Search found 16597 matches

by dm200
Sat Jul 21, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Family Foundation - Best way forward
Replies: 14
Views: 624

Re: Charitable Family Foundation - Best way forward

Or, perhaps, eliminate the middleman DAF and become active in an existing charitable entity - like our group that directly aids the remote community in a third world country. We would , for example, probably welcome a committee participant who also made donations and could actively participate in th...
by dm200
Sat Jul 21, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Unpermitted structure - options?
Replies: 22
Views: 1416

Re: Unpermitted structure - options?

Not sure if I understood your meaning, but I wasn't in the least surprised about the religious need.


Just never had thought of that need. Not surprised, though - since I am generally aware of this kind of practice.
by dm200
Sat Jul 21, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Family Foundation - Best way forward
Replies: 14
Views: 624

Re: Charitable Family Foundation - Best way forward

I would like seek advice from lawyer colleagues on this forum with regard to establishing a charitable family foundation. I am a surgeon by trade and plan to start a family foundation for charitable purposes during my retirement life. Desire to start a foundation as opposed to giving to established...
by dm200
Sat Jul 21, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Unpermitted structure - options?
Replies: 22
Views: 1416

Re: Unpermitted structure - options?

We have no idea about the several neighbors who need two kitchens for religious reasons.

But he did NOT have an answer about the "religious need for a second kitchen", which just surprised me.
Oh yes - that may be a "need" or desire for some ...
by dm200
Sat Jul 21, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 146
Views: 10071

Re: What I spent in 6 months on medicare

Wife and I are on a Humana Medicare Advantage PPO plan, which means no referrals are necessary. Anywhere near the larger metropolitan areas in Florida, there are plenty of Medicare services available. We pay the Medicare Part B charge of $134/month. Then, we either pay zero for my retiree insurance...
by dm200
Sat Jul 21, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Unpermitted structure - options?
Replies: 22
Views: 1416

Re: Unpermitted structure - options?

I don't know all the details of this unit, but our neighbors (single family area) built (I assume all legal) a separate small building for the husband's "home office" (he works from home). It is big enough (and has a bathroom, etc.) that someone could live in it. Our locality has also moved towards ...
by dm200
Sat Jul 21, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Unpermitted structure - options?
Replies: 22
Views: 1416

Re: Unpermitted structure - options?

Yes - I agree with consulting an applicable attorney about the issue. I would also try to get "creative" in way(s) of using the structure - legally. Maybe some kind of "home office"? Is the actual structure not legal - or its use as separately rented out as a residence? I would also find out (from a...
by dm200
Sat Jul 21, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: do i need a lawyer when applying for a HELOC?
Replies: 12
Views: 1060

Re: do i need a lawyer when applying for a HELOC?

I think the main idea here is that you can choose the settlement attorney - might or might not cost more.
by dm200
Fri Jul 20, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 146
Views: 10071

Re: What I spent in 6 months on medicare

ok - how do these providers (for Medicare patients) get compensated for these services? They don't. They had no choice in the matter. Either comply with the law, or risk losing their Medicare/Medicaid. https://www.usfhealthonline.com/resources/healthcare/electronic-medical-records-mandate/ OK - the...
by dm200
Fri Jul 20, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 146
Views: 10071

Re: What I spent in 6 months on medicare

... not "unique" that there is no charge. What is, I think, uncommon though is offering such responsiveness and encouraging it. Somehow, my Medicare plan has figured out how to make such no charge services financially viable. No, not uncommon at all. Your MA plan is just going with the times. Aroun...
by dm200
Fri Jul 20, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 146
Views: 10071

Re: What I spent in 6 months on medicare

....friend on the same medicare plan refuses to use email to communicate with her Physician (only in person appointment). I save many trips in person every year with email (NO CHARGE). ........... Nothing unique or special about that. Medicare can only be billed for face-to-face patient visits. No ...
by dm200
Fri Jul 20, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 146
Views: 10071

Re: What I spent in 6 months on medicare

Oh, yes - sure has. In my opinion, no matter what the situation, there are probably ways to get better value in many cases. Well I don't know just what you mean by that. No matter what the situation? Ways to get better value? All I can think of as it applies to many folks - switching from F to G. O...
by dm200
Fri Jul 20, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: do i need a lawyer when applying for a HELOC?
Replies: 12
Views: 1060

