Search found 17068 matches

by dm200
Sun Aug 19, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 55
Views: 2854

Re: PCP Wants Full Charge Up Front [Primary Care Physician]

A few years ago, it was confusing (maybe complex) what the copay should be for each of several physicians I saw. The receptionist would often ask me, "Do you know your copay?" I would say I did not know - and to bill me.

Worked fine.
by dm200
Sun Aug 19, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Apartment Decision After Divorce- Please evaluate my thinking
Replies: 30
Views: 2568

Re: Apartment Decision After Divorce- Please evaluate my thinking

OP again. One more note. I went over to the apartment complex this morning by pure coincidence found out that a renter was getting ready to leave his large top floor apartment. Its 950 square ft, which is more that I think I need. It will probably run $1900 per month, excluding utilities. So call i...
by dm200
Sun Aug 19, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of medical events that may ruin your retirement?
Replies: 64
Views: 3503

Re: What kind of medical events that may ruin your retirement?

Sorry, maybe I did not express my idea clear. I am teaching at school, so I have summer and winter breaks to do many things and have been doing those things, such as visiting all 50 U.S. states and 47 other countries and areas. The only thing that we could not do and may want to do (after reading m...
by dm200
Sun Aug 19, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 54
Views: 3995

Re: Reckless driving ticket in VA-Help!

It’s been years, but I was charged with reckless driving in Northern Virginia for backing up the shoulder lane on I-66. Yes, I was young and stupid. I went to court and there were public defenders wandering around advising people. He told me to plead “guilty with an explanation” and I did. Judge re...
by dm200
Sun Aug 19, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 55
Views: 2854

Re: PCP Wants Full Charge Up Front

I don't think it's appropriate for a primary care doctor. My doctors have never done this and I haven't yet heard any stories from other people. Furthermore, if it happened to me I would definitely call my insurance company and ask "can they do this?" because whatever the law is, it might or might ...
by dm200
Sun Aug 19, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 55
Views: 2854

Re: PCP Wants Full Charge Up Front

I wonder if such a requirement (however 'justified') might violate the terms of insurance - both terms with the patient and with the physician.
by dm200
Sun Aug 19, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Apartment Decision After Divorce- Please evaluate my thinking
Replies: 30
Views: 2568

Re: Apartment Decision After Divorce- Please evaluate my thinking

I once had a coworker whose live in girlfriend had two young children with joint custody with her ex-husband. They chose an apartment complex where the children could easily go back and forth between each parent's apartment.
by dm200
Sun Aug 19, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Car alarm '98 Camry ?
Replies: 26
Views: 966

Re: Car alarm '98 Camry ?

I had a friend who told me a story once about his car alarm would randomly go off in the middle of night occasionally despite no being around. I can't remember if it was a Camry, but his problem was his door sensors were breaking down and would randomly think the door is open (because the sensor wa...
by dm200
Sun Aug 19, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: What kind of medical events that may ruin your retirement?
Replies: 64
Views: 3503

Re: What kind of medical events that may ruin your retirement?

The problem is that we plan to travel around the world at least for the first 5 years in our retirement and will spend very little time in the U.S. Having a U.S. based medical insurance seems to be a waste of money. You plan to be out of the country for 5 straight years? I could not figure out othe...
by dm200
Sat Aug 18, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Apartment Decision After Divorce- Please evaluate my thinking
Replies: 30
Views: 2568

Re: Apartment Decision After Divorce- Please evaluate my thinking

I missed the 4-5 floor part. Is this a concrete building? Ask if they have two open apartments one on top of the other so you can test the noise. Sometimes noise is adjacent apartments. Once lived on second floor of two story building and the walls were thin. Two single women lived in adjacent apar...
by dm200
Sat Aug 18, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of medical events that may ruin your retirement?
Replies: 64
Views: 3503

Re: What kind of medical events that may ruin your retirement?

Alternately, might you spread the travel over a few more years - spending some time each year in the US? Get medical tests, non-emergency procedures, medical visits, etc.
by dm200
Sat Aug 18, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of medical events that may ruin your retirement?
Replies: 64
Views: 3503

Re: What kind of medical events that may ruin your retirement?

Others might have information, but don't some US health insurance companies provide some degree of coverage in some countries?
by dm200
Sat Aug 18, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Apartment Decision After Divorce- Please evaluate my thinking
Replies: 30
Views: 2568

Re: Apartment Decision After Divorce- Please evaluate my thinking

I would think your priorities would be a living arrangement most conducive to being a shared custody parent.
by dm200
Sat Aug 18, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of medical events that may ruin your retirement?
Replies: 64
Views: 3503

Re: What kind of medical events that may ruin your retirement?

