Search found 15510 matches

by dm200
Sat Apr 21, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Cheap cell phone plans
Replies: 53
Views: 3862

Re: Cheap cell phone plans

From our recent experience, getting 4-5 folks/phones on one plan yields low per phone cost. DW and did that with son -kept our numbers - but switched to his Sprint plan. Upgraded from two dumb cell phones on Sprint and paying about $75/month to 2 new smart phones (Moto-4), unlimited calls, text and ...
by dm200
Sat Apr 21, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 46
Views: 2503

Re: Medicare Questions

I also volunteer my services and give away tens of thousands of dollars a year in charity care, which I cannot write off my taxes. As far as I know, the same such rules apply to everyone who volunteers services, etc. - not just medical folks. Yes I understand but the point I was making is that ther...
by dm200
Sat Apr 21, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 46
Views: 2503

Re: Medicare Questions

Those Advantage plans are very lucrative for the actual insurance companies, and they advertise everywhere to get people to sign up for their plans. Medicare is profitable for institutional facilities that employ their own physicians because they can bill "facility fees" which can be very profitabl...
by dm200
Sat Apr 21, 2018 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage payment frequency - Monthly vs. Weekly
Replies: 12
Views: 1048

Re: Mortgage payment frequency - Monthly vs. Weekly

Almost all home mortgages are written with monthly installments. Actually paying early does nothing. These weekly or biweekly plans just make the payments monthly and make some extra payments to principal.
by dm200
Sat Apr 21, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 48
Views: 2573

Re: Selling a car: how to get paid?

Do the transaction at a branch of the buyer's bank. The two of you sit down with a personal banker who prepares a money order or cashier's check paid to you and you sign release of the title and give it to the buyer when the payment instrument has been produced. Don't let anyone test drive the car ...
by dm200
Sat Apr 21, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 48
Views: 2573

Re: Selling a car: how to get paid?

Seller would only accept cashier's check payable to the seller. There is no signing it over to them. How can cashier's checks be cancelled by the buyer at that point ? Yes, the cashiers check would be payable to the seller. Suppose, though, the seller lost the check, or left it in their pocket and ...
by dm200
Sat Apr 21, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 46
Views: 2503

Re: Medicare Questions

If I see a Medicare patient in the ER and we then go enjoy some surgery together, because I am not a Medicare provider, I am not allowed to bill the patient if it is deemed emergency care. Some folks then say "why don't you just join Medicare?" Simply joining Medicare to get something instead of no...
by dm200
Sat Apr 21, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 46
Views: 2503

Re: Medicare Questions

I also volunteer my services and give away tens of thousands of dollars a year in charity care, which I cannot write off my taxes. As far as I know, the same such rules apply to everyone who volunteers services, etc. - not just medical folks. Yes I understand but the point I was making is that ther...
by dm200
Sat Apr 21, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 46
Views: 2503

Re: Medicare Questions

I also volunteer my services and give away tens of thousands of dollars a year in charity care, which I cannot write off my taxes.
As far as I know, the same such rules apply to everyone who volunteers services, etc. - not just medical folks.
by dm200
Sat Apr 21, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 52
Views: 1918

Re: Do you buy new or used cars?

had a coworker that bought a new car but also financed over 7 years! :oops: I didn't think that was even possible.
Yes - seven year new car financing has become very, very common.
by dm200
Sat Apr 21, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 10449

Re: Quitting job - what to do if getting walked to the door

MathIsMyWayr wrote:
Sat Apr 21, 2018 10:55 am
Another reason why it is a good idea not to burn a bridge. With the on-going M&A activities, you never know who will be your employer even if you stay put with your new employer.
Yes - old boss might be new boss after a merger :)
by dm200
Sat Apr 21, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 48
Views: 2573

Re: Selling a car: how to get paid?

I'm surprised no one mentioned a certified check. They cannot be stopped. Cashier's checks can be cancelled. If the amount was less than 10k, I would just ask for cash. If over 10k you run into extra paperwork. If you went to the bank with the buyer and cashed a personal check (getting the cash) be...
by dm200
Sat Apr 21, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 48
Views: 2573

Re: Selling a car: how to get paid?

People who would scam this way, don't the police prosecute them? Can you file a civil suit against the scammer, perhaps in small claims court? These scams often are done by folks who cannot be located or found - often in foreign jurisdictions. Some innocent person ends up on the hook passing the fo...
by dm200
Sat Apr 21, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 48
Views: 2573

Re: Selling a car: how to get paid?

