Involve a variety of cardio and strength training group fitness classes, including two half-hour high in...
by dm200
Tue Jan 23, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Can You Say...Auto Insurance
Replies: 33
Views: 2237

Re: Can You Say...Auto Insurance

The last two items are correct. As an adjuster, medical payments coverage allowed me to resolve things without having to create bodily injury claims or establish negligence. For example, your dog bites your friend. Your friend goes to the hospital and just wants their bill paid or their deductible ...
by dm200
Tue Jan 23, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 114
Views: 9112

Re: What is the best home exercise equipment?

I bought a concept 2 ! I’ve been using it but even at the highest resistance I find it too easy. After 30 min of rowing I barely break sweat even though I get a somewhat pump in my arms. Anyone knows how to stiffen up the resistance ? Concept 2 rower (erg). Unbeatable single-equipment workout. I us...
by dm200
Tue Jan 23, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Can You Say...Auto Insurance
Replies: 33
Views: 2237

Re: Can You Say...Auto Insurance

If you get into a major collision, medical bills could easily eat up that $100,000 in coverage and then you will be threatened with paying the rest. JT Having high medical coverage on your auto policy is a waste of money if you have good primary medcial coverage. Not necessarily. The risks, in my o...
by dm200
Tue Jan 23, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 113
Views: 7737

Re: How to Minimize Your Emergency Care Expenses

On the topic of "incentives" (financial) - to limit healthcare costs because the patient has some "skin in the game" and will make rational choices - 1. On the surface, that makes a good deal of sense. In my opinion, it occasionally can work. Maybe you see your Primary Care Physician for something a...
by dm200
Tue Jan 23, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 54
Views: 3430

Re: Work-out schedule for those in 60s

It is a humorous read, written by a retired lawyer and his doctor who is trying to keep him in shape. His doctor died of cancer at age 58: https://www.nytimes.com/2017/03/14/books/henry-lodge-dead-co-author-younger-next-year.html Yes I saw that - Prostate Cancer. I saw that his father died two days...
by dm200
Tue Jan 23, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Elder Care Issue; Non-emergency assistance
Replies: 28
Views: 1346

Re: Elder Care Issue; Non-emergency assistance

How did firemen get into their house? Kicking down the door? OK, I have this one! OP said door was left open! Here is another way, if no one can open door. Many fire departments use a "Knox Box." Google "Knox Box". Or follow this link: https://www.knoxbox.com/ The "box" is mounted at the top of you...
by dm200
Mon Jan 22, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 113
Views: 7737

Re: How to Minimize Your Emergency Care Expenses

Getting "urgent" care is almost always lower cost than "emergency room" care. When researching and selecting a Primary Care physician or practice, I would ask about provisions for after hours needs. With some physicians, an "urgent care" facility (which might be charging as an ER) or the hospital ER...
by dm200
Mon Jan 22, 2018 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard New Issue Brokered CDs (again)
Replies: 5
Views: 617

Re: Vanguard New Issue Brokered CDs (again)

Regarding the FDIC limit - While persons/families have several ways to multiply the $250k FDIC (or NCUA) federal insurance, organizations do not. So, for example, the organization I manage (part time) must stay under the $250k per bank - so we occasionally cannot buy the highest rate CD available be...
by dm200
Mon Jan 22, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 54
Views: 3430

Re: Work-out schedule for those in 60s

Just curious, what is your weekly work-out routines for those in the 60s? For me--I just added weight training the last 3 months M: Cardio (40 mins) Stretch (15 mins) T: weight (30 mins), slow cardio (20mins) stretch (15 mi) W: Rest Th: Repeat Monday F: Repeat TuesdaySat: Rest Sun: Repeat Monday to...
by dm200
Mon Jan 22, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 54
Views: 3430

Re: Work-out schedule for those in 60s

I aim for almost every day, with some days more intense than others. My goals: 45 - 60 minutes almost every day aerobic exercise. Try to alternate days almost never doing the same things on consecutive days, 2 or 3 each day. These include: brisk walking, rowing machine, versaclimber (arms and legs),...
by dm200
Mon Jan 22, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Elder Care Issue; Non-emergency assistance
Replies: 28
Views: 1346