Re: do i need a lawyer when applying for a HELOC?

subject says it all. i'm reviewing all the documents, and everything seems fine, until i saw a notice that i have a right to my own attorney. part of me says, i should "just in case", but the other part of me it saying it's a waste of money. i'm applying via third federal if that makes a difference...
by dm200
Fri Jul 20, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 146
Views: 10071

Re: What I spent in 6 months on medicare

........ My opinion is that a great many Medicare recipients do not fully receive the best value and/or make choices that are not the "optimum". Has it occurred to you that many of us had little choice in the matter when turning 65? In my county, in 2014, know how many MA plans were offered? None. ...
by dm200
Fri Jul 20, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 146
Views: 10071

Re: What I spent in 6 months on medicare

I have spent well over the past two decades with a managed but serious health condition. As I take total responsibility for my own health care, there is no "bringing them up to speed". I simply educate any health care provider as a situation warrants. An example of this is during elder hospice care...
by dm200
Fri Jul 20, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Fence question
Replies: 18
Views: 1513

Re: Fence question

Whatever and wherever you build your fence, I would try to have it sectioned to allow you to access behind it.
by dm200
Fri Jul 20, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: State Farm - safe driving discount ??
Replies: 21
Views: 798

Re: State Farm - safe driving discount ??

Its all using GPS....crazy accurate!
sure is - amazing
by dm200
Fri Jul 20, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: State Farm - safe driving discount ??
Replies: 21
Views: 798

Re: State Farm - safe driving discount ??

If you really are a good driver, it can save you money. It monitors all sorts of stuff though, e.g., if you speed, how hard you brake. Personally, the Big Brother aspect of it gives me the willies, and I wouldn't do it for that reason alone. I haven't looked into this recently, but I don't think, h...
by dm200
Fri Jul 20, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: State Farm - safe driving discount ??
Replies: 21
Views: 798

Re: State Farm - safe driving discount ??

If you really are a good driver, it can save you money. It monitors all sorts of stuff though, e.g., if you speed, how hard you brake. Personally, the Big Brother aspect of it gives me the willies, and I wouldn't do it for that reason alone. Totally agree. Way too creepy for me and not worth the sa...
by dm200
Fri Jul 20, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: State Farm - safe driving discount ??
Replies: 21
Views: 798

State Farm - safe driving discount ??

Received from State Farm - 2 cars - 2 drivers - good claims record - no recent traffic violations - drive each car about 5-6,000 miles/year. Should we do this?? Any first hand experience?? You should be rewarded for driving safely. You do your best to drive well, and we appreciate that. When you enr...
by dm200
Thu Jul 19, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement plans, 3 day rule, and coverage of Skilled Nursing facilities
Replies: 15
Views: 716

Re: Medicare Supplement plans, 3 day rule, and coverage of Skilled Nursing facilities

Life used to be simpler - unless you were unconscious - you knew whether you were "in" the hospital or were "not in" the hospital.
by dm200
Thu Jul 19, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 65
Views: 3254

Re: 35 minute connection for flight, long enough?

I have taken flights where they hold the departing flight when there are a number of arrivals coming in on the same airline.
by dm200
Thu Jul 19, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 65
Views: 3254

Re: 35 minute connection for flight, long enough?

I'm booking our Christmas flights. Is a 35 minute connection in Denver long enough? Seems like a close call, but all the other flight schedules are terrible and costly. It's United. Second, I've got a bunch of Chase rewards, should I got through the Ultimate rewards website or transfer to United? S...
by dm200
Thu Jul 19, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get a warranty for my new glasses?
Replies: 24
Views: 1127

Re: Should I get a warranty for my new glasses?

I wear glasses 99% of every day - and have done so for 60+ years. For the last 20+ - they have been progressives.
by dm200
Thu Jul 19, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Fence question
Replies: 18
Views: 1513

Re: Fence question

We are moving in a couple weeks and I am trying to set up a fence install soon after we move in. One of the side neighbors has a black ornamental 4 foot fence that is setback about a foot from the property line. We want to install a 6 foot vinyl privacy fence on all sides of the back yard which cre...
by dm200
Thu Jul 19, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30315

Re: Concierge medicine Worth It????

