Search found 18885 matches

by dm200
Sun Jan 20, 2019 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: CD for condo association
Replies: 3
Views: 362

Re: CD for condo association

Fellow bogleheads, One of the trustees in my condo association has asked the owners if anybody knows of a reasonably good CD offer they could invest some of our long-term reserves in. I do regularly visit depositaccounts.com, but most of those CD offers seem to be for individuals. Does anybody know...
by dm200
Sat Jan 19, 2019 3:29 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 85
Views: 4029

Re: What is a Boglehead funeral/burial?

Arrangements should be carefully shopped for and arranged in advance. Seek out direct-to-consumer products for headstones, caskets, urns, etc. when possible. Keep things as basic as personal and family beliefs and traditions allow. Finally, any hearse should be a 2-3 year old used Corolla. Yes "arr...
by dm200
Sat Jan 19, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 85
Views: 4029

Re: What is a Boglehead funeral/burial?

No service or arrangements. Simple pre-arranged donation of remains to medical school. "Pre-arranged" part is crucial. I've pre-donated my remains to my nearby medical school. The body must be in "newly deceased" condition, so your next of kin must be brought into the decision. In case I am not nea...
by dm200
Sat Jan 19, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 85
Views: 4029

Re: What is a Boglehead funeral/burial?

In many states, regulations raise the cost, as you need a funeral director in some (Michigan for one). Veterans get buried in a national cemetery for free, and free headstone. Honor guard can be arranged, volunteers for spouse, paid personnel for veteran (usually Reserve, it's part of their service...
by dm200
Sat Jan 19, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 85
Views: 4029

Re: What is a Boglehead funeral/burial?

Many worship communities offer very respectful funeral/memorial services to their members at a very modest cost. it is also common for such communities to allow use of space for repasts or memorial receptions and have lists of caterers whose charges are modest as well. Some (such as my late father's...
by dm200
Sat Jan 19, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 85
Views: 4029

Re: What is a Boglehead funeral/burial?

Direct cremation. Have your next of kin post the wake information on the Boglehead forum for your area. The better you feed and water your friends, the better the stories they tell about you will be. Yes - I believe services and remembrances are important, I believe. However, in most cases, very ni...
by dm200
Sat Jan 19, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 85
Views: 4029

Re: What is a Boglehead funeral/burial?

Growing up (in the 50's and early 60's) in a low income area, I recall how "important" it was for most people (even with low/modest incomes) to have pretty much "the works" when it came to funerals and burials. My own family, as I recall, would often be very critical when someone died and was in a "...
by dm200
Sat Jan 19, 2019 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 179
Views: 17104

Re: What I spent in 6 months on medicare

Kaiser does not exist in my state. I thought I understood Medicare going in but it's more complex than I realized. I worked for a large corporation with very good coverage. With Original Medicare, Medigap, and Part D, I spend about the same out of pocket as when I worked. But the coverage is not as...
by dm200
Sat Jan 19, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 85
Views: 4029

Re: What is a Boglehead funeral/burial?

Do you qualify for any Veterans benefits? I believe you once mentioned that you served in the military. I never looked into the rules, but an Army friend of mine once told me that I qualified for a free burial at the state veterans cemetery based on my active duty service. Yes - as a veteran, my wi...
by dm200
Sat Jan 19, 2019 1:23 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 85
Views: 4029

What is a Boglehead funeral/burial?

How might we apply the "Boglehead" philosophy to our funeral and burial plans/expenses?
by dm200
Sat Jan 19, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 179
Views: 17104

Re: What I spent in 6 months on Medicare

Second six months of 2018 - I am in my early 70's - and I just reviewed what I spent on Medical costs under Medicare. While this is anecdotal - it is an example of my low costs (so far at least). Medicare Part B - $134/month - 6 months = $804 Medicare (Kaiser) plan premiums $30/month - 6 months = $...
by dm200
Fri Jan 18, 2019 9:58 am
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 179
Views: 17104

Re: What I spent in 6 months on medicare

Advantage plans 1) Think Obama care. Limited networks and limited geographic area for care (for most of them anyway). So you live in a city with wonderful health care maybe you are then in luck. Maybe not. Depends on who accepts it. MD Anderson Cancer Center in Houston (the best cancer center in th...
by dm200
Thu Jan 17, 2019 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Furloughed Fed Employee - How to make best use of time
Replies: 60
Views: 5897

