Search found 13554 matches

by dm200
Sat Nov 18, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 38
Views: 3834

Re: 55+ Early retirement offer.

As others have posted, a big risk is health insurance after the company paid COBRA ends - depending on years to medicare (inclusing dependent). In most states, now, the age factor for ACA plans cap at 3 x younger insured -- but who knows if that will return to much, much higher age factors - as wwas...
by dm200
Sat Nov 18, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 63
Views: 2025

Re: Risks of Non-ACA Compliant Health Insurance?

I just hope you do not take risks of the health and well being of your family with one of these "bargain" plans. How can a good plan, such as these, be 1/3 the cost? Before the ACA, individual health insurance for a r easonable healthy person costed about 1/3 of the current, unsubsidized ACA Silver...
by dm200
Sat Nov 18, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off my house. Now how to handle insurance and tax payments?
Replies: 21
Views: 1718

Re: Paid off my house. Now how to handle insurance and tax payments?

Depends on local policies. I can't do this, because property tax bills don't go out until after Jan 1. No way to prepay the bill due by Feb 1. And school tax bills go out after Sept 1, due by Oct 1. We pay one local real estate tax - payable 1/2 in May and 1/2 in October. Not possible to double up ...
by dm200
Sat Nov 18, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 63
Views: 2025

Re: Risks of Non-ACA Compliant Health Insurance?

I just don't get why you would take serious risks of a non ACA plan for a family of four when you can get a fully ACA compliant Kaiser plan - zero risk of pre-existing condition exclusion, ready access to all types of excellent Physicians, urgent care facilities, centralized records, and so on. I g...
by dm200
Sat Nov 18, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 63
Views: 2025

Re: Risks of Non-ACA Compliant Health Insurance?

I just don't get why you would take serious risks of a non ACA plan for a family of four when you can get a fully ACA compliant Kaiser plan I look at healthcare as two parts: routine and non-routine. For routine, I'd be okay with the Kaiser HMO or an EPO. However, when we get into non-routine I bel...
by dm200
Sat Nov 18, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Volunteer to be laid off?
Replies: 31
Views: 1266

Re: Volunteer to be laid off?

While it is small in relation to the severance package, I am a Boglehead. This would be similar to shaving a few basis points of an investment expense. So, if it turns out i am eligible, i would definitely look into pursuing it. But, i am not sure it would affect my decision on requesting the layof...
by dm200
Sat Nov 18, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Volunteer to be laid off?
Replies: 31
Views: 1266

Re: Volunteer to be laid off?

The OP seems to be in management and may have knowledge of what the future will bring - that is not available to the majority of employees. I would be cautious about violating any management confidential requirements of the company. It may depend on details of the applicable state, but probably sev...
by dm200
Sat Nov 18, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 63
Views: 2025

Re: Risks of Non-ACA Compliant Health Insurance?

I ran a Kaiser family (of 4) Bronze plan in Northern VA and got 1232/mo Kaiser Silver plans in the $1,400 -$1,600/mo ranges Gold in $1600+ range Platinum in $1,800/mo range I just don't get why you would take serious risks of a non ACA plan for a family of four when you can get a fully ACA complian...
by dm200
Sat Nov 18, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Volunteer to be laid off?
Replies: 31
Views: 1266

Re: Volunteer to be laid off?

The OP seems to be in management and may have knowledge of what the future will bring - that is not available to the majority of employees. I would be cautious about violating any management confidential requirements of the company. It may depend on details of the applicable state, but probably seve...
by dm200
Sat Nov 18, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Proving retirement Health Insurance is unaffordable?
Replies: 1
Views: 275

Re: Proving retirement Health Insurance is unaffordable?

I have a retirement insurance plan that I pay the premium of almost 1000 per month.


I do not understand what this $1,000 per month is for and what you get? What kind of insurance?
by dm200
Sat Nov 18, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 63
Views: 2025

Re: Risks of Non-ACA Compliant Health Insurance?

OP, if I were you, I'd go with the HMO, probably Kaiser, and not one of those non-ACA options. You're in northern Virginia, not rural North Dakota. So you'll likely have good care under an HMO. I would agree for routine care. However, I looked at the facilities included in the HMO and EPO. Surprisi...
by dm200
Sat Nov 18, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Timing if Medicare annual physical
Replies: 8
Views: 643

Re: Timing if Medicare annual physical

This is a nitpicking question but important to me. I am now on Medicare :oops: and will get my 1st wellness visit/ physical in March (the 1st one is called welcome to Medicare). Previously my regular plans allowed one physical a year but gave some latitude so it didn't have to be exactly a year plu...
by dm200
Sat Nov 18, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 63
Views: 2025

Re: Risks of Non-ACA Compliant Health Insurance?

