Search found 15839 matches

by dm200
Sun May 20, 2018 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Converting property in to neighborhood park. Trust needed?
Replies: 9
Views: 707

Re: Converting property in to neighborhood park. Trust needed?

Seems to me the target of the property for the proposed park would be a government entity -
by dm200
Sun May 20, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Lease buyout negotiation tips?
Replies: 7
Views: 569

Re: Lease buyout negotiation tips?

Based on all the facts and details (such as mileage, condition) - what purchase price have they given you?
by dm200
Sun May 20, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 51
Views: 2170

Re: Road trip Newark NJ to Albany

Never been there, nor do I know is they serve the public - but the CIA (Culinary Institute of America) is near Poughkeepsie.
by dm200
Sun May 20, 2018 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Wife Retiring hesitant to roll-over funds to Vanguard
Replies: 36
Views: 2356

Re: Wife Retiring hesitant to roll-over funds to Vanguard

My opinion is that the bigger risk is temporary (short term) lack of access vs an actual loss of meltdown.
by dm200
Sun May 20, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Finance a $28,000 house for Brother?
Replies: 56
Views: 3456

Re: Finance a $28,000 house for Brother?

What I find (among many things) puzzling is affording $600/month and not being able to finance $28,000. Without interest - $28,000 would be paid off in under FOUR years.
by dm200
Sun May 20, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Wife Retiring hesitant to roll-over funds to Vanguard
Replies: 36
Views: 2356

Re: Wife Retiring hesitant to roll-over funds to Vanguard

Be aware that IRA funds are (or may be) more subject to creditors than employer plans (401l, 403b, etc.). I think this varies from state to state. The OP should check to see if such protection exists in his state for IRA funds. (Protection for 401k plans is at a Federal level.) Very true. Note that...
by dm200
Sun May 20, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: Where to find movers for a couch?
Replies: 16
Views: 1013

Re: Where to find movers for a couch?

In this area, U=Haul rental locations have lots of folks around looking for being paid for such work.
by dm200
Sun May 20, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 51
Views: 2170

Re: Road trip Newark NJ to Albany

How about flying into Westchester County Airport in White Plains? https://airport.westchestergov.com/airlines/airline-information served by American Airlines and Delta easy in/easy out If you stick with Newark, I'd drive NJ Turnpike up to I-80 then Palisades Parkway north and cross over into NY sta...
by dm200
Sun May 20, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Finance a $28,000 house for Brother?
Replies: 56
Views: 3456

Re: Finance a $28,000 house for Brother?

...I am the only one that approves for loans, therefore they look to me for help but I don't want to jeopardize my future either, I'm trying to get ahead!... Whatever you do, please do *not* co-sign for anyone's loans - you will be left holding the bag. I don't care if it's your brother or your bud...
by dm200
Sun May 20, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Wife Retiring hesitant to roll-over funds to Vanguard
Replies: 36
Views: 2356

Re: Wife Retiring hesitant to roll-over funds to Vanguard

drg02b wrote:
Sun May 20, 2018 8:24 am
While I'd move to VG, you can't go wrong with any of them, just get them out of the subpar employer plan.
Be aware that IRA funds are (or may be) more subject to creditors than employer plans (401l, 403b, etc.).

I learned the hard way when a civil case judgment took $400,000 from IRA funds.
by dm200
Sat May 19, 2018 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Wife Retiring hesitant to roll-over funds to Vanguard
Replies: 36
Views: 2356

Re: Wife Retiring hesitant to roll-over funds to Vanguard

Does she have to move the money OR can it stay in employer plan?
by dm200
Sat May 19, 2018 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Wife Retiring hesitant to roll-over funds to Vanguard
Replies: 36
Views: 2356

Re: Wife Retiring hesitant to roll-over funds to Vanguard

Let her do what she wants. If Anything goes wrong with her money at vanguard, you will be blamed (even if 100% innocent).
by dm200
Sat May 19, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Finance a $28,000 house for Brother?
Replies: 56
Views: 3456

Re: Finance a $28,000 house for Brother?

I think you are right in regards to VA loan so that's not an option. I used to live in that town& half the houses there aren't livable by some ppls standards, yet they are all occupied. Owner does not want to owner finance he needs the $ to get another place. What kind of money and/or loan(s) can y...
by dm200
Sat May 19, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Finance a $28,000 house for Brother?
Replies: 56
Views: 3456

Re: Finance a $28,000 house for Brother?

