Search found 18137 matches

by dm200
Mon Oct 15, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3745
Views: 1066370

Re: What Movie Have You Recently Watched?

Chappaquiddick. Film attempts to chronicle the kennedy family and democrat party cover up in the death of Mary Jo Kopechne. OK - your opinions are fine with me. I suggest, though, using the correct words. The party is the Democratic party and a person who belongs to that party is a Democrat .
by dm200
Mon Oct 15, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 104
Views: 5944

Re: Road trip Newark NJ to Albany

Well we just got back from our trip.16 hotel nights and 24 hours on airplanes.Paris was awesome but will skip that because this thread was not about Paris. Here is my take on the various places we saw. Berkshires.....Beautiful scenery but the towns were much smaller than anticipated.Nice but not gr...
by dm200
Mon Oct 15, 2018 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 77
Views: 4600

Re: When to stop putting money into an older vehicle

Thumb rule I use (no idea where I got it): If I think $1,000 buys me 10,000 miles before the next significant repair (exclude the usual consumables), it is worth it. I don't care about the car's trade-in value. The only question I ask of an older vehicle is "how far will it get me before I haul it ...
by dm200
Mon Oct 15, 2018 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Have you annuitized some of your money?
Replies: 67
Views: 5295

Re: Have you annuitized some of your money?

I like the idea of an annuity, plus SS, covering my base expenses. I'f I'm lucky enough to live to 110 I like the idea I'll not have to worry about completely running out of money. Fun money I'll keep invested about 50/50. Life is a gamble, I could die tomorrow, more likely in 20-30 years. As someb...
by dm200
Mon Oct 15, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 5557

Re: What the heck is growing in my yard?

Moneta wrote:
Mon Oct 15, 2018 5:31 pm
A morel mushroom appeared in my yard. I sliced it up and sautéed it in butter. It was delicious!
Glad, for you, it wasn't a toadstool..
by dm200
Mon Oct 15, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 77
Views: 4600

Re: When to stop putting money into an older vehicle

Having said that, I do agree with you that safety features take longer to make big jumps. They may not be worth to some, but they are to me and my family. That is what I am comfortable doing, and I understand it may be a subjective thing. What I find "interesting" and, on balance, good is that cons...
by dm200
Mon Oct 15, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Kaiser or CareFirst
Replies: 29
Views: 1344

Re: Kaiser or CareFirst

I'm switching jobs in the next few months and taking a federal job in the Washington DC area. I've always had CareFirst and my spouse uses Kaiser. The federal government offers excellent coverage and rates for plans with both providers so we'd like to get on the same plan going forward. My spouse l...
by dm200
Mon Oct 15, 2018 5:17 pm
Forum: Investing - Theory, News & General
Topic: Moneytalk with Bob Brinker coming to an end
Replies: 68
Views: 8301

Re: Moneytalk with Bob Brinker coming to an end

anyone follow his "portfolios" -- been a long time - but I recall he claimed following them would make you money. I think you had to pay a fee to subscribe?
by dm200
Mon Oct 15, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: short term insurance between jobs
Replies: 5
Views: 196

Re: short term insurance between jobs

COBRA? COBRA Consolidated Omnibus Reconciliation Act (1985). It's the law that requires employers (those with at least 20 employees) to offer employees the right to continue on their medical plan up to 18 months. As PJW noted, there is normally a 60 period to elect coverage from either your last da...
by dm200
Mon Oct 15, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: trip to Grand Cayman & dieting
Replies: 34
Views: 2038

Re: trip to Grand Cayman & dieting

The term "diet" often means a way of eating that will end if/when the person achieves some goal OR gives up. In my opinion, they don't work long term. What I have done is change my eating to something that, more or less, I will do the rest of my life. I would look for ways of eating fruits and veget...
by dm200
Mon Oct 15, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4591

Re: Keep a backup hot water heater?

Sometimes - there are sales and good deals on water heaters as well. They may include (or discount) the installation.
by dm200
Mon Oct 15, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Placing mother in nursing home - advice
Replies: 24
Views: 2546

Re: Placing mother in nursing home - advice

We have a situation where my sister has been a full-time caretaker for my mother, who is in her 80's, disabled and in a wheelchair, and needs catheterizing, help preparing meals, etc. My sister's son recently had a baby, and my sister is adamant about putting my mother in a nursing home, moving to ...
by dm200
Mon Oct 15, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: short term insurance between jobs
Replies: 5
Views: 196

