Search found 14404 matches

by dm200
Thu Jan 18, 2018 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Paying semi-illiterate vendor via credit card who has no email or computer
Replies: 13
Views: 527

Re: Paying semi-illiterate vendor via credit card who has no email or computer

livesoft wrote:
Thu Jan 18, 2018 5:52 pm
Call his local bank manager and ask for ideas.
Yes - or a credit union.
by dm200
Thu Jan 18, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: $200 Emergency Visit Copay Waiver?
Replies: 59
Views: 5629

Re: $200 Emergency Visit Copay Waiver?

kjvmartin wrote:
Wed Jan 17, 2018 9:41 pm
Old thread. Long since had to pay it under the threat of collections. Admit is a different term to insurance companies.
Right ...

Yet another term in the English language that has very different meanings ...
by dm200
Thu Jan 18, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 106
Views: 8374

Re: What is the best home exercise equipment?

I personally bought a Sole E95S Elliptical, SR500 rower, and F85 treadmill this past BlackFriday for 10% below the Black Friday prices (by calling and haggling). I also bought a Hoist adjustable ab bench, Hoist bench, and Nubell Pro 530 weight set, plus a curling bar. I’m looking for a recumbent bi...
by dm200
Thu Jan 18, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Trying to help acquaintence - medicare costs
Replies: 75
Views: 2562

Re: Trying to help acquaintence - medicare costs

Glad you got it somewhat sorted out. You may as well check to see what is included for eyes, ears, and teeth. I know regular Medicare covers audiologist test (but not hearing aids), medical checks for cataracts and other medical problems (but not glasses or their prescriptions), and probably dental...
by dm200
Wed Jan 17, 2018 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Irrevocable trust for primary residence
Replies: 12
Views: 829

Re: Irrevocable trust for primary residence

Don't know, but what if you got and maintained mortgage loan(s) to the maximum possible on the home (no matter who owns it). Then, use other asset protection techniques for the proceeds.

Then, there is little, if any, value to those successfully suing.
by dm200
Wed Jan 17, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: [Virginia] Transfer on Death Deeds .. New Husband?
Replies: 42
Views: 1505

Re: [Virginia] Transfer on Death Deeds .. New Husband?

Edit2: Yes their combined income would likely make them unable to be eligible for the tax relief. This isn't that big of an issue as I am the only one paying the mortgage anyways and will be going forward. Depending on the assessed value of the house AND the tax rate, it might be a "big deal". As I...
by dm200
Wed Jan 17, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: How will or might nonprofits be affected by tax law changes?
Replies: 22
Views: 920

Re: How will or might nonprofits be affected by tax law changes?

Thanks for the added opnions and information. Yes, there is nothing that a non-profit can actually "do", but it makes sense to try to plan or budget with a possibility that some donors at year end may have acelerated some amount of 2018 donations to December 2017. I think that is what may have happe...
by dm200
Wed Jan 17, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 106
Views: 8374

Re: What is the best home exercise equipment?

Another vote for a Concept2 rower. I found one at a reasonable prices on Craigslist 4 years ago and have used it regularly. Lots of information and workout plans online. I often watch a lecture or talk on Youtube while I row. Time then flies. I suspect that if you do not need or want the display, y...
by dm200
Wed Jan 17, 2018 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 140
Views: 8318

Re: Stats on When People Take Social Security

That depends on how you do the math. When 50% of SS income suddenly became federally taxable for higher income retirees, that effectively cut their net benefit by some percentage... Sure - that did reduce net benefits. However, it did not affect folks differently on whether they filed earlier or la...
by dm200
Wed Jan 17, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: [Virginia] Transfer on Death Deeds .. New Husband?
Replies: 42
Views: 1505

Re: [Virginia] Transfer on Death Deeds .. New Husband?

Thanks everyone. Great amount of info on this forum! I contacted a titling agency and I'm going to pay a relatively small fee ($250) to get my name added back in to the deed. Great insurance in case something does go south. I'm also going to contact some attorneys to see if she would like to draft ...
by dm200
Wed Jan 17, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: [Virginia] Transfer on Death Deeds .. New Husband?
Replies: 42
Views: 1505

Re: [Virginia] Transfer on Death Deeds .. New Husband?

OP--A prenuptial agreement could address many problems, and could be prepared in conjunction with the new wills that both members of the happy couple should prepare anyway. Note that a prenup must be signed before the wedding, and the wills can be prepared in advance but should be signed after the ...
by dm200
Wed Jan 17, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: How will or might nonprofits be affected by tax law changes?
Replies: 22
Views: 920

Re: How will or might nonprofits be affected by tax law changes?