Re: Furloughed Fed Employee - How to make best use of time

Great idea about driving for Uber, but wonder will the government check. The idea that agencies will perform some sort of post-shutdown "scan and sweep" for things like Uber driving when their employees were locked out and not being paid made me chuckle. Not now, but maybe when they reopen and chec...
by dm200
Thu Jan 17, 2019 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: New Medicare Advantage Open Enrollment Schedule
Replies: 0
Views: 130

New Medicare Advantage Open Enrollment Schedule

In 2019, a new Medicare Advantage Open Enrollment Period will run from January 1 – March 31 every year.

Full details here:
https://medicare.com/medicare-advantage ... advantage/
by dm200
Thu Jan 17, 2019 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Brokered vs bank CD
Replies: 10
Views: 964

Re: Brokered vs bank CD

I do not know the answer to this, but I wonder if the bid-ask spread is lower on higher amounts when you want to sell a brokered CD on the secondary market?
by dm200
Thu Jan 17, 2019 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 179
Views: 17104

Re: What I spent in 6 months on medicare

Really cheap with top notch medical coverage in my opinion. We are your age and the costs you quote are close to ours. Really nice of the government to subsidize us so well. SS too. Nice Reminder. Thanks. SeeMoe.. :greedy Perhaps "Low Cost" is a better term than "cheap" 8-) Our (DW and I) lower cos...
by dm200
Thu Jan 17, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: How do you keep a calendar?
Replies: 63
Views: 2965

Re: How do you keep a calendar?

I’ve been using Google Calendar for the last year. It works, but I need something different. What I really want is an app that lets me choose a single page “full year” view and then print it. I created a Google Sheets spreadsheet which works - Months on the left column, Repeating days of the week a...
by dm200
Thu Jan 17, 2019 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Brokered vs bank CD
Replies: 10
Views: 964

Re: Brokered vs bank CD

The secondary market for brokered CDs is such that there is BOTH interest rate risk (if rates go up, the value goes down) and a significant (1-2%) hit on bid-ask spread.
by dm200
Thu Jan 17, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Furloughed Fed Employee - How to make best use of time
Replies: 60
Views: 5897

Re: Furloughed Fed Employee - How to make best use of time

Catch up on medical and dental appointments.

Visit your children's schools

Read a book
by dm200
Wed Jan 16, 2019 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Brokered vs bank CD
Replies: 10
Views: 964

Re: Brokered vs bank CD

I was thinking about brokered CDs at Vanguard too. With direct bank CDs, I usually split a larger purchase into smaller units, just in case I need to break one. For brokered CDs, can you sell partial amounts? For example, if I buy $100k as a single purchase, can I later sell just $25k? Also wonderi...
by dm200
Wed Jan 16, 2019 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Furloughed Fed Employee - How to make best use of time
Replies: 60
Views: 5897

Re: Furloughed Fed Employee - How to make best use of time

Get healthy Read the 5 book Game of Thrones book series Start a blog Paint rooms in the house that need a refresh Write your IPS (Investing Policy Statement) Binge watch Wind River (movie) and then Longmire (TV Series) Read "The Art of Stoic Joy" book Hopefully the shutdown will end in a reasonable...
by dm200
Wed Jan 16, 2019 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Question about co-signing mortgage beyond just mortgage liability
Replies: 13
Views: 898

Re: Question about co-signing mortgage beyond just mortgage liability

One very basic question that I have not seen answered is whether and how the sister will be able to make the payments on the refinanced mortgage when she is (and has been) unable to do so.
by dm200
Wed Jan 16, 2019 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Question about co-signing mortgage beyond just mortgage liability
Replies: 13
Views: 898

Re: Question about co-signing mortgage beyond just mortgage liability

Yes, there are other potential "risks". If the payments are not made by the primary borrower, and you (cosigner) do not find out about it soon enough to catch up on the payments, you could be liable for lots of late fees/charges and other financial obligations. Your ability to get credit could be im...
by dm200
Wed Jan 16, 2019 11:03 am
Forum: Personal Consumer Issues
Topic: End of an era - Boeing 727
Replies: 35
Views: 2410

Re: End of an era - Boeing 727

dm200 wrote:
Wed Jan 16, 2019 11:03 am
Do not fly much these days, but over the years I had the experience of flying in -