Howdy Y'all! So as the subject states my brother is tired of paying rent and found a house for sale for 28k. He is building credit and won't qualify for the loan and wants my help. What should I do? He works a low wage job, but can afford to pay 600/mo at least. How do you even go about financing a...
by dm200
Sat May 19, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Curiosity - Kaiser docs compensation
Replies: 19
Views: 2510

Re: Curiosity - Kaiser docs compensation

Kaiser generally does not pay as well as private prwctice. Mainly because they dont offer a step up fee schedule based on patient volume which I think is essential. Value based care is an important step forward but it still has to pay substantially for more work done. Instead many docs are incentiv...
by dm200
Sat May 19, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Curiosity - Kaiser docs compensation
Replies: 19
Views: 2510

Re: Curiosity - Kaiser docs compensation

I have not worked at KP. But I can offer one data point. I had a preliminary phone call with a division chief of my specialty about a job opening at KP about 5 years ago. Their base salary was quite low but they were only working 4 days a week. Surprisingly, vacation time was very limited. Benefits...
by dm200
Sat May 19, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: recruiter says you are the top candidate -- true?
Replies: 5
Views: 647

Re: recruiter says you are the top candidate -- true?

My experience (decades ago, in the IT field) is sometimes yes and sometimes no. Such recruiters only get paid if the company hires you, so they have an incentive to "sell" you to the company and the company to you. In one case, a recruiter (truthfully, I believe) told me that he could not get me an ...
by dm200
Sat May 19, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: Curiosity - Kaiser docs compensation
Replies: 19
Views: 2510

Re: Curiosity - Kaiser docs compensation

My understanding (as a Kaiser patient and personally knowing several Kaiser Physicians) is that, in general, there are quite a few Physicians that want to join Kaiser - and many are not hired. Such Physicians say an appealing aspect of Kaiser is being able to focus on "medicine" and less on the busi...
by dm200
Sat May 19, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Interesting situation - work for British company directly, while living in US
Replies: 3
Views: 206

Re: Interesting situation - work for British company directly, while living in US

I have an unusual situation: I have an offer to work for a company in the UK, but still live here in the United States. If I work directly for the company in the UK as a contractor what do I need to consider as a US citizen? What are the tax implications? Is this even possible? Does anyone else do ...
by dm200
Sat May 19, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 51
Views: 2170

Re: Road trip Newark NJ to Albany

Route 9 or 9W -

Kingston NY was the original capital of NY State.

Franklin Roosevelt home at Hyde Park..
by dm200
Sat May 19, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 219
Views: 34384

Re: How to Minimize Your Emergency Care Expenses

Under my wife's ACA Kaiser plan (before she became Medicare eligible), there was a very large financial difference between using the Hospital ER vs. Kaiser Urgent Care. Now, on our Kaiser Medicare plans, there is only a small difference. So, now, there is very little financial incentive to stay away...
by dm200
Sat May 19, 2018 9:40 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 219
Views: 34384

Re: How to Minimize Your Emergency Care Expenses

Article on Anthem denying some ER visit expenses https://www.nytimes.com/2018/05/19/upshot/anthem-insurer-resists-paying-emergency-room-visits-if-avoidable.html?rref=collection%2Fsectioncollection%2Fbusiness Although the first example they give: ..he felt a jolt in his back ..“It dropped me to my k...
by dm200
Fri May 18, 2018 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: buying CD from Vanguard
Replies: 18
Views: 13805

Re: buying CD from Vanguard

Reading all your amazing advice on CD's. I am always so grateful for your brain-trusts. I have purchased VG brokerage CD's previously...but it's been awhile now. IRA accounts. My question is on the timing of the purchase in a given month. I am setting a three year ladder with a pay out every six mo...
by dm200
Fri May 18, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Qualify for Obama care for a part of the year.
Replies: 24
Views: 704

Re: Qualify for Obama care for a part of the year.

This situation is why proponents advocate a strong individual mandate. I'm not going to get political, but from a pure economics standpoint , a strong individual mandate should lower costs across the board, because you have healthier people who are incentivized to have health insurance. Not sure ho...
by dm200
Fri May 18, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: vitamins and supplements
Replies: 11
Views: 809

Re: vitamins and supplements

I only take:
1/2 senior multivitamin
D3
B12
by dm200
Fri May 18, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Qualify for Obama care for a part of the year.
Replies: 24
Views: 704

Re: Qualify for Obama care for a part of the year.

The point of open enrollment period is to stop this exact situation - only buying insurance when you find out you need it. In the past it was even worse because pre existing conditions were excluded from coverage. I second the poster to see if any options below cover their situation: https://www.he...
by dm200
Fri May 18, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Qualify for Obama care for a part of the year.
Replies: 24
Views: 704

Re: Qualify for Obama care for a part of the year.