I'm surprised no one mentioned a certified check. They cannot be stopped. Cashier's checks can be cancelled. If the amount was less than 10k, I would just ask for cash. If over 10k you run into extra paperwork. If you went to the bank with the buyer and cashed a personal check (getting the cash) be...
by dm200
Sat Apr 21, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Car for 23 year old
Replies: 25
Views: 1127

Re: Car for 23 year old

Consumer Reports rates the 2018 Toyota Camry very highly - if you want a slightly larger car than a Corolla or Civic. For a regular Camry, I would choose the 4 cyl for better fuel economy. A 2018 Camry would be about 2x-3x the OP’s stated price range. Sorry about that . I did miss it. I might look ...
by dm200
Sat Apr 21, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Car for 23 year old
Replies: 25
Views: 1127

Re: Car for 23 year old

Used Lexus ES. Find the nicest one owner with low miles in your price range. I recently bought an 05 ES 330, 75k miles. $7k Beautiful car. Toyota reliable. Till the repair bills come Is it correct, then, that a very similar Lexus to a Toyota will have higher repair bills? Why? Parts are more expens...
by dm200
Sat Apr 21, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Car for 23 year old
Replies: 25
Views: 1127

Re: Car for 23 year old

jehovasfitness wrote:
Fri Apr 20, 2018 7:37 pm
bloom2708 wrote:
Fri Apr 20, 2018 7:32 pm
Used Lexus ES.
Find the nicest one owner with low miles in your price range.
I recently bought an 05 ES 330, 75k miles. $7k
Beautiful car. Toyota reliable.
Till the repair bills come
Is it correct, then, that a very similar Lexus to a Toyota will have higher repair bills? Why?
by dm200
Sat Apr 21, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Car for 23 year old
Replies: 25
Views: 1127

Re: Car for 23 year old

Consumer Reports rates the 2018 Toyota Camry very highly - if you want a slightly larger car than a Corolla or Civic. For a regular Camry, I would choose the 4 cyl for better fuel economy. As Hybrids show general reliability over time, I might also consider a hybrid - such as Prius or Camry Hybris -...
by dm200
Sat Apr 21, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 146
Views: 7088

Re: Need for Medicare supplemental plan?

If I go with Medicare Advantage , it is $240/year which is offset by gym membership, with a $4,000 maximum out of pocket. So say you pocket the $2,500 every year until you have a health problem? Seems to me that one approach is not obviously better than the other. I think I will take my chances on ...
by dm200
Fri Apr 20, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 4299

Re: Factor in evaluating Physicians

Ignorance is bliss.... A lot of people with no idea what they are talking about chiming in. Believe it or not, many pharma reps know more about a specific drug/disease then the HCP (especially ultra rare orphan drugs/diseases) - and the only sensible time to help educate them is at lunch. 90% of th...
by dm200
Fri Apr 20, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 48
Views: 2573

Re: Selling a car: how to get paid?

People who would scam this way, don't the police prosecute them? Can you file a civil suit against the scammer, perhaps in small claims court? These scams often are done by folks who cannot be located or found - often in foreign jurisdictions. Some innocent person ends up on the hook passing the fo...
by dm200
Fri Apr 20, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 48
Views: 2573

Re: Selling a car: how to get paid?

likegarden wrote:
Fri Apr 20, 2018 2:22 pm
The buyer used the same bank as we do. We went both to the bank, and buyer deposited the sales amount directly from her account into our checking account. Bank gave me a printout of my account with sales money showing in there.
Same bank make this even simpler and safer :)
by dm200
Fri Apr 20, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 146
Views: 7088

Re: Need for Medicare supplemental plan?

No, you are not automatically eligible to change every year. Do some googling. Googling, it looks like you have the right to switch from one Medicare Advantage plan to another Medicare Advantage plan once a year. However the same does not apply to Medigap (You don't have the right to switch from on...
by dm200
Fri Apr 20, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: How much off MSRP should one expect?
Replies: 15
Views: 949

Re: How much off MSRP should one expect?

Thanks for all the great responses on used vs. new car! I am leaning new, if nothing else to get me out of this rabid hole time suck!!! Sheesh, I havent been able to get anything done today. Ive seen a range from 0 to 17% off MRSP. What is common? Good deal? etc Also, I noticed some posts mentionin...
by dm200
Fri Apr 20, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: How to ask town to build a sidewalk?
Replies: 22
Views: 1195

Re: How to ask town to build a sidewalk?