In funding organizations and projects in this remote area of this country, we face the challenge of sending the donated funds there quickly after receipt balanced by planning, evaluation and monitoring of the money. The good news in this "challenge" is that we have a lot of committed donors to the c...
by dm200
Wed Jan 17, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Trying to help acquaintence - medicare costs
Replies: 75
Views: 2562

Re: Trying to help acquaintence - medicare costs

Our Aetna MA plan includes Part D. Aetna has stated that if we choose any other Part D plan (we get solicitations every year) we will be kicked out of the medical insurance part of the Aetna MA plan, as well as the Part D. So, if you like the medical insurance, don't try to change the Part D. yes -...
by dm200
Wed Jan 17, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Best Sources to Buy Prescriptions Out of Pocket
Replies: 49
Views: 2854

Re: Best Sources to Buy Prescriptions Out of Pocket

Thanks for all the information. Just a recap on what I found out. I talked with my Walgreen's pharmacist and she said Goodrx was the best and most common discount program they see. Costco confirmed this but said they sometimes do not accept Goodrx coupons. He did not say why but my guess is the cou...
by dm200
Wed Jan 17, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Trying to help acquaintence - medicare costs
Replies: 75
Views: 2562

Re: Trying to help acquaintence - medicare costs

Our Aetna MA plan includes Part D. Aetna has stated that if we choose any other Part D plan (we get solicitations every year) we will be kicked out of the medical insurance part of the Aetna MA plan, as well as the Part D. So, if you like the medical insurance, don't try to change the Part D. yes -...
by dm200
Wed Jan 17, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: [Virginia] Transfer on Death Deeds .. New Husband?
Replies: 42
Views: 1505

Re: [Virginia] Transfer on Death Deeds .. New Husband?

OP--A prenuptial agreement could address many problems, and could be prepared in conjunction with the new wills that both members of the happy couple should prepare anyway. Note that a prenup must be signed before the wedding, and the wills can be prepared in advance but should be signed after the ...
by dm200
Wed Jan 17, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: Trying to help acquaintence - medicare costs
Replies: 75
Views: 2562

Re: Trying to help acquaintence - medicare costs

From the online summary, she seems to have zero $ copays for most things. She is paying $322/month - as best I see. For someone like her with large health issues/risks/costs - she is getting a good deal. Do you mean her Medicare Part B premium is included in the $322? Or is there another $134 on to...
by dm200
Wed Jan 17, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: How will or might nonprofits be affected by tax law changes?
Replies: 22
Views: 920

Re: How will or might nonprofits be affected by tax law changes?

For our planning purposes, does anyone have any opinions or views on whether or if donors might reduce charitable contributions in 2018 and following? Some might. But the true believers in the cause probably won't. Though I won't get much in the way of charitable deductions going forward, I believe...
by dm200
Wed Jan 17, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 140
Views: 8318

Re: Stats on When People Take Social Security

That depends on how you do the math. When 50% of SS income suddenly became federally taxable for higher income retirees, that effectively cut their net benefit by some percentage... Sure - that did reduce net benefits. However, it did not affect folks differently on whether they filed earlier or la...
by dm200
Wed Jan 17, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: How will or might nonprofits be affected by tax law changes?
Replies: 22
Views: 920

How will or might nonprofits be affected by tax law changes?

I am involved with a charity that funds an international relief initiative for a remote community in a third world country. We received some relatively significant year end 2017 donations. I suspect the tax law changes were involved. For our planning purposes, does anyone have any opinions or views ...
by dm200
Wed Jan 17, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: [Virginia] Transfer on Death Deeds .. New Husband?
Replies: 42
Views: 1505

Re: [Virginia] Transfer on Death Deeds .. New Husband?

I think checking with an estate attorney is a good idea. I just called the land records office and they told me that if she did a quit claim, half the equity in the house at the time would be taxable? This sounds like BS to me? There's no money changing hands.. and I can't find anything that talks ...
by dm200
Wed Jan 17, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Questions re:home insurace
Replies: 16
Views: 1011

Re: Questions re:home insurace

Note that some companies (like State Farm) have significant discounts when both auto and home are insured by same insurer.
by dm200
Wed Jan 17, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Trying to help acquaintence - medicare costs
Replies: 75
Views: 2562

Re: Trying to help acquaintence - medicare costs

Yes, a $200 OOP max is almost unheard of these days. Also depends on how high the copays are. However she's paying over $400/month for that coverage. Here's a link for comparison to Connecticutcare Medicare Advantage Plans. There are available to any CT resident eligible for Medicare. Almost all pl...
by dm200
Wed Jan 17, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: [Virginia] Transfer on Death Deeds .. New Husband?
Replies: 42
Views: 1505

Re: [Virginia] Transfer on Death Deeds .. New Husband?