We are seriously considering retirement in 1, 2, 3, or more years. The most uncertain thing that prevents us from making a decision is health insurance and health care. After one more year at work (at 55), I will be eligible for buying my current employer's group insurance at about $17,000 a year f...
by dm200
Sat Aug 18, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 54
Views: 3995

Re: Reckless driving ticket in VA-Help!

It's been a lot of years since I got a ticket like that in Virginia, but I definitely showed up in court and did not hire an attorney. Once the officer failed to show up, so the whole thing was dismissed. The other time I was polite and contrite to the judge. He reduced the speed to 44, just under ...
by dm200
Sat Aug 18, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 54
Views: 3995

Re: Reckless driving ticket in VA-Help!

From a stop sign ticket my wife received in this area - she fought it and in every such case that day for stop sign violations - the judge threw out all of the ones that an officer just happened to see, BUT upheld all of the ones where the officers were actually watching the intersection. Were you c...
by dm200
Sat Aug 18, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 54
Views: 3995

Re: Reckless driving ticket in VA-Help!

Bogleheads, Today morning while going to office I got a speeding ticket (46) on speed limit of 25. Speed limit suddenly changes at that place and I was in previous speed flow. It says to go to court. Internet seem to say scary things about reckless driving. I talked to some attorneys and they are c...
by dm200
Sat Aug 18, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Costco penny install sale & road hazard terms
Replies: 29
Views: 2279

Re: Costco penny install sale & road hazard terms

Remember also that, even if plenty of treadlife remaining, "aging" tires should be replaced after about six years. I confess, though, that I go a bit longer ;)
by dm200
Sat Aug 18, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: How to raise cash to pay living expenses in near term (nine months)?
Replies: 26
Views: 1318

Re: How to raise cash to pay living expenses in near term (nine months)?

What is the early withdrawal penalty on the CD? The penalty won't apply to the whole account, but just the part withdrawn. With CD rates so low, that will likely be your least "cost". If you withdraw the whole $50K, you could then put some of it in a 6 month and a 3 month CD, thus still getting som...
by dm200
Sat Aug 18, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: Switch to auto lease after retirement?
Replies: 38
Views: 2707

Re: Switch to auto lease after retirement?

One (of many) aspects of leasing is that of how many miles you put on the car vs "allowable" miles.

If you drive fewer miles, then it seems to me you are paying for miles you do not use. If you drive more miles, you will be charged for those extra miles at lease termination.
by dm200
Fri Aug 17, 2018 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Helping mother-in-law after her husbands passing
Replies: 20
Views: 1308

Re: Helping mother-in-law after her husbands passing

mouses wrote:
Fri Aug 17, 2018 7:50 pm
I think that some life insurance policies that do not pay out in the event of suicide only have that restriction in place for the first year or two.
Yes - that is my understanding. I think there may be some differences in this in different states.
by dm200
Fri Aug 17, 2018 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Helping mother-in-law after her husbands passing
Replies: 20
Views: 1308

Re: Helping mother-in-law after her husbands passing

...Also in question, She thinks he had a policy in place that will allow her to receive 2 years of his salary (not sure)... Sorry for your loss. FYI - It is not unusual for employers to provide group employee life insurance as a tax-free employee benefit. Typically the amount of the insurance is tw...
by dm200
Fri Aug 17, 2018 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 5726

Re: Terminating an employee with company car

That makes perfect sense to me. Common sense tells me if I'm paying for the building, I get to decide what happens on the premises. Permitting employees to bring personal items on-site doesn't create any obligation on my part, other than my not having the moral right to appropriate their stuff. The...
by dm200
Fri Aug 17, 2018 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Helping mother-in-law after her husbands passing
Replies: 20
Views: 1308

Re: Helping mother-in-law after her husbands passing

My father-in-law just passed away unexpectedly over the past weekend. He was the breadwinner of their household, with an estimated salary of around 90k/year. My mother-in-law works as a state farm agent and brings in roughly $2100/month. They want me to help with the financial situation as I'm the ...
by dm200
Fri Aug 17, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: oil pan threads stripped - pan saver okay?
Replies: 33
Views: 1823

Re: oil pan threads stripped - pan saver okay?

They stripped it, they fix it, no? If this was jiffy lube, They might give you static. If it was a dealer, I think you might have a better argument. I don’t know much about pan-savers, but it might could be rethreaded, albeit to a slightly different size. I do my own oil changes now and it is frank...
by dm200
Fri Aug 17, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: Switch to auto lease after retirement?
Replies: 38
Views: 2707

Re: Switch to auto lease after retirement?