Sidewalks are generally within the roadway right-of-way, which is owned by the city, county, or state, depending on the jurisdiction of the roadway. Likely, in a residential area in town, this will be the city's responsibility. I've been in a lot of towns but never one where sidewalks have been the...
by dm200
Fri Apr 20, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 52
Views: 1918

Re: Do you buy new or used cars?

2) Licensing is always more with an new car [/u][/b] Never had that experience. We pay the same on our older cars as we did or would have on new car. This is true in my state (AZ). The registration cost declines with time (and is related to the initial cost of the vehicle). One reason why I bought ...
by dm200
Fri Apr 20, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 52
Views: 1918

Re: Do you buy new or used cars?

2) Licensing is always more with an new car


Never had that experience. We pay the same on our older cars as we did or would have on new car.
by dm200
Fri Apr 20, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 52
Views: 1918

Re: Do you buy new or used cars?

In the early days of minivans, we decided a minivan fit our family needs very well. In test driving several times, because of my wife's short stature, a power seat soon became a "must have" - so we ordered just what we wanted (including the power seat) but without other common features often deliver...
by dm200
Fri Apr 20, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: New car hit accident - loss of dimished value
Replies: 23
Views: 1542

Re: New car hit accident - loss of dimished value

Anyone claiming diminished value isn't real is completely wrong. With two identical cars for sale at the same price, one with and one without an accident. Not a single person would choose the one with the accident. Put in a claim for 15% of the value of the car and settle for 10%. I agree "not comp...
by dm200
Fri Apr 20, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Total Cost of Car Ownership over 10 years
Replies: 40
Views: 3067

Re: Total Cost of Car Ownership over 10 years

I also doubt you can get a 2018 Camry LE (total cost out the door, including tax, tags, etc) for 22,500. Based on what I see, I would add several thousand to that number.
by dm200
Fri Apr 20, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 48
Views: 2573

Re: Selling a car: how to get paid?

If you go to the buyer's bank and the buyer, in your presence, purchases a Cashiers check payable to you - then that should be as close to 100% safe as you can get. Then, you would not have to carry a large amount of cash around.
by dm200
Fri Apr 20, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 52
Views: 1918

Re: Do you buy new or used cars?

In recent years, new cars are often no more expensive and sometimes even cheaper than used versions of the same thing. Why buy a used car that costs more than the same thing new? Although we no longer buy new, I agree that if we wanted/needed a higher use vehicle and higher reliability - getting a ...
by dm200
Fri Apr 20, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 48
Views: 2573

Re: Selling a car: how to get paid?

Yes, I see the point. You (or the bank/credit union where deposited) can almost always verify the validity of the cashiers check when it is deposited/cashed. if you read some of the reports from people who have been hit with the advanced fund scams, it appears the tellers are not validating this an...
by dm200
Fri Apr 20, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 4299

Re: Factor in evaluating Physicians

I looked up two previous physicians - one primary care and one specialist (Endocrinology) and each had about $1,000. Each had about a whole page list of food, etc. related to Prescription drugs. I guess that is where and how they were educated on these drugs. My current primary care and endocrinolog...
by dm200
Fri Apr 20, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: New car hit accident - loss of dimished value
Replies: 23
Views: 1542

Re: New car hit accident - loss of dimished value

Hi Thanks for looking out and giving suggestion. My one month old 2018 CRV EX AWD with just 1000 miles got rear ended by another car. No air bag deployed and other car got totalled. Since we both are in same insurance, fixing my car is not much pain and insurance/body shop gave life time warranty f...
by dm200
Fri Apr 20, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 52
Views: 1918

Re: Do you buy new or used cars?

Years ago, I usually bought new - and kept cars a long time. We put a fair amount of miles on two cars (about 12k each). We wanted/needed specific features and we could get the exact car we wanted/needed - not too much and not too little - and willing to pay for. Now, in retirement, much lower car u...
by dm200
Fri Apr 20, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 146
Views: 7088

Re: Need for Medicare supplemental plan?

Going back to my OP, this article - Understanding the Hidden Costs in Medicare - Keeping Your Out of Pocket from Getting Out of Control - refutes the claim that Medicare supplement plans might not be necessary. But you all knew that already. :wink: https://www.moneytips.com/understanding-the-hidden...
by dm200
Fri Apr 20, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 48
Views: 2573

Re: Selling a car: how to get paid?