B707
B727
B737
B747
B757
B767
DC8 - stretch
DC9
B717 (from MD)
MD80 and MD90 series
DC10
L1011
Electra (shuttle)

several different Airbus narrow body
by dm200
Wed Jan 16, 2019 11:03 am
Forum: Personal Consumer Issues
Topic: End of an era - Boeing 727
Replies: 35
Views: 2410

Re: End of an era - Boeing 727

Do not fly much these days, but over the years I had the experience of flying in -

B707
B727
B737
B747
B757
B767
DC8 - stretch
DC9
B717 (from MD)
MD80 and MD90 series
DC10
L1011

several different Airbus narrow body
by dm200
Wed Jan 16, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Furloughed Fed Employee - How to make best use of time
Replies: 60
Views: 5897

Re: Furloughed Fed Employee - How to make best use of time

At least Federal employees will, eventually, get paid in full.

But, since a great many Federal agencies use a lot of contractors, I believe most of such contractor employees will not get paid.

Businesses that deal with Federal employees and contractors may also be hurt - and will not catch up.
by dm200
Wed Jan 16, 2019 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Furloughed Fed Employee - How to make best use of time
Replies: 60
Views: 5897

Re: Furloughed Fed Employee - How to make best use of time

- Exercise

- Volunteer - schools, religious organization outreach, community

- Do some travel - must be short term, since you may be called back at any time.
by dm200
Wed Jan 16, 2019 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Brother in law had a stroke (health ins options?)
Replies: 10
Views: 1137

Re: Brother in law had a stroke (health ins options?)

Look ahead to anticipate whether a Medicare supplement (Medigap) plan will be available in your state. In my state, insurers are not required to provide Medigap policies to pre-65 Medicare recipients, but one insurer does anyway. It's not the best plan, but it's good enough. If it turns out Medicar...
by dm200
Wed Jan 16, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: End of an era - Boeing 727
Replies: 35
Views: 2410

Re: End of an era - Boeing 727

The 747 was also recently retired, wasn't it? Another classic Boeing jet. But the 737 keeps chugging along , it'll still be around decades from now. Years ago, a Boeing engineer told me that Boeing developed and produced the 737 as a temporary stopgap to compete with the DC9. Yes - the 737 model/se...
by dm200
Wed Jan 16, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: End of an era - Boeing 727
Replies: 35
Views: 2410

Re: End of an era - Boeing 727

I recall that, back decades ago, some passengers would leave the plane by the rear stairs.

I first flew on a 727 in 1966 - American Airlines.
by dm200
Tue Jan 15, 2019 4:36 pm
Forum: Personal Consumer Issues
Topic: End of an era - Boeing 727
Replies: 35
Views: 2410

End of an era - Boeing 727

by dm200
Tue Jan 15, 2019 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Screwed myself on salary negotiations, how do I get past this?
Replies: 25
Views: 2583

Re: Screwed myself on salary negotiations, how do I get past this?

Live with it - for now.

At salary review time, keep this in mind.
by dm200
Tue Jan 15, 2019 12:51 pm
Forum: Personal Consumer Issues
Topic: Funniest movies of all time? Name five of your favorites...
Replies: 220
Views: 31264

Re: Funniest movies of all time? Name five of your favorites...

Pizza_and_Beer wrote:
Tue Jan 15, 2019 12:24 pm
In no particular order:

1. Naked Gun
2. The Big Lebowski
3. Airplane
4. Coming to America
5. Dumb and Dumber
Yes - Coming to America :happy
by dm200
Tue Jan 15, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: Funniest movies of all time? Name five of your favorites...
Replies: 220
Views: 31264

Re: Funniest movies of all time? Name five of your favorites...

Going back - Marriage - Italian Style and Divorce - Italian Style
by dm200
Tue Jan 15, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 179
Views: 17104

Re: What I spent in 6 months on Medicare

Second six months of 2018 - I am in my early 70's - and I just reviewed what I spent on Medical costs under Medicare. While this is anecdotal - it is an example of my low costs (so far at least). Medicare Part B - $134/month - 6 months = $804 Medicare (Kaiser) plan premiums $30/month - 6 months = $...
by dm200
Sat Jan 12, 2019 1:16 pm
Forum: Investing - Theory, News & General
Topic: Are index fund managers forced to sell stocks when incurring greater trading?
Replies: 28
Views: 1988

Re: Are index fund managers forced to sell stocks when incurring greater trading?