Re: Elder Care Issue; Non-emergency assistance

HueyLD wrote:
Mon Jan 22, 2018 4:05 pm
How did firemen get into their house? Kicking down the door?
I assume the other person in the house opened the door.
by dm200
Mon Jan 22, 2018 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard New Issue Brokered CDs (again)
Replies: 5
Views: 617

Re: Vanguard New Issue Brokered CDs (again)

I can't find an answer to this question so maybe someone can enlighten me? I'm looking at a new issue 12 month CD from Safra National Bank at a rate of 1.85%. But what I don't get is that there seems to be more interest in other banks that are offering 1.80% and less for the same terms, etc. Why wo...
by dm200
Mon Jan 22, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: Elder Care Issue; Non-emergency assistance
Replies: 28
Views: 1346

Re: Elder Care Issue; Non-emergency assistance

Although there are many kinds of risks/challenges - the one I think (for us) is most likely is that my wife falls or cannot get up - and I am unable to "lift" her because she is very overweight/obese. I believe there is a way of significantly lowering that specific risk -- BUT my opinion and view i...
by dm200
Mon Jan 22, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Elder Care Issue; Non-emergency assistance
Replies: 28
Views: 1346

Re: Elder Care Issue; Non-emergency assistance

My wife and I (as we age) face a similar challenge. In our lcality, although we have ever called, the fire department/EMT services are very quick and very capable of this kind os assistance. There are various kinds of community events where these department are exhibitors or have "open house: and I ...
by dm200
Mon Jan 22, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 83
Views: 6894

Re: Ancestry / 23andMe

save your money "My Grandmother Was Italian. Why Aren't My Genes Italian?" https://www.npr.org/sections/health-shots/2018/01/22/578293890/my-grandmother-was-italian-why-arent-my-genes-italian?utm_campaign=storyshare&utm_source=twitter.com&utm_medium=social Last fall, we sent away to get our DNA tes...
by dm200
Mon Jan 22, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 113
Views: 7737

Re: How to Minimize Your Emergency Care Expenses

Interesting differences when copays are paid. We have used HMOs, PPOs, EPNs over the years, and we have always paid the copay at time of the visit of PCD or specialist. In fact our copays are paid upon checking in with the receptionist, prior to seeing the doctor. Currently my copay for PCD is $5.0...
by dm200
Mon Jan 22, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Bankruptcy questions
Replies: 16
Views: 1334

Re: Bankruptcy questions

As someone who has practiced bankruptcy law for many years, the only advise I can give on a forum such as this is to advise your friend to consult with a competent attorney who specializes in consumer bankruptcy law. Many attorneys will offer a free or very inexpensive initial consultation. The att...
by dm200
Mon Jan 22, 2018 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Brokered CDs - Different brokers?
Replies: 15
Views: 1638

Re: Brokered CDs - Different brokers?

All good points. However, I don't think you have to call regarding different names and FDIC coverage. An FDIC# is displayed for each issue, so if you see two different issuer names with same FDIC#, then your holdings at them would be aggregated for FDIC-insurance purposes. Example: Searching on 5-y...
by dm200
Mon Jan 22, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 113
Views: 7737

Re: How to Minimize Your Emergency Care Expenses

In general, my insurer has a contract with providers that I am only supposed to pay the copay balance AFTER receiving EOB statement. As a practical matter, I will often offer to pay my regular fixed $15 copay for office visits to simplify things and reduce invoices sent to me. When visit is to a pr...
by dm200
Sun Jan 21, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance - Replacement Cost
Replies: 9
Views: 518

Re: Insurance - Replacement Cost

My home insurance dwelling coverage is currently at $270,600 (replacement cost). We are with State Farm (in Missouri) and have had this policy since we moved into the house 10 years ago, when it was first built. I was just wondering whether the replacement cost may be overstated. We purchased for $...
by dm200
Sat Jan 20, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 113
Views: 7737

Re: How to Minimize Your Emergency Care Expenses

The push seems to be expansion of expensive (to the patient and/or patient's insurance) care facilities. The large financial benefits of the providers seem to drive this. It would seem, though, that these insurance companies (in large and dense areas like where I live) could drive the costs down by ...
by dm200
Sat Jan 20, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 113
Views: 7737