Agree with the folks above who said it should be cash. $2-7K is not enough money to deal with other scenarios. If someone feels uncomfortable with drawing and "carrying around" that much cash, offer to meet at their bank and they can directly hand you the money. For the seller, meeting at a bank - ...
by dm200
Fri Apr 20, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: How to ask town to build a sidewalk?
Replies: 22
Views: 1195

Re: How to ask town to build a sidewalk?

I am trying to live the green life by walking 2.5 miles to work. Unfortunately, there are annoying short segments without sidewalks. You can clearly see the path people have worn into the grass. What is the process to get a sidewalk built? Whose responsibility is it, i.e the business owners or the ...
by dm200
Fri Apr 20, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 9146

Re: Got hit with a $2800 Medical bill. Can I negotiate?

The more I read in this post's responses, the happier I am that my wife and I (as patients) face almost none of these medical/billing challenges with our Kaiser plans. :happy
by dm200
Fri Apr 20, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 48
Views: 2573

Re: Selling a car: how to get paid?

I learned the hard way that a stop payment can be placed on a Cashier's Check (depending on the state and the bank). I never knew that could be done until I thought I lost one. Cashiers checks - 1. The bank where a cashiers check is deposited cannot put an extended hold (only next day) for $5,000 o...
by dm200
Fri Apr 20, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 146
Views: 7088

Re: Need for Medicare supplemental plan?

I'm being switched by previous employer to an Anthem Medicare Advanatge PPO plan effective 7/1. (Have the option of staying on traditional Medicare with Plan G but that would cost $125/month more than the MA Plan). Anthem Plan is $5 copay for most stuff (office visits, etc) with $100 for ER and $20...
by dm200
Fri Apr 20, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 146
Views: 7088

Re: Need for Medicare supplemental plan?

Wasn't sure what to call it, but that's how I used it. It was a bridge to a regular supplement once I got on spousal SS at 66. I had no intention of staying there but it worked out great. But I didn't really use it either. Glad it worked for you. For those considering an MA plan (vs Original Medica...
by dm200
Fri Apr 20, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 48
Views: 2573

Re: Selling a car: how to get paid?

I learned the hard way that a stop payment can be placed on a Cashier's Check (depending on the state and the bank). I never knew that could be done until I thought I lost one. Cashiers checks - 1. The bank where a cashiers check is deposited cannot put an extended hold (only next day) for $5,000 o...
by dm200
Fri Apr 20, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 4299

Re: Factor in evaluating Physicians

book lover wrote:
Fri Apr 20, 2018 7:11 am
The incessant drug company advertising on T.V. gets my goat, my family Doc getting donuts or lunch not at all.
Yes - I agree about TV advertising of prescription drugs to consumers.
by dm200
Fri Apr 20, 2018 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 146
Views: 7088

Re: Need for Medicare supplemental plan?

I have been participating in the forum for a long time. It appears that most Bogleheads on Medicare (at least those who post about Medicare) have a supplemental insurance because it pays for the part that Medicare doesn't, assuming the test/ doctor/ hospital is covered by/contracted with Medicare. ...
by dm200
Fri Apr 20, 2018 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 146
Views: 7088

Re: Need for Medicare supplemental plan?

If you choose MA and then have medical problems, you may never be able to get a supplement. I wouldn't do it. I got laid off at 65 and took advantage of the loophole of "trying" MA the first year, with guaranteed issue when I switched to F a year later. It cost only 33/mo. Not sure I would call thi...
by dm200
Thu Apr 19, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 48
Views: 2573

Re: Selling a car: how to get paid?

Assume: You have clear title and buyer is in same state - Accept cash only. Meet buyer at DMV. Sign over title concurrent with buyer giving you the cash. Remove the tags and have buyer register/title the car. Give buyer the keys. Arrange for ride home. Have sales agreement signed and keep a copy. Pu...
by dm200
Thu Apr 19, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for ACA ? [Colorado]
Replies: 17
Views: 1365

Re: Applying for ACA ?

Getting ready to apply for ACA - Colorado. For those that have gone through this process (or know alot about it), is there anything I should be aware of ? Any suggestions/tips ? Did any of you go through a broker/agent ? Become informed about the various types of plans, such as PPO, HMO, etc. For a...
by dm200
Thu Apr 19, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: What does a typical homeowners insurance policy have?
Replies: 10
Views: 966

Re: What does a typical homeowners insurance policy have?

With State Farm, we get a significant discount by having multiple (2) cars insured as well as Homeowners.