OP, if I were you, I'd go with the HMO, probably Kaiser, and not one of those non-ACA options. You're in northern Virginia, not rural North Dakota. So you'll likely have good care under an HMO. If you were in an extremely rural area where it was likely you'd have to travel out-of-network to receive...
by dm200
Sat Nov 18, 2017 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Volunteer to be laid off?
Replies: 31
Views: 1266

Re: Volunteer to be laid off?

I am a senior level executive in a technology company. I have been with the company close to 2 decades, and have had a great career that i enjoy. A few months ago we made a business decision to change focus from our main product line (somewhat slow growth) to a peripheral area (higher growth) in wh...
by dm200
Fri Nov 17, 2017 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 63
Views: 2025

Re: Kaiser

I just did a quick look at Kaiser for NOVA. Family of 4 for $1216/mo Bronze, no HSA Of course, as far as I know, the monthly premium is based on age(s) of enrolees. I ran a Kaiser family (of 4) Bronze plan in Northern VA and got 1232/mo Kaiser Silver plans in the $1,400 -$1,600/mo ranges Gold in $1...
by dm200
Fri Nov 17, 2017 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 63
Views: 2025

Re: Risks of Non-ACA Compliant Health Insurance?

I would think there are some ACA-compliant health insurance companies you could find. Call up a doctor's office or two and talk to the person who handles insurance there. Ask what insurance(s) they accept that are ACA-compliant. Or look at the website for your state's department of insurance. Even ...
by dm200
Fri Nov 17, 2017 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 63
Views: 2025

Re: Kaiser

FraggleRock wrote:
Fri Nov 17, 2017 5:33 pm
I just did a quick look at Kaiser for NOVA.
Family of 4 for $1216/mo
Bronze, no HSA

Of course, as far as I know, the monthly premium is based on age(s) of enrolees.
by dm200
Fri Nov 17, 2017 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 63
Views: 2025

Re: Risks of Non-ACA Compliant Health Insurance?

Over the decades, in many types of plans - it has been my experience that I have never encountered a Physician in the HMO network that I believed or experienced that was any more "mediocre" (or worse) than in other plans. I think that most doctors in the US are fine for most purposes. That said, it...
by dm200
Fri Nov 17, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 63
Views: 2025

Re: Risks of Non-ACA Compliant Health Insurance?

I guess I'm more concerned about a scenario where something major happens and the provider we want to see is not in-network and we're stuck with a mediocre provider. Then just avoid an HMO. You could still choose an HDHP and have out-of-network coverage, as other posters have noted. Over the decade...
by dm200
Fri Nov 17, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Car shopping tomorrow
Replies: 20
Views: 1364

Re: Car shopping tomorrow

Alexa9 wrote:
Fri Nov 17, 2017 12:40 pm
Huge deals on 2017 Accord/Camry. 2018's are all new.
Would that apply for leasing as well?
by dm200
Fri Nov 17, 2017 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Social Security younger Wife
Replies: 15
Views: 1558

Re: Social Security younger Wife

My thought is I could ramp the policy value down as I approach the witching hour, so to speak. I am not sure such a "ramp down" insurance product actually exists but I will check into it. My own policy permits a one-time "ramp down". Which I may take advantage of. My first policy was $400K. The new...
by dm200
Fri Nov 17, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Health Plan Comparison- What to Do?
Replies: 2
Views: 341

Re: Health Plan Comparison- What to Do?

Am seeking advice for comparison of health plans. Given all the plans offer the same coverage under ACA, what do I need to consider to compare plans? Let me add context of my situation. Am relocating to city with a few options including Kaiser. In comparing health plans, what type of issues or ques...
by dm200
Fri Nov 17, 2017 10:42 am
Forum: Investing - Theory, News & General
Topic: Car loans vs. Home loans - Are markets efficient?
Replies: 12
Views: 987

Re: Car loans vs. Home loans - Are markets efficient?

smitcat wrote:
Fri Nov 17, 2017 9:35 am
dspencer wrote:
Thu Nov 16, 2017 3:17 pm
Several good reasons presented. Maybe another one is that it's easier to repo a car than to foreclose on a house? It's also easier to resell a car than to resell a foreclosed house.
Absolutely true
Of course, it is hard to move and hide a house from repo.
by dm200
Fri Nov 17, 2017 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Car shopping tomorrow
Replies: 20
Views: 1364