Re: How to Minimize Your Emergency Care Expenses

Even when you (as a patient) try to do the right thing - it can be a huge challenge.
by dm200
Sat Jan 20, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 113
Views: 7737

Re: How to Minimize Your Emergency Care Expenses

I wonder if hospitals start to see a rush towards the end of the financial year with so many high deductible plans. Yes. I am a physician in a specialty where some treatments are "elective". Patients decide which year they want to get it done based on whether they have met the deductible or not. Ou...
by dm200
Sat Jan 20, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 113
Views: 7737

Re: How to Minimize Your Emergency Care Expenses

2. Be informed about what is an "emergency" and what is not. For example, be aware of situations you might encounter. 3. Do NOT hesitate to use an ER when life threatened, such as severe heart attack, severe loss of blood, ruptured aorta, etc. This is really hard to know in practice. Heart attacks ...
by dm200
Sat Jan 20, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Credit For Defaulter
Replies: 14
Views: 875

Re: Credit For Defaulter

I have not been in this specific situation, but this sounds like a situation in which a credit union may excel. In this scenario, I would expect a dealer to charge a predatory interest rate. As such, I'd plan to shop around a bit and see what kind of financing you can qualify for. Plug the interest...
by dm200
Sat Jan 20, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Credit For Defaulter
Replies: 14
Views: 875

Re: Credit For Defaulter

My niece recently got divorced and had a short-sale of her former home (with her husband). The first mortgage was fully satisfied but the second mortgage was defaulted upon, with agreement by the lender for the short sale. Anyway, I would like to help my niece get a new car. Perhaps a new Corolla o...
by dm200
Sat Jan 20, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 113
Views: 7737

Re: How to Minimize Your Emergency Care Expenses

We have been fortunate to have not experienced such high expenses. 1. Have knowledge of alternatives to the hospital ER. Investigate use of urgent care facilities. 2. Be informed about what is an "emergency" and what is not. For example, be aware of situations you might encounter. 3. Do NOT hesitate...
by dm200
Sat Jan 20, 2018 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Brokered CDs - Different brokers?
Replies: 15
Views: 1638

Re: Brokered CDs - Different brokers?

I would verify that whatever broker you use, that the CDs you buy are FDIC insured. I have never seen a non-FDIC-insured CD sold by a broker. Would be interested to hear if anyone else has. Kevin No, I have never seen offerings at Vanguard from non FDIC insured banks. It is, however, up to the buye...
by dm200
Sat Jan 20, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Brokered CDs - often better return secondary market
Replies: 48
Views: 5093

Re: Brokered CDs - often better return secondary market

This is a continuing puzzle (to me) I presume your "puzzle" is why secondary brokered CDs are often better than the primary issue? If that is your question, I have several answers: 1. Primary issues are no fee to the buyer, which means that the issuer pays some sort of commission to the selling bro...
by dm200
Sat Jan 20, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Have you or anyone you know actually used umbrella coverage?
Replies: 34
Views: 3241

Re: Have you or anyone you know actually used umbrella coverage?

Fellow filed bankruptcy to get out from under but the lawyer argued to the bankruptcy judge not to discharge that particular debt (I'm leaving out a bunch of info) and the judge agreed. For decades my buddy got a monthly check from the hapless fellow (and may still be, I haven't asked in years). Wa...
by dm200
Sat Jan 20, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 173
Views: 11514

Re: Stats on When People Take Social Security

I don't think females who claim early LOSE anything.
As noted, if SS was actuarially "fair" (which I'm NOT recommending!), then then women would receive slightly lower monthly benefits than men with the same numbers.
So they are receiving an enhanced benefit to some degree.
Actuarlily 100% correct.
by dm200
Sat Jan 20, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 173
Views: 11514

Re: Stats on When People Take Social Security

If you are a single female, you are somewhat shortchanged by early SS since the tables SSA uses are unisex and females, on average, live longer. Since a single female gets the same monthly benefit as a single male of same age and SS payments in, & on average females live longer, they are not gettin...
by dm200
Fri Jan 19, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Have you or anyone you know actually used umbrella coverage?
Replies: 34
Views: 3241

Re: Have you or anyone you know actually used umbrella coverage?