Re: short term insurance between jobs

Are you eligible for COBRA continuation insurance? The way Congress wrote the law you have 60 days to decide whether to buy it, and expenses incurred during that time are covered if you end up deciding yes. That would neatly cover your gap, if available. PJW Yes - I would go with COBRA. The other f...
by dm200
Mon Oct 15, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to get a Federal Job
Replies: 22
Views: 2803

Re: Trying to get a Federal Job

It is, I believe, important to know and understand that federal employee pay raises are (or can be) in the budget approved by Congress and signed by the President (or otherwise take effect).
by dm200
Mon Oct 15, 2018 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Kaiser or CareFirst
Replies: 29
Views: 1344

Re: Kaiser or CareFirst

Some married folks like to have the same Primary Care Physician -- and some do not. My wife and I, 40+ years of marriage, have only had the same PCP for a brief one year period. We have very different interpretations and perceptions of the various types of Physicians - not sure why exactly. Perhaps ...
by dm200
Mon Oct 15, 2018 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Have you annuitized some of your money?
Replies: 67
Views: 5295

Re: Have you annuitized some of your money?

I have trust issues with insurance companies. Don't think I will ever annuitize anything. My distrust is not strong but I get this. There is fear in everything. In a way I would like to put all the money in a structure I've read about. I think it is a custodial trust IRA type of thing. From there I...
by dm200
Mon Oct 15, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3745
Views: 1066370

Re: What Movie Have You Recently Watched?

I continue to be puzzled at the generally high cost of going to the movies in person. Maybe I am just living in the past.. :oops:
by dm200
Mon Oct 15, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Went part time - health ins premiums staying same for 2018 due to ACA
Replies: 8
Views: 436

Re: Went part time - health ins premiums staying same for 2018 due to ACA

Not what I meant. Let me try again. There is probably a pert-time thresshold where the employer provides health insurance benefits. Suppose that thresshold is 20 hours per week. Might the employer only allow you to work less than the 20? At < 24 hours/week, I would be considered a casual employee, ...
by dm200
Mon Oct 15, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: Went part time - health ins premiums staying same for 2018 due to ACA
Replies: 8
Views: 436

Re: Went part time - health ins premiums staying same for 2018 due to ACA

Maybe your part-time hours are at or above the thresshold where the employer provides such benefits. Nope, for benefits, my employer considers full time to be 35 hours/week. I work 24 hours/week. Not what I meant. Let me try again. There is probably a pert-time thresshold where the employer provide...
by dm200
Mon Oct 15, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3745
Views: 1066370

Re: What Movie Have You Recently Watched?

DW and I watched "Mama Mia....Here We Go Again" on Friday night........ It was very good.....not as good as the first "Mama Mia"....but still very entertaining. Didn't realize that Meryl Streep was not in the second movie until we started watching it. She was at top performance in the first one,......
by dm200
Mon Oct 15, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: Went part time - health ins premiums staying same for 2018 due to ACA
Replies: 8
Views: 436

Re: Went part time - health ins premiums staying same for 2018 due to ACA

Seems to me a possible risk (because of the employer costs) is a further reduction in part time hours.
by dm200
Mon Oct 15, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Went part time - health ins premiums staying same for 2018 due to ACA
Replies: 8
Views: 436

Re: Went part time - health ins premiums staying same for 2018 due to ACA

I recently went part time, and was expecting my health insurance premiums to increase because my employer does not subsidize them as much for part-timers as full-timers (a "part-time surcharge"). However, my HR benefit adjustment letter stated that I will still be charged the lower full-time health...
by dm200
Mon Oct 15, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 5557

Re: What the heck is growing in my yard?

dm200 wrote:
Mon Oct 15, 2018 2:51 pm
No experience - but I think I would distinguish eating "roadkill" between a very recently killed deer and things like squirrels, raccoons and woodchucks. :D
Pheasant (freshly killed) would seem OK to me.
by dm200
Mon Oct 15, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 5557

Re: What the heck is growing in my yard?

No experience - but I think I would distinguish eating "roadkill" between a very recently killed deer and things like squirrels, raccoons and woodchucks. :D
by dm200
Mon Oct 15, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 77
Views: 4600

Re: When to stop putting money into an older vehicle

Earl Lemongrab wrote:
Mon Oct 15, 2018 2:12 pm
delamer wrote:
Sun Oct 14, 2018 1:55 pm
First, I would not drive a 15 year old vehicle. There have been too many safety improvements in the intervening years.
Whew! Glad you didn't tell me when the Bronco was 15 years old. Now it's 23, so I don't need to worry.
:happy
by dm200
Mon Oct 15, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Placing mother in nursing home - advice
Replies: 24
Views: 2546