What will happen to car usage in retirement? Ours went down a lot - no commuting and not as many trips to relatives (many have died). Older cars work for us.
by dm200
Fri Aug 17, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Financially Wise to Help Adult Child Buy Larger House
Replies: 18
Views: 2010

Re: Financially Wise to Help Adult Child Buy Larger House

No expert on dementia - but one question (of many) I would ask is how (good or bad) relocating will affect the dementia. It will be very new and different surroundings - but added family.
by dm200
Fri Aug 17, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Non-owner contributing to home renovations: what's fair?
Replies: 39
Views: 2305

Re: Non-owner contributing to home renovations: what's fair?

My partner and I separately own our own homes and split time between them. We are in a fulfilling and committed relationship, and have no plans to get married. We do not commingle our finances and have no plans to. We are both perfectly happy with this arrangement. We're thinking about doing some r...
by dm200
Fri Aug 17, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: physics/math major looking for programmer/analyst job?
Replies: 75
Views: 3257

Re: physics/math major looking for programmer/analyst job?

You mentioned he did not fare well during the interview.... How so? Technical questions, open ended questions, personality questions? Interviewing is a skill and sometimes it just takes practice. Sure is (good and bad experiences) One pattern to be prepared for is to always be able to back up what ...
by dm200
Fri Aug 17, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Free Tire Change of Flat
Replies: 13
Views: 995

Re: Free Tire Change of Flat

AAA will come to where your car is when you have a flat and change it for you. This may be important to you but has great value to those who cannot change a flat, i.e. my wife and daughter . They will also come to you when you have a dead battery or have locked your keys in your car. These things d...
by dm200
Fri Aug 17, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: Car alarm '98 Camry ?
Replies: 26
Views: 966

Re: Car alarm '98 Camry ?

sport wrote:
Fri Aug 17, 2018 2:14 pm
Perhaps the alarm is supposed to go off when you use the key to unlock the door. The malfunction might be when it does not go off.
We shall see. I believe using the key should be ok.
by dm200
Fri Aug 17, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off personal loan at house closing?
Replies: 12
Views: 831

Re: Pay off personal loan at house closing?

Don't know but one possibility is that by paying you back this way it is 100% documented that there are no undisclosed loans outstanding by the seller or that, if disclosed, such loan is paid off.
by dm200
Fri Aug 17, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 103
Views: 6461

Re: Using ACA for early retirement years

A wndhen it comes staying healthy, of course you'd want to exercise and eat well. But there's this magical thinking going around that if you take care of yourself, you won't get sick (I'm not making this up). The fact is that there are plenty of people who wake up thinking it's just going to be ano...
by dm200
Fri Aug 17, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: physics/math major looking for programmer/analyst job?
Replies: 75
Views: 3257

Re: physics/math major looking for programmer/analyst job?

This goes back many decades, when there were still punched cards and tape drives - One of my coworkers (in the 1970's) had gone to Medical School and (I believe) internship - BUT then decided he would rather be an IBM system programmer. I don't know what kind of a Doctor he would have been - but he ...
by dm200
Fri Aug 17, 2018 2:42 pm
Forum: Investing - Theory, News & General
Topic: Is President Jimmy Carter a Boglehead?
Replies: 22
Views: 1711

Re: Is President Jimmy Carter a Boglehead?

I am sure most of us know friends, family members, neighbors, etc. who display financial and community responsibility in their older years. Most that I have known over the years seem to be happy with their lifestyle.
by dm200
Fri Aug 17, 2018 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: physics/math major looking for programmer/analyst job?
Replies: 75
Views: 3257

Re: physics/math major looking for programmer/analyst job?

There are plenty of federal government jobs for new graduates with degrees in mathematics. Even if a long-term government career does not appeal to him, he can get training in IT or data analysis for a few years. He should check out usajobs.gov Tell him to do a search on “mathematics” Here is one j...
by dm200
Fri Aug 17, 2018 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Helping elderly mother with her finances - 2 issues
Replies: 17
Views: 1631

Re: Helping elderly mother with her finances - 2 issues

Hi WillRetire - the figures already included social security. Her health care is through Medicare and she pays $91 per month for the supplement "Part D" plan that (as we understand) greatly reduces the cost of several prescriptions that would be pricey if she did not have this. Thanks for the advic...
by dm200
Fri Aug 17, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Financially Wise to Help Adult Child Buy Larger House
Replies: 18
Views: 2010

Re: Financially Wise to Help Adult Child Buy Larger House

Maybe I missed it, but what do they want to do?