Re: Car shopping tomorrow

1. Lease it up end of next month, so no pressure to actually enter anything tomorrow - just some due diligence 2. I'm used to AWD (Audi, Jeep) the last 8 years, but absolutely love the new Civic hatchbacks - test driving tomorrow 3. My car is essential to part of my job, are there perks to leasing ...
by dm200
Fri Nov 17, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Christmas Vacation on a budget
Replies: 15
Views: 1341

Re: Christmas Vacation on a budget

spammagnet wrote:
Thu Nov 16, 2017 11:04 pm
Alexa9 wrote:
Thu Nov 16, 2017 4:41 pm
I would imagine Puerto Rico is itching for tourists.
Shipping costs for potable water would put a damper on your vacation budget. :)
Are any parts of Puerto Rico available for tourists yet?
by dm200
Fri Nov 17, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Christmas Vacation on a budget
Replies: 15
Views: 1341

Re: Christmas Vacation on a budget

I gave a quick look at cruises - the "bargain" prices are much higher over that two week period.
by dm200
Fri Nov 17, 2017 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Social Security younger Wife
Replies: 15
Views: 1558

Re: Social Security younger Wife

My situation is pretty much identical. Same age difference, I am 65 and wife will be 54 next month ... Such situations could be a justification for a whole life policy. Probably beyond my taking any action on this, perhaps too late for me, but could you elaborate on this, please. It may be benefici...
by dm200
Thu Nov 16, 2017 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund to Fund Starting a 501c3
Replies: 10
Views: 827

Re: Donor Advised Fund to Fund Starting a 501c3

I don't see how this would be anything other than a donation of property to a 501(c). I don't know the rules on deducting donations to your own 501(c)
OK - now I see that there are, or may be, restrictions on donating to "your own" 501c3.
by dm200
Thu Nov 16, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: Under the sink water filter
Replies: 14
Views: 751

Re: Under the sink water filter

I suggest first testing your water to find out what, if anything, you need to remove. Then look for filters that remove whatever it is.
Is this municipal water?
by dm200
Thu Nov 16, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund to Fund Starting a 501c3
Replies: 10
Views: 827

Re: Donor Advised Fund to Fund Starting a 501c3

Ok, thanks all. I won't consider donating money other than my time and equipment to the non-profit. And if I need to buy things for it, I believe I'll at least be able to write them off as a business expense. I know it probably sounds sketchy because a lot of people probably try to take advantage, ...
by dm200
Thu Nov 16, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Previous employer terminating pension
Replies: 15
Views: 2584

Re: Previous employer terminating pension

Thanks everyone for your input and thoughtful replies (esp Watty and dm200). I'll have to read through a few times to digest. I thought option 3 (waiting until 65) was a no brainer and now I'm glad I posted to learn that may not be the case. I still (my opinion) would also leant towards option 3 as...
by dm200
Thu Nov 16, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Social Security younger Wife
Replies: 15
Views: 1558

Re: Social Security younger Wife

My situation is pretty much identical. Same age difference, I am 65 and wife will be 54 next month and has no earnings history. Your analysis seems pretty much spot-on to me, and I have been researching/pondering this for a number of years. Some time back I also became concerned about the case of m...
by dm200
Thu Nov 16, 2017 3:45 pm
Forum: Investing - Theory, News & General
Topic: Car loans vs. Home loans - Are markets efficient?
Replies: 12
Views: 987

Re: Car loans vs. Home loans - Are markets efficient?

dspencer wrote:
Thu Nov 16, 2017 3:17 pm
Several good reasons presented. Maybe another one is that it's easier to repo a car than to foreclose on a house? It's also easier to resell a car than to resell a foreclosed house.
Very true.
by dm200
Thu Nov 16, 2017 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Social Security younger Wife
Replies: 15
Views: 1558

Re: Social Security younger Wife

Any pensions for you?

She has about ten years for Medicare eligibility. Is that a problem?
by dm200
Thu Nov 16, 2017 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Christmas Vacation on a budget
Replies: 15
Views: 1341

Re: Christmas Vacation on a budget

investing1012 wrote:
Thu Nov 16, 2017 12:52 pm
How do you find good deals for Christmas/ New-Years Vacations?
Usually the popular places are more (or much more) expensive during this time.

What kinds of vacations are you cosidering? Children?