This situation is why proponents advocate a strong individual mandate.
by dm200
Fri May 18, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Qualify for Obama care for a part of the year.
Replies: 24
Views: 704

Re: Qualify for Obama care for a part of the year.

Ugh! It seems my question is confusing. I am privileged to always have health coverage with work and I have very little information about otherwise. My questions should be: What should he do and what are his options? It seems like there are two things now, he could try to get on medicaid (I think t...
by dm200
Fri May 18, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Qualify for Obama care for a part of the year.
Replies: 24
Views: 704

Re: Qualify for Obama care for a part of the year.

He can get an ACA plan for 2019 during open enrollment in November 2018. Outside of that he can get a plan if he's had a "Qualifying Life Event". See here: https://www.healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period/ "Important: Losing individual coverage doesn’t qualify f...
by dm200
Fri May 18, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Qualify for Obama care for a part of the year.
Replies: 24
Views: 704

Re: Qualify for Obama care for a part of the year.

If he can (or chooses to) wait until the end of the year, can't he enroll in an ACA plan then?
by dm200
Fri May 18, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: When to claim Social Security: two reasons not to wait
Replies: 68
Views: 11443

Re: When to claim Social Security: two reasons not to wait

One factor I would consider is "asset protection". if you claim early with the plan of accumulating the funds for spending later (or much later), such assets might be at some degree of risk. On the other hand, a larger stream of SS retirement income starting later is at (much) less risk.
by dm200
Thu May 17, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Question for Federal Govt Retirees
Replies: 20
Views: 1273

Re: Question for Federal Govt Retirees

Not a federal employee or retiree - but I know quite a few - Fully research health insurance choices and options BOTH as a retiree BEFORE and AFTER medicare. Make 100% sure you are insured on the federal plan for 5 years as well as dependents. [A friend of mine was hit with this when he retired and ...
by dm200
Wed May 16, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon or other Nat'l Park in October?
Replies: 44
Views: 2189

Re: Grand Canyon or other Nat'l Park in October?

TSR wrote:
Wed May 16, 2018 10:20 am
JaneyLH wrote:
Tue May 15, 2018 11:49 pm
I would vote Yosemite, Yosemite, Yosemite. Mid-October is beautiful there.
I was there a year ago in July and it was just about the most incredible thing I've seen. I imagine I'd prefer October for the weather.
Yes -- again. Been there in October (twice)
by dm200
Wed May 16, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Insurance Comparison Strategy
Replies: 3
Views: 272

Re: Insurance Comparison Strategy

I've recently took over my family's (older parents) insurance needs as their old broker didn't do anything for them, but only continually increased their rates and even had my parents who are retired estimating them driving 12k a year when in fact they drive closer to half of that, so i quickly cha...
by dm200
Wed May 16, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Free skin cancer screenings
Replies: 26
Views: 2207

Re: Free skin cancer screenings

A concrete example is self breast cancer screens. They're proven not to save lives, [...] Having known several people who suffered from breast cancer (some of which died from it and, happily, at least some who beat it), I'm compelled to ask if you have a link to substantiate this claim. I will send...
by dm200
Tue May 15, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Short Term Health Insurance, HSA eligibility
Replies: 11
Views: 513

Re: Short Term Health Insurance, HSA eligibility

I was just thinking about the pre-existing thing. Short of being in an accident, couldn't any number of things be deemed pre-existing? Cancers, heart problems, etc... Yes, along with chronic and costly but not life threatening things too. One good thing about ACA plans is they can't exclude coverag...
by dm200
Tue May 15, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Short Term Health Insurance, HSA eligibility
Replies: 11
Views: 513

Re: Short Term Health Insurance, HSA eligibility

Hi all, ACA seems to be sticking around a nd the rates keep going up so I decided against having insurance and I'm looking at other options. I just saw a news article saying Trump has proposed loosening up the regulations on short term health insurance from the current 90 day limit to allow for a y...
by dm200
Mon May 14, 2018 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: question about brokerage cds.
Replies: 3
Views: 397

Re: question about brokerage cds.

A question about brokerage CDs. If there are multiple CDs listed, same maturity date, same coupon, and one pays interest annually, one semiannually, and one monthly, at the end of the year, not including interest earned on what one does with the paid interest, is the total interest earned on the CD...
by dm200
Mon May 14, 2018 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Unequal beneficiaries for POD accounts to maximize FDIC at Ally.
Replies: 24
Views: 1126

Re: Unequal beneficiaries for POD accounts to maximize FDIC at Ally.