Different matter, but let me give an example of my previous Primary Care Physicians' (4 Internists) practice - and how the business manager there suggested something that save me a few dollars - I left that practice seven years ago to return to Kaiser - and I needed/wanted my relevant medical record...
by dm200
Thu Jul 19, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Should I get a warranty for my new glasses?
Replies: 24
Views: 1127

Re: Should I get a warranty for my new glasses?

I would think $300 - not $600. After all it is unlikely you BOTH would have a claim at the same time.

I skip this - and (as best I recall) have never had a situation that would have been covered - and have worn glasses for 60+ years.

My wife, however, likes to buy this kind of insurance/warranty.
by dm200
Thu Jul 19, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Auto Insurance, best way to compare
Replies: 13
Views: 1089

Re: Auto Insurance, best way to compare

Thank you all for the additional info. Sheepdog-appreciate the link to that insurance thread. Will check it out. DM200- Good point about reviewing coverage and costs to make sure properly insured and not paying more than needed, however I'm not really sure how to estimate. We're probably over insur...
by dm200
Thu Jul 19, 2018 8:38 am
Forum: Investing - Theory, News & General
Topic: Some 'hints' about brokered CDs
Replies: 45
Views: 8776

Re: My first brokered CD order...UPDATE

My original contribution...long and boring...above: https://www.bogleheads.org/forum/viewtopic.php?p=4014281#p4014281 Short version: I bought my 1st brokered CDs for a Roth from Vanguard....details in link above. I also learned... Vanguard posts a daily value for my brokered CDs; I guess from any b...
by dm200
Wed Jul 18, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Vacation Ideas like Alaskan Cruises
Replies: 11
Views: 884

Re: Vacation Ideas like Alaskan Cruises

Never took an Alaska cruise - but have taken two Bermuda cruises. We loved both of them!!
by dm200
Wed Jul 18, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30315

Re: Concierge medicine Worth It????

No personal experience with Original Medicare - but it seems to me that Physicians with patients on Original medicare might give a heads up to any such patients who do not have a Medigap policy of the potential high risks of costs. Hmmm interesting you think physicians know about these things, and ...
by dm200
Wed Jul 18, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Auto Insurance, best way to compare
Replies: 13
Views: 1089

Re: Auto Insurance, best way to compare

Thank you for the replies. Any reliable quick way to first make comparisons before checking with companies individually? If you have not already done so - do a review of coverage and costs to make sure you are properly insured and are not paying for more amounts and things than you need and want. W...
by dm200
Wed Jul 18, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Auto Insurance, best way to compare
Replies: 13
Views: 1089

Re: Auto Insurance, best way to compare

sport wrote:
Tue Jul 17, 2018 7:56 pm
There are often (usually?) discounts for multiple policies. So, shop all your policies when you compare rates.
This is the case with our State Farm policies - auto and homeowners for 40+ years
by dm200
Wed Jul 18, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30315

Re: Concierge medicine Worth It????

No personal experience with Original Medicare - but it seems to me that Physicians with patients on Original medicare might give a heads up to any such patients who do not have a Medigap policy of the potential high risks of costs. Hmmm interesting you think physicians know about these things, and ...
by dm200
Wed Jul 18, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Wills
Replies: 54
Views: 2752

Re: Wills

I am 60 married and have 2 adult children. My desire is for my husband to inherit everything and trust him to make sure my 2 children inherit everything 50/50 after he dies. I don't foresee any squabbling about this. I checked my state, Ohio, and if I die without a will, that is what the law says t...
by dm200
Tue Jul 17, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9075

Re: Why own a bed?

Grt2bOutdoors wrote:
Tue Jul 17, 2018 6:52 pm
I prefer to stay married. The price of a bed is far cheaper than the alternative.
:D
by dm200
Tue Jul 17, 2018 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Wills
Replies: 54
Views: 2752

Re: Wills

The state always sends to the spouse first and then the kids. Unless you are giving to somebody else those rules make pretty good sense for the majority of people. If you have all of your accounts in TODs (you can split a checking account into multiple people) and beneficiaries on most everything e...
by dm200
Tue Jul 17, 2018 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring money from Canada - Wait for exchange rate to improve?
Replies: 11
Views: 380

Re: Transferring money from Canada - Wait for exchange rate to improve?