I was talking to a friend and he said that ETFs are way better than mutual funds because when holders of mutual funds begin to sell their funds, this causes the mutual fund manager to have to sell stocks within the fund as well. Is this true? I think he may be thinking of actively managed funds and...
by dm200
Fri Jan 11, 2019 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: CD at 2.70 APR - 1, 2 or 3 years?
Replies: 21
Views: 2573

Re: CD at 2.70 APR - 1, 2 or 3 years?

Advertised and disclosed rates on savings/deposit accounts are expressed not as APR but as APY (Annuel Percentage Yield)
by dm200
Fri Jan 11, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9749

Re: Disciplined with finances, but not so with diet

Another issue of "genetics" is that when folks from populations where body weight is excellent move to the US and adopt a more US "lifestyle", their body weight tend to move to the US average within a generation or two.
by dm200
Fri Jan 11, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9749

Re: Disciplined with finances, but not so with diet

I don't think it is that simple. Some people have bodies that are efficient at converting calories into fat. Some peoples bodies just poop out what is not needed. For simple calories in, vs calories burned accounting, you also have to consider the calories lost in your waste products. I'm lucky, my...
by dm200
Thu Jan 10, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9749

Re: Disciplined with finances, but not so with diet

Munch on healthful things like fruit (fresh, frozen, dried) and nuts
by dm200
Thu Jan 10, 2019 5:31 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9749

Re: Disciplined with finances, but not so with diet

Focus on:

1. Not a "diet" - but a lifelong eating plan

2. All the things you CAN eat - not on what you cannot

3. Fill up on the good things - and you will not miss the bad
by dm200
Thu Jan 10, 2019 5:24 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9749

Re: Disciplined with finances, but not so with diet

drmirkin.com

nutritionfacts.org
by dm200
Wed Jan 09, 2019 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Another Generic Medicare / Social Security Question Part 2
Replies: 11
Views: 842

Re: Another Generic Medicare / Social Security Question Part 2

Cheese and DM thanks. We called Kaiser after the previous post and replies part 1. We were in fact double paying for Kaiser Senior Advantage. I was paying with bill pay. Soc Sec was deducting it from her benefits. From the phone call, I feel 100% Kaiser rep and wife and I were on the same page. Goo...
by dm200
Wed Jan 09, 2019 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Another Generic Medicare / Social Security Question Part 2
Replies: 11
Views: 842

Re: Another Generic Medicare / Social Security Question Part 2

Here’s another nuance to chew on. … Nine months of her Medicare Advantage plan @ $25 per month = $225. … Refund check from Kaiser = $225. If I were you I’d get on the phone and verify Kaiser didn’t cancel her Medicare Advantage plan. Yes - from posts, it seems to me that there is not a full underst...
by dm200
Wed Jan 09, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 98
Views: 8905

Re: Shingrix [Vaccine availability]

This is my understanding and experience with Shingrix -- Both the first and second dose are the same shot Recommend the second shot is administered between 2 - 6 months after the first You may (or may not) feel lousy the day after the shot so plan accordingly Some people don't have any adverse reac...
by dm200
Wed Jan 09, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20283

Re: $40,000 in debt, bankruptcy seems to be the best option right now

I am reminded of the question:

"How do you eat an elephant?"

Answer "One bite at a time!"
by dm200
Tue Jan 08, 2019 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 201
Views: 14803

Re: Joint Ownership of home with second wife

wow, just came across this post. Super tricky situation! My thoughts are firstly, if she is seeing your kids as she does that will not bode well for them. I remember my Stepmonster stopping my Dad from buying me new sneakers, (when i was 10yo) because it wasn't fair to her (grown) kids. And a whole...
by dm200
Mon Jan 07, 2019 3:39 pm
Forum: Personal Consumer Issues
Topic: How to save on prescription drug costs?
Replies: 43
Views: 2657

Re: How to save on prescription drug costs?

Ninnie wrote:
Mon Jan 07, 2019 3:35 pm
In my case, levothyroxine loses potency if it gets too warm, and thus can’t be mailed in hotter months.
Interesting. I take this and the pharmacy sends refills by mail to me every 90 days.