Re: Placing mother in nursing home - advice

We have a situation where my sister has been a full-time caretaker for my mother, who is in her 80's, disabled and in a wheelchair, and needs catheterizing, help preparing meals, etc. My sister's son recently had a baby, and my sister is adamant about putting my mother in a nursing home, moving to ...
by dm200
Mon Oct 15, 2018 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Kaiser or CareFirst
Replies: 29
Views: 1344

Re: Kaiser or CareFirst

I'm switching jobs in the next few months and taking a federal job in the Washington DC area. I've always had CareFirst and my spouse uses Kaiser. The federal government offers excellent coverage and rates for plans with both providers so we'd like to get on the same plan going forward. My spouse l...
by dm200
Mon Oct 15, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: Reducing overall medical costs. Do we do anything?
Replies: 67
Views: 2976

Re: Reducing overall medical costs. Do we do anything?

One, of many I believe, reason for high US Medical costs is overuse of services. While what any one individual does or does not do is a drop in the bucket, if more of us change things - then maybe it will help. If it makes no difference to us financially, are there any things we, as individuals, do...
by dm200
Mon Oct 15, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to get a Federal Job
Replies: 22
Views: 2803

Re: Trying to get a Federal Job

The best thing about working for the Federal Gov't is that you won't get laid off. Job security is everything. What good is a job if you are forced into retirement in your 40s? Or how about if your working life is peppered with multiyear spans of unemployment? Go with the Fed job and don't look bac...
by dm200
Mon Oct 15, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 77
Views: 4600

Re: When to stop putting money into an older vehicle

Regarding safety issues, two questions: 1. For those of us who have been driving without the latest and greatest safety features for many decades, are they as important for us? 2. Objectively, if you compare "safety" of a mid 1960's car to mid 1990's car - is there more of an improvement than from ...
by dm200
Mon Oct 15, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security [impact of earnings on benefits]
Replies: 19
Views: 1730

Re: social security

Im retired and going to take my social security early at 62 . If I decide to go back to work part time and earn over 17000 a year I will have to pay back 50% of my earnings over 17000. Will I be able to earn more than 17000 when I reach full retirement at 66.5 ? Is that 17000 only earned income ? I...
by dm200
Mon Oct 15, 2018 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 77
Views: 4600

Re: When to stop putting money into an older vehicle

We will soon be facing replacing timing belts on both of our older Camrys. Have not failed yet :)

From almost everything I read, it is almost always worth doing (replace water pump at the same time)
by dm200
Mon Oct 15, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 77
Views: 4600

Re: When to stop putting money into an older vehicle

This! I would not drive a car that old, and would probably replace a vehicle that is say 10 or so years old with newer. I worry that even though the vehicle may be reliable I'll miss out on new safety features. I have a 2003 vehicle too and am facing a repair issue which might be costly. I don't co...
by dm200
Mon Oct 15, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Application Form Ideas
Replies: 9
Views: 494

Re: Rental Application Form Ideas

Hey, a little while back I posted about renting a property and received some great feedback. I'm moving forward with the process (slowly) and am wondering if anyone has ideas on how to create a rental application form (basically a sheet for perspective tenants to fill out). If anyone has done this ...
by dm200
Mon Oct 15, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 77
Views: 4600

Re: When to stop putting money into an older vehicle

First, I would not drive a 15 year old vehicle. There have been too many safety improvements in the intervening years. This! I would not drive a car that old, and would probably replace a vehicle that is say 10 or so years old with newer. I worry that even though the vehicle may be reliable I'll mi...
by dm200
Mon Oct 15, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 77
Views: 4600

Re: When to stop putting money into an older vehicle

Back when I was employed (needed car to get to work) and had child(ren), we had a family minivan for wife and trips. We kept one for 18 years and 170,000 miles. Questions: 1. Is the vehicle still safe? 2. Can we (especially my wife) deal with more frequent repairs/maintenance? 3. Is my wife happy ke...
by dm200
Mon Oct 15, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: looking for light weight smart phone
Replies: 9
Views: 308

Re: looking for light weight smart phone

I don’t think it is a good solution for the OP (since it requires a main (larger) phone)... but I just came across this story about a new Palm branded lightweight and small companion smartphone: https://www.theverge.com/2018/10/15/17974850/new-palm-smartphone-android-lifemode-time-well-spent-verizo...
by dm200
Mon Oct 15, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: looking for light weight smart phone
Replies: 9
Views: 308