Sorry, I don't mean to offend anyone with the 67 being considered "elderly". A previous poster was correct in that I just referred to her as being elderly because she qualifies in the county to take advantage of tax relief, which saves me about $6000 a year. I do understand that some people are ala...
by dm200
Wed Jan 17, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Car Scratch Removal
Replies: 13
Views: 1060

Re: Car Scratch Removal

No expert, but if the scratch is deep (shows base/primer colot), I would use touch up paint.
by dm200
Wed Jan 17, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 140
Views: 8318

Re: Stats on When People Take Social Security

I have no input on how young people should plan on far off SS as that is political speculation . I would observe that all retirement planning is an exercise is successive approximation as time goes on. We agree. It's unfortunate that many base this decision, even those who are 62 and older, on thei...
by dm200
Wed Jan 17, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Trying to help acquaintence - medicare costs
Replies: 75
Views: 2562

Re: Trying to help acquaintence - medicare costs

From what I see now, it appears that the retirement system has negotiated a MA plan with AETNA with BOTH high monthly premiums AND high benefits (LOW or ZERO copays AND low out of pocket limit). It is the only choice offered and is mandatory UNLESS participants leave and can never get back. It seems...
by dm200
Wed Jan 17, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Questions re:home insurace
Replies: 16
Views: 1011

Re: Questions re:home insurace

1. Here are the quote I have received so far....Travellers ($1862), Amica ($ 1749) and Geico ($787). There is about 50K difference between Amica and Travellers dwelling estimate. But otherwise both are pretty comparable and both are "All Risk" policies. Geico came back with lowest dwelling value (a...
by dm200
Wed Jan 17, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: [Virginia] Transfer on Death Deeds .. New Husband?
Replies: 42
Views: 1505

Re: [Virginia] Transfer on Death Deeds .. New Husband?

With respect to your dilemma, I was in a meeting about this last night (random discussion prior to the real meeting). Neighbors here in NY get a substantial seniors tax credit. The Board for our cooperative encourages seniors to add their adult children to their property since it's easier to transf...
by dm200
Wed Jan 17, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: [Virginia] Transfer on Death Deeds .. New Husband?
Replies: 42
Views: 1505

Re: [Virginia] Transfer on Death Deeds .. New Husband?

67 is elderly? My dad is 68 and I never felt he was elderly. A cousin died over Christmas at 96 & her sister died at 102. Now they were elderly in my book. [/u][/b] "elderly" is often the term used by jurisdictions for benefits. :) I feel the same way at 72. Do not feel "elderly" I recall my matern...
by dm200
Wed Jan 17, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 140
Views: 8318

Re: Stats on When People Take Social Security

I believe that those with SS Disability "convert" to SS retirement at age 65.
by dm200
Wed Jan 17, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: [Virginia] Transfer on Death Deeds .. New Husband?
Replies: 42
Views: 1505

Re: [Virginia] Transfer on Death Deeds .. New Husband?

Do you hold a mortgage on the house? If so, isn;t that a degree of protection? Lets assume the OP does hold the debt. After marriage, Mom revokes the TOD deed and conveys the house into joint name with the spouse, or devises the property in her will to the spouse. Under the specific devise, unless ...
by dm200
Wed Jan 17, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: [Virginia] Transfer on Death Deeds .. New Husband?
Replies: 42
Views: 1505

Re: [Virginia] Transfer on Death Deeds .. New Husband?

In addition, she can have a will (as far as I know) naming you as a beneficiary to the degree whe desires. I have the dim idea that in some states a surviving spouse has a right to some portion of the deceased person's estate. Depends on details and state law. I doubt this is the case in Virginia f...
by dm200
Wed Jan 17, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: [Virginia] Transfer on Death Deeds .. New Husband?
Replies: 42
Views: 1505

Re: [Virginia] Transfer on Death Deeds .. New Husband?

So the fiance is 62 and presumably will have income of his own. Regardless of whether he has any ownership interest in the home, if he moves in with her, his age and/or income may disqualify the household for the property tax exemption. OK - NOW I see an "issue". Similar rules in my jurisdiction.. ...
by dm200
Wed Jan 17, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: [Virginia] Transfer on Death Deeds .. New Husband?
Replies: 42
Views: 1505

Re: [Virginia] Transfer on Death Deeds .. New Husband?

my mother lives in a house that is mortgaged to me yet she is on the deed. We did a quitclaim and I deeded the house back to her and then I moved out to take advantage of a tax benefit that is offered to her as long as she is only on the deed, and I do not live on the property. Do you hold a mortga...
by dm200
Tue Jan 16, 2018 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Friend Got Laid Off - Advice Needed
Replies: 46
Views: 4768

Re: Friend Got Laid Off - Advice Needed

1) apply for unemployment. This week. The longer he waits to apply, the later he’ll start collecting. 2) sort out health insurance. Depending on the company, COBRA premiums will be either more or less than ACA premiums, but COBRA coverage will probably be better. Figure out what is best for his fin...
by dm200
Tue Jan 16, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Hulu, Your Current Favorite Show
Replies: 18
Views: 996

Re: Hulu, Your Current Favorite Show

With my FREE HULU on out "family" Sprint cell phone plan, I am going through Law and Order SVU episode by episode. Now on season 7.