My favorite way to check for FDIC coverage is the FDIC's own coverage calculator. If one fills in 3 POD beneficiaries in the calculator for one account. The result is that up to $750,000 is insured. An account balance of $750,001 shows $1 uisninsured. https://www5.fdic.gov/edie/ There is a similar ...
by dm200
Mon May 14, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 554
Views: 131105

Re: That Frugal Thing You Do

My parents and grandparents were greatly influenced by the 1930's depression - and some remnants of this continued into the 1950's (my recollections). They made "homemade" soap with lye and grease collected from cooking, never wasting even a small amount of food - and making "sheets" from bleached s...
by dm200
Mon May 14, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: Planning to buy car in next 6 months, please advise
Replies: 13
Views: 1386

Re: Planning to buy car in next 6 months, please advise

It has been many decades, but we were in the minivan customer firsts in the mid 80's (Chrysler minivans). Our experience - even with just ONE child, having the 3rd row option (can be folded down for cargo) is great for carpools, vacation trips and "threatening" to move either my wife or son to the v...
by dm200
Mon May 14, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Unequal beneficiaries for POD accounts to maximize FDIC at Ally.
Replies: 24
Views: 1126

Re: Unequal beneficiaries for POD accounts to maximize FDIC at Ally.

Gill wrote:
Mon May 14, 2018 2:18 pm
Any information I've seen on FDIC insurance doesn't extend the insurance beyond $250K because of a POD designation, only in the case of a joint account.
Gill
Sorry, but POD designation can multiply the FDIC (or NCUA) federal insurance limits above $250k
by dm200
Mon May 14, 2018 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Sports Betting Opportunities
Replies: 25
Views: 1986

Re: Investing in Sports Betting Opportunities

Ged wrote:
Mon May 14, 2018 2:24 pm
jhfenton wrote:
Mon May 14, 2018 2:00 pm
I have no idea who will benefit from expanded sports gambling in order to take advantage of the opportunity.
I would bet on the lawyers.
yes ...
by dm200
Mon May 14, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Car Insurance Named Driver Exlusion Options
Replies: 8
Views: 619

Re: Car Insurance Named Driver Exlusion Options

As a Boglehead I took over in managing my family's auto insurance needs a couple years ago, but just received a Named Driver Exclusion in our latest policy renewal (my sister, who had a fairly clean driving record before this year in which she got into 2 accidents (1 her fault) and a ticket. With t...
by dm200
Mon May 14, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 219
Views: 34384

Re: How to Minimize Your Emergency Care Expenses

My wife takes a long time to recover from any kind of sedation or anesthesia. I recover very, very quickly. Once or twice when I had an early morning colonoscopy - and felt 100% great in the early to mid afternoon - and never having had any issues in the past - I resumed my regular routing - includi...
by dm200
Mon May 14, 2018 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Sports Betting Opportunities
Replies: 25
Views: 1986

Re: Investing in Sports Betting Opportunities

Now that SCOTUS has cleared the way for states to legalize sports betting, does anyone have any thoughts re investment strategies to take advantage of this changed landscape? Note: I AM NOT speaking of a way to profit by placing such bets; rather I am looking for ways to invest in entities (aside f...
by dm200
Mon May 14, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Seeing a rocket launch in FL
Replies: 15
Views: 1456

Re: Seeing a rocket launch in FL

One of the lifetime events on my "bucket list" was watching the last moon rocket launch (at night) in December 1972.
by dm200
Mon May 14, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Rental car damage claim
Replies: 10
Views: 1478

Re: Rental car damage claim

I rent from Enterprise every time my car is in the shop, so once or twice a year. I have never had a problem with them. I've rented from Enterprise several times, as well, without any issues. I'm guessing this kind of thing might be more location/office-specific than brand-specific. Some managers (...
by dm200
Mon May 14, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon or other Nat'l Park in October?
Replies: 44
Views: 2189

Re: Grand Canyon or other Nat'l Park in October?

I/we have been to Yosemite several times during October. Wonderful, wonderful place - and the weather is nice in October - and the crowds are not as large.
by dm200
Mon May 14, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 219
Views: 34384

Re: How to Minimize Your Emergency Care Expenses

I got a real lesson in why medical facilities don't want you taking a taxi or bus home by yourself from a procedure where you had amnesiac sedation when I accompanied a friend for her colonoscopy. After the procedure, she was awake and chatty. The doctor came in and told us that everything looked g...