Re: looking for light weight smart phone

One problem with many smart phones is that they are slippery and can be dropped and damaged. My wife found these things that we stick on the back with a circular metal slide out and can hold the phone with a finger in there - and the phone is now rarely dropped. The ones we use were free at a trade ...
by dm200
Mon Oct 15, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Kaiser or CareFirst
Replies: 29
Views: 1344

Re: Kaiser or CareFirst

Thanks very much to everyone for all the great input. We decided to give Kaiser a shot. Your comments definitely helped us make the decision. :thumbsup :thumbsup Good Luck! Maybe we will cross paths sometime at a Kaiser facility. :happy I would go online and pick a Primary Care Physician. Remember ...
by dm200
Mon Oct 15, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: looking for light weight smart phone
Replies: 9
Views: 308

Re: looking for light weight smart phone

Never weighed mine - but I like my Moto-4
by dm200
Mon Oct 15, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Reducing overall medical costs. Do we do anything?
Replies: 67
Views: 2976

Re: Reducing overall medical costs. Do we do anything?

For someone claiming to be a doctor I must say I get paid a lot of money to do my job. :D Yes, one small driver of why healthcare is so expensive in the U.S. is this. Um no. Physician reimbursement is something like 8-10% of ALL The cost of healthcare. If you cut it by 50% you would decrease health...
by dm200
Mon Oct 15, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 37
Views: 2678

Re: Not convinced with insurance

dm200 wrote: ↑Mon Oct 15, 2018 10:44 am My point is that such coverage is nearly worthless. It is worth something, possibly, and net small benefit if free. Can you explain this a bit more? Thanks! OK. AD&D (Accidental Death and Dismemberment) Insurance only pays anything (for death) if you die from...
by dm200
Mon Oct 15, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Kaiser or CareFirst
Replies: 29
Views: 1344

Re: Kaiser or CareFirst

As a Kaiser midwife in NorCal, I'm happy to see all these great recommendations for Kaiser! I needed to undergo cancer treatment 6 years ago and I can't say enough good things about how wonderful it was to everything "integrated." I need of orthopedic surgery in early 2019 and Kaiser will pay for m...
by dm200
Mon Oct 15, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 37
Views: 2678

Re: Not convinced with insurance

Basic employee life Insurance and accidental death and dismemberment (AD&D) Insurance from my employer While slightly better than nothing, because this would not pay if you died of a heart attack, cancer, stroke, etc. - I would not even count this in my insurance evaluation. I think you misread the...
by dm200
Mon Oct 15, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Trying to get a Federal Job
Replies: 22
Views: 2803

Re: Trying to get a Federal Job

The introduction of the FERS pension in 1984 led to a software program designed to compare it to the CSRS pension, so employees could determine which system was better. The calculations showed the two systems to be identical, however, the programming assumed an 8% annual gain in the TSP. Only a sma...
by dm200
Sun Oct 14, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 9451

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

Amateur poker player. I am pretty sure I can make some decent cash playing part time a few days a week. I can make a few thousand a year churning credit cards, bank accounts and investment accounts. I can make a little extra cash in those high yield checking accounts that have strict requirements. ...
by dm200
Sun Oct 14, 2018 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Have you annuitized some of your money?
Replies: 67
Views: 5295

Re: Have you annuitized some of your money?

The base rates they are using for annuities these days are so low that I wouldn't worry too much about insolvency. Some other company will take it over. They issued annuities at much higher payouts years ago, but there haven't been many problems with those. Can I infer from this that annuities are ...
by dm200
Sun Oct 14, 2018 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to get a Federal Job
Replies: 22
Views: 2803

Re: Trying to get a Federal Job

I've just seen a lot of comments say it's not worth going into federal employment anymore specifically because of the change - but I don't see why it's a big deal. Defined benefit plans have nearly disappeared from the private sector, as have health insurance benefits for retirees - especially afte...
by dm200
Sun Oct 14, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Placing mother in nursing home - advice
Replies: 24
Views: 2546

Re: Placing mother in nursing home - advice

If you and your sister are going to be in the same city, that is the city your mom should be in, so look for a facility in your city. Speak to an elder care attorney, but I believe once she depletes her assets, she will be eligible for Medicaid, which does cover nursing homes. I would sell the hous...
by dm200
Sun Oct 14, 2018 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbor discussing finances with me
Replies: 64
Views: 5814

Re: Neighbor discussing finances with me

I have had many financial discussions with different folks that go like this: We begin when the topic of investing comes up. ME: So, do you have money in the stock market (equities)? THEM: No, the market is not doing well lately. ME: You mean, stocks are down? THEM: Yes. Not doing well. The stock ma...