Watch either on my Moto 4 smartphone or desktop.

After I do the Law and Order SVU - I will probably watch Will and Grace (starting in 1998 episodes).
by dm200
Tue Jan 16, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 103
Views: 5646

Re: Looking for a reasonably priced, safe international destination

I will cast another vote for Ireland. You can get great deals on packages through Aer Lingus Vacation Store or Costco Travel. Ireland is great. The people are amazing. Very friendly. They love Americans. Your kids will love walking around Dublin, the leprechaun museum, the Irish Immigration Museum,...
by dm200
Tue Jan 16, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 140
Views: 8318

Re: Stats on When People Take Social Security

If the most recent trends continue that US Life expectancy go down, then I suppose that may be "good" for the financial health of the SS retirement system. :confused

https://www.usatoday.com/story/news/201 ... 970283001/
by dm200
Tue Jan 16, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Self pay vs insurance
Replies: 10
Views: 757

Re: Self pay vs insurance

The primary value of medical insurance is often the negotiated prices for services. Not in my experience. I have insurance, but I always ask them the cash price first, before informing them that I have insurance. The hospital near me (and its associated branches of doctors offices) will give you a ...
by dm200
Tue Jan 16, 2018 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 140
Views: 8318

Re: Stats on When People Take Social Security

Also, the thing is, poor people are generally the ones who die early and vice versa. So maybe everyone is acting rationally.
Good point ...
by dm200
Tue Jan 16, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 140
Views: 8318

Re: Stats on When People Take Social Security

I have been told by the Boglehead moderators that we are not allowed to discuss means testing. As best I understand "the rules" here we certainly can discuss what is in effect today and what is in the law (stautes). There already is (and always has been, to some degree) "means testing" built into t...
by dm200
Tue Jan 16, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 106
Views: 8374

Re: What is the best home exercise equipment?

There are, often, many different types of low cost gyms (and similar) available. Some workplaces offer them (either onsite or at a facility), some healthplans (various types) offer them and some local jurisdictions (like my County) offer them. Ours, as I posted, is a HUGE bargain ($90 annuallky for ...
by dm200
Tue Jan 16, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Reason for Power of Attorney?
Replies: 12
Views: 839

Re: Reason for Power of Attorney?

While, probably, most banks and credit unions will deposit most individually payable checks to a joint account without an endorsement, that is not true of US Treasury checks (such as tax refunds). BOTH parties must endorse (or be done with valid POA).
by dm200
Tue Jan 16, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Reason for Power of Attorney?
Replies: 12
Views: 839

Re: Reason for Power of Attorney?

In OP situation, a Durable POA cannot hurt. For example, in the case of the absence or incapacity of one, there may be financial matters (such as payments to one party) where a joint account may not be completely satisfactory. Let's say an insurance settlement check to a disabled/incapacitated perso...
by dm200
Tue Jan 16, 2018 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Probably simple DAF question
Replies: 3
Views: 123

Re: Probably simple DAF question

mhc wrote:
Tue Jan 16, 2018 10:50 am
Once you donate the money to a DAF, it is no longer your money. Since it is not your money, there are no tax consequences to you if you make changes to where the money is invested.
Think about what DAF stands for. You are merely an advisor to the account. It is not yours.
Right.
by dm200
Tue Jan 16, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Selling one owner car. Give new owner service records?
Replies: 15
Views: 1161

Re: Selling one owner car. Give new owner service records?

J295 wrote:
Tue Jan 16, 2018 10:19 am
Yes. Really helps with sale and very beneficial to new owner.
Yes. If I were a potential buyer, this would be a real plus ...
by dm200
Tue Jan 16, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 140
Views: 8318

Re: Stats on When People Take Social Security

I'm a retired single female,61. I am holding off taking SS until 65 or maybe FRA 66.2 It's not because I am female and might live longer It' not because I am in great health It's not because there is family longevity The reason I am waiting is becausee of health insurance. With such a low income I ...
by dm200
Tue Jan 16, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Selling one owner car. Give new owner service records?
Replies: 15
Views: 1161

Re: Selling one owner car. Give new owner service records?

If the new owner knows where the car was serviced, then the dealer now would have all of that information anyway.

The only things I might mark out is any personal information such as credit card used or home address (if different from current).

I see no harm in providing.
by dm200
Tue Jan 16, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance - Bodily Injury/Physical Damage Liability
Replies: 11
Views: 925

Re: Auto Insurance - Bodily Injury/Physical Damage Liability

No personal experience, but I believe it is not just your current assets you need to protect, but future earnings from lawsuits.