At one point many years ago - I recall traveling in canada when the ration was 1:1 - and then there were times when it was better.
by dm200
Tue Jul 17, 2018 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Wills
Replies: 54
Views: 2752

Re: Wills

I don't have a lawyer. How do you find a good lawyer? Ask for recommendations from your financial adviser, accountant, banker, or those friends who advised you that you need a will. Ensure the lawyer specializes in estate planning and wills - not other unrelated specialties absolutely - and does (r...
by dm200
Tue Jul 17, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30315

Re: Concierge medicine Worth It????

The risk of having no MediGap and no Medicare Advantage plan is there is NO cap for your out of pocket medical expenses with regular Medicare A&B. Having a MediGsp or Medicare Advantage plan would cap your out of pocket. 20% of a huge medical bill is still a huge $$$$$. . . . the 20% is only a part...
by dm200
Tue Jul 17, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9075

Re: Why own a bed?

Are there any good reasons to own a bed? Why not just sleep on a mattress on the floor (I think the Japanese do that?) instead of paying hundreds or thousands of dollars to sleep a few feet off the ground? If such a person is single and interested in a relationship, this "choice" could be damaging ...
by dm200
Tue Jul 17, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30315

Re: Concierge medicine Worth It????

No personal experience with Original Medicare - but it seems to me that Physicians with patients on Original medicare might give a heads up to any such patients who do not have a Medigap policy of the potential high risks of costs.
by dm200
Tue Jul 17, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Class Reunion Fund: How to Hold and Where to Invest?
Replies: 14
Views: 754

Re: Class Reunion Fund: How to Hold and Where to Invest?

If the amount is $1,200 and it is to be used in ten years for another class reunion, the best thing to do with it would be to donate the money, preferably to the school or possibly for something related to education or related to the place the school is located. Could be used to buy something perma...
by dm200
Tue Jul 17, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Croatia/Slovenia/Montenegro - 8 days
Replies: 7
Views: 613

Re: Croatia/Slovenia/Montenegro - 8 days

Small suggestion - if you do not know the languages there, and any of the languages on this trip do not use the Latin alphabet - then it is probably Cyrillic (used in Russian, for example). Take 15 minutes and learn to transliterate Cyrillic to the latin alphabet - can help a lot. I did not know thi...
by dm200
Tue Jul 17, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Wills
Replies: 54
Views: 2752

Re: Wills

The biggest hurdle for us (and the reason we waited so long), was deciding who we wanted to become guardians for our children. IMO, that should never be a cause to not do a will. It was never apparent to DW and I who this would be when our child(ren) were young. We did the wills/trusts - and if we ...
by dm200
Tue Jul 17, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Wills
Replies: 54
Views: 2752

Re: Wills

I don't have a lawyer. How do you find a good lawyer? Ask friends, acquaintances, stc. Look for advserisements. Get an experienced estate planning attorney who deals with folks like you. Ask the following questions: 1. Do you do estates, wills trusts as a major part of your practice? MUST BE YES an...
by dm200
Tue Jul 17, 2018 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Wills
Replies: 54
Views: 2752

Re: Wills

Yes - you and spouse need wills! Many issues here - one is that if you die (or spouse dies) you almost certainly want the surving spouse to have (or have control of) the money you have. You do not want large amounts tied up for your children. In fact, you do have a will - one drawn up by your state ...
by dm200
Tue Jul 17, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30315

Re: Concierge medicine Worth It????

Nice! We both have CareFirst BCBS. I don't have anything like what she has with concierge. I can see my primary care doc during office hours - usually the same day if I need to. For anything urgent there is an unaffiliated urgent care near my house and an ER a bit further away. I have no access to ...
by dm200
Tue Jul 17, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Where to get a $100 bill?
Replies: 49
Views: 4930

Re: Where to get a $100 bill?

I would take 5 $20s to the nearest bank. Would any bank seriously not just give you a $100 bill in this scenario? I guess I don’t do that much business in banks but where I’m from I think any bank would happily exchange your bills and offer your kids a lollipop before you go. Are you sure about tha...
by dm200
Tue Jul 17, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30315

Re: Concierge medicine Worth It????

I'm not a doc, but my wife is a concierge patient so I thought I could help clear up how the financial side works. It's a fee. She pays $2100 per year out of pocket just to be a patient of the concierge practice. That does not include any medical services. She does get a fancy parking permit so she...