Sometimes - air travel on Christmas day is slow. Used to be, anyway - not sure now.
by dm200
Thu Nov 16, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Understanding How to Handle Bonus
Replies: 48
Views: 3195

Re: Help with Understanding How to Handle Bonus

Hi all, I just found out yesterday that I'll be getting a sizable bonus (35k). This is very unexpected and I'm trying to figure out how to best use it, while also making sure this doesn't result in a big tax hit. As background, my wife and I have been in extreme student loan repayment mode. As of t...
by dm200
Thu Nov 16, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: RE sale: long close vs. bird-in-hand
Replies: 28
Views: 1803

Re: RE sale: long close vs. bird-in-hand

Just noticed, in my opinion, a problem with Option A - they will occupy the house for six months before settlement - which gives them lots of time to "find" alleged problems with the house that they might demand be "fixed" at your expense before final settlement.
by dm200
Thu Nov 16, 2017 1:10 pm
Forum: Investing - Theory, News & General
Topic: Car loans vs. Home loans - Are markets efficient?
Replies: 12
Views: 987

Re: Car loans vs. Home loans - Are markets efficient?

In general, the longer the term of a loan, the higher the rate - other factors being equal. Mortgages are longer term than car loans. There may be increased costs of real estate loans vs. auto loans, primarily due to much more burdensome laws and regulations. Such costs are facored in to mortgage lo...
by dm200
Thu Nov 16, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Basement heating
Replies: 12
Views: 680

Re: Basement heating

I don't know if this might apply, but years ago I lived in a rental house - and there were some heat/cool variability issues - both for heat and air conditioning. What helped a lot (once we figured it out) was to set the thermostat to have the fan run all the time (when there were some heat/cool iss...
by dm200
Thu Nov 16, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: RE sale: long close vs. bird-in-hand
Replies: 28
Views: 1803

Re: RE sale: long close vs. bird-in-hand

What if you take Option A - and it falls through?
by dm200
Wed Nov 15, 2017 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 4225

Re: Fair way to split expenses?

There are, however, some marital "situations" (known some) where one spouse is not nice and fair to the other - so the unfairly treated spouse really needs to keep secrets from the other. Often, this unfairness extends to children. I know of several such situations that happened in my extended fami...
by dm200
Wed Nov 15, 2017 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 4225

Re: Fair way to split expenses?

There are, however, some marital "situations" (known some) where one spouse is not nice and fair to the other - so the unfairly treated spouse really needs to keep secrets from the other. Often, this unfairness extends to children. I know of several such situations that happened in my extended family.
by dm200
Wed Nov 15, 2017 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 4225

Re: Fair way to split expenses?

Married over 39 years. When first married, I had significantly higher income and significantly more assets than my wife brought to the marriage. We shared everything. Without going into all the details, due to bad luck, bad decisions on mostly my part - all was lost. My wife has not made a big issue...
by dm200
Wed Nov 15, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: How much to charge for nanny services on New Year's Eve?
Replies: 29
Views: 1962

Re: How much to charge for nanny services on New Year's Eve?

TomatoTomahto wrote:
Wed Nov 15, 2017 3:57 pm
Double time: $35/hour. Paid in advance in cash. No refunds. She has to get home with drunks on the road.
The alternative is to prepare for her closeup on Judge Judy.
Good idea - perhaps a discount if she wanted a longer number of hours and it worked out.
by dm200
Wed Nov 15, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 4225

Re: Fair way to split expenses?

Because you and I have very different views of what marriage is all about. Its not about one spouse "subsidizing" the other financially - its about sharing a life together - having common goals in life and working together towards those common goals. When one spouse spends money on something they e...
by dm200
Wed Nov 15, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Previous employer terminating pension
Replies: 15
Views: 2584

Re: Previous employer terminating pension

I might price a lump sum SPIA for the lump sum offered with the payout beginning for life at the age you can take the lifetime benefits -- and see which offers the higher payout. One data point in the evaluation.
by dm200
Wed Nov 15, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 4225

Re: Fair way to split expenses?

Why would one spouse subsidize the other? What if one partner/spouse has a much lower choice or ability to earn a high income? Let's say one is a Physician specialist and the other is an elementary private school teacher? Not that uncommon a situation - and, today, it has become much more common th...
by dm200
Wed Nov 15, 2017 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Brokered CDs - often better return secondary market
Replies: 16
Views: 1577

Re: Brokered CDs - often better return secondary market

Of course with the shorter-term CDs, you take more of a hit from the commission, since it's spread over only 2 or 3 years instead of 5 years.

Sure - the longer the term of the CD, in general, the more likely the secondary market seems to be more of a potential benefit.
by dm200
Wed Nov 15, 2017 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: How much to charge for nanny services on New Year's Eve?
Replies: 29
Views: 1962

Re: How much to charge for nanny services on New Year's Eve?

Also if you’ve never worked with this person and they want you for a holiday I would have them pay in advance. This is worth considering - thanks. Yes - or at least some part. If not, they could cancel at the last minute and she would be unable to book another job. Also, base the charge on number o...