I might also suggest that if such accommodations are acquired, they are useful to them after you are gone.
by dm200
Fri Aug 17, 2018 2:09 pm
Forum: Investing - Theory, News & General
Topic: Is President Jimmy Carter a Boglehead?
Replies: 22
Views: 1711

Re: Is President Jimmy Carter a Boglehead?

Carter doesn’t even have federal retirement health benefits because he worked for the government for four years — less than the five years needed to qualify, according to the GSA. He says he receives health benefits through Emory University, where he has taught for 36 years." He was in the navy > 4...
by dm200
Fri Aug 17, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: Car alarm '98 Camry ?
Replies: 26
Views: 966

Re: Car alarm '98 Camry ?

OK - I am not doing the exact same process every time. I open the drivers side with the key and immediately get in and start the car.

My guess is that there is something different I do or not do. Been doing this for 3 days - no alarm.
by dm200
Fri Aug 17, 2018 2:02 pm
Forum: Investing - Theory, News & General
Topic: Is President Jimmy Carter a Boglehead?
Replies: 22
Views: 1711

Re: Is President Jimmy Carter a Boglehead?

Apparently, he is not incurring several potential large major income needs - divorce payments for ex-wives and dating expenses.
by dm200
Fri Aug 17, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: Is President Jimmy Carter a Boglehead?
Replies: 22
Views: 1711

Re: Is President Jimmy Carter a Boglehead?

Carter doesn’t even have federal retirement health benefits because he worked for the government for four years — less than the five years needed to qualify, according to the GSA. He says he receives health benefits through Emory University, where he has taught for 36 years." He was in the navy > 4...
by dm200
Fri Aug 17, 2018 1:59 pm
Forum: Investing - Theory, News & General
Topic: Is President Jimmy Carter a Boglehead?
Replies: 22
Views: 1711

Re: Is President Jimmy Carter a Boglehead?

Rupert wrote:
Fri Aug 17, 2018 1:42 pm
BIGal wrote:
Fri Aug 17, 2018 1:31 pm
I thought politics was a no, no in this forum??
I don't think the story is about politics. It's about how one former politician lives frugally. There have been hundreds of similar threads devoted to Warren Buffett, who lives a similar lifestyle (at least sometimes).
Yes.
by dm200
Fri Aug 17, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: physics/math major looking for programmer/analyst job?
Replies: 75
Views: 3257

Re: physics/math major looking for programmer/analyst job?

It would be a bit of a change, but if his aptitude and personality fit, it can be financially worthwhile to get into a sales support position - where you help the employer get IT business and once they get it, you help the company live up to what the Sales folks promised. Had several jobs like that ...
by dm200
Fri Aug 17, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Seattle- mandatory affordable housing units affect single family home values?
Replies: 45
Views: 2747

Re: Seattle- mandatory affordable housing units affect single family home values?

In our single family neighborhood, where lots are about 6,000 sq ft - we could have a new, tall large house build within 10 ft of the line and have 30-40 ft house built there. That happened to our neighbor next door.
by dm200
Fri Aug 17, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance - Total vs Partial/Residual Disability
Replies: 9
Views: 425

Re: Disability Insurance - Total vs Partial/Residual Disability

No experience, but I think I might go with insurance that addresses the particular employment niche or specialty - such as Physicians, Surgeons, etc. I suppose that there are some medical specialties where being "disabled" from some aspect may bot reduce income very much at all.
by dm200
Fri Aug 17, 2018 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest Home Insurance ?
Replies: 18
Views: 1508

Re: Cheapest Home Insurance ?

You may want to reconsider your approach to insurance and instead focus on value. When I pay premiums, I'm doing so based on the expectation that the company will be solvent (able to pay for the damages I cause), provide outstanding claims service, and answer any premium / coverage related question...
by dm200
Fri Aug 17, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Negative Insurance Discount with United Health Care and Sentara
Replies: 40
Views: 1951

Re: Negative Insurance Discount with United Health Care and Sentara

Is it possible this is an in vs out of network issue? Or confusion about that??

Having the normal provider and insurance the same nearly eliminates this problem for us.
by dm200
Fri Aug 17, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: physics/math major looking for programmer/analyst job?
Replies: 75
Views: 3257

Re: physics/math major looking for programmer/analyst job?

- he’d love to get an ms but doesn’t have a $ to his name Most engineering (and probably CS) graduate programs will be funded. Usually covers tuition and a salary - he won't get rich, but usually enough to live on without taking a 2nd job. My data might be dated - at the time I went through, most M...