Also, if there were a lot of people here reporting that they used it, it would likely be a lot more expensive than it is.
Right ...
by dm200
Fri Jan 19, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Have you or anyone you know actually used umbrella coverage?
Replies: 34
Views: 3241

Re: Have you or anyone you know actually used umbrella coverage?

Umbrella policies do not cover business related lawsuits.
by dm200
Fri Jan 19, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Can You Say...Auto Insurance
Replies: 33
Views: 2237

Re: Can You Say...Auto Insurance

If you get into a major collision, medical bills could easily eat up that $100,000 in coverage and then you will be threatened with paying the rest. JT Having high medical coverage on your auto policy is a waste of money if you have good primary medcial coverage. Not necessarily. The risks, in my o...
by dm200
Fri Jan 19, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Contacting store after urgent care visit?
Replies: 20
Views: 2184

Re: Contacting store after urgent care visit?

Curious as to what other Bogleheads would do. College age daughter is on a weekend getaway with friends and got over a dozen splinters while sitting on a bench in the store to rent equipment. She could feel the splinters went through her leggings but figured that was it and didn't tell anyone at th...
by dm200
Fri Jan 19, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Brokered CDs - often better return secondary market
Replies: 48
Views: 5093

Re: Brokered CDs - often better return secondary market

OK - here is one - as of a minute or two ago. Five year new issue Vanguard brokered CDs available at rate of 2.65%. Multiple banks making such CDs available. Secondary market Discover Bank rate 2.65% at 99.5% of face maturing 1/19/2023 with yield of 2.758% . BUT that does not consider the brokerage ...
by dm200
Fri Jan 19, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: What can I do to fight this ridiculous medical bill?
Replies: 86
Views: 4102

Re: What can I do to fight this ridiculous medical bill?

p.s. As mentioned you could have not gone to the UC or not to the ER so the choice is yours. Sound harsh but the reality is you did have a choice. No one FORCED you to get care. If they did then there is an argument to be made, but you did all this willingly. Right, well...I won't ever be going bac...
by dm200
Fri Jan 19, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: What can I do to fight this ridiculous medical bill?
Replies: 86
Views: 4102

Re: What can I do to fight this ridiculous medical bill?

Healthcare is the one thing that is so hard to budget and the costs can easily decimate years of hard work and diligent savings and investing. That deeply disturbs me. Even accident litigation, we can buy large multi-million umbrella insurance policies to prevent from getting wiped out. Not so with...
by dm200
Fri Jan 19, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: What can I do to fight this ridiculous medical bill?
Replies: 86
Views: 4102

Re: What can I do to fight this ridiculous medical bill?

In my experience Emergency Room and 911 ambulance rides are a "whole nuther type of billing. Out of network, even more so. $5-6,000 for a night in the ER plus the luxury ride in the paramedic rig makes for a huuuuuge bill. :shock: The cost difference between things done in the ER vs "normal" visits...
by dm200
Fri Jan 19, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Can You Say...Auto Insurance
Replies: 33
Views: 2237

Re: Can You Say...Auto Insurance

I agree with Bottlecap - your coverage is not all that strong - you might want to discuss your coverage limits with the agent. I have found it helpful to work with an insurance broker - the broker shops across multiple companies for the best coverage/value. Every two years (think its two years) the...
by dm200
Fri Jan 19, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Can You Say...Auto Insurance
Replies: 33
Views: 2237

Re: Can You Say...Auto Insurance

While it may be hard to "quantify", having auto insurance that pays valid claims quickly and can, if needed, fight for you when another driver is at fault (and you file under your collision) can be worth a lot - both financially and "aggravation".
by dm200
Fri Jan 19, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Can You Say...Auto Insurance
Replies: 33
Views: 2237

Re: Can You Say...Auto Insurance

I have pretty good coverages 100/300/50 to protect myself & my assets in case of a accident. I' am even thinking of a umbrella policy. The problem is my premiums keep going up with my big national company. I just received in the mail yesterday my renewal notice. From what I can tell the premium is ...
by dm200
Fri Jan 19, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: What can I do to fight this ridiculous medical bill?
Replies: 86
Views: 4102

Re: What can I do to fight this ridiculous medical bill?

Did you get an EOB from your insurance company?

If not, get it. Then discuss the situation with the insurance company.