Search found 14751 matches

by dm200
Tue Feb 20, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off car loan good for credit?
Replies: 19
Views: 742

Re: Paying off car loan good for credit?

Hey All, Seems like a fairly obvious question but to me it isn't. I currently have 2 car loans. One of them I just realized only has $5k left on it. The payments are small, about $250/month. All my payments are automated and on time. I'm probably buying a house relatively soon, so what's better for...
by dm200
Tue Feb 20, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Seeking Cruise Suggestions
Replies: 34
Views: 1890

Re: Seeking Cruise Suggestions

Several types of cruises. Some stop at many ports - perhaps almost every day - while others are at sea for much of the time.

I liked the Bermuda cruises where we spent several days at sea in both directions. The only stop was Bermuda - 1-3 days there, depending on the cruise.
by dm200
Tue Feb 20, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Price of home heating oil vs gasoline?
Replies: 18
Views: 604

Re: Price of home heating oil vs gasoline?

Perhaps it may be that, in this area, fewer and fewer folks are using oil for heat. Almost all of those with natural gas will choose it. Newer construction and major remodels often use heat pumps.
by dm200
Tue Feb 20, 2018 2:56 pm
Forum: Personal Consumer Issues
Topic: Price of home heating oil vs gasoline?
Replies: 18
Views: 604

Re: Price of home heating oil vs gasoline?

How much would you have to pay for a gallon of gas delivered to your house and put in your car? Or vice versa: How much would you have to pay for a gallon of heating oil if you loaded up and drove your heating oil tank to the local distribution point and filled it up yourself? I buy gasoline in amo...
by dm200
Tue Feb 20, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Price of home heating oil vs gasoline?
Replies: 18
Views: 604

Re: Price of home heating oil vs gasoline?

I just paid $3.75 a gallon for home heating oil and about $2.45 a gallon for gasoline. Gasoline is taxed more than home heating oild and I thought that the gasoline required more refining. Shouldn't home heating oil be less expensive than gasoline? It looks like you are a victim of the earlier very...
by dm200
Tue Feb 20, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Signed up for American Express - "Premium" car rental insurance
Replies: 46
Views: 2612

Re: Signed up for American Express - "Premium" car rental insurance

misterno wrote:
Tue Feb 20, 2018 10:43 am
Drew777 wrote:
Fri Feb 16, 2018 12:51 pm
FYI Chase Sapphire Preferred comes with primary rental car insurance at no cost.
As far as I know, credit cards only offer liability not full coverage to rental cars
I do not think any cards provide liability coverage at all.
by dm200
Tue Feb 20, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Would umbrella policy protect from actions of litigious condo neighbor?
Replies: 12
Views: 1447

Re: Would umbrella policy protect from actions of litigious condo neighbor?

I thought an umbrella policy only provided protection from being sued personally.

I also know that my umbrella policy provided no protection for a business related lawsuit.
by dm200
Tue Feb 20, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Price of home heating oil vs gasoline?
Replies: 18
Views: 604

Price of home heating oil vs gasoline?

I just paid $3.75 a gallon for home heating oil and about $2.45 a gallon for gasoline. Gasoline is taxed more than home heating oild and I thought that the gasoline required more refining. Shouldn't home heating oil be less expensive than gasoline?
by dm200
Tue Feb 20, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 133
Views: 7574

Re: Do you wear a wedding band? [at a job interview]

At banks and credit unions, men sometimes hit on the young and attracive female tellers. One branch manager told me that she bought some plain "wedding rings" and gave them to the young women that wanted one. Then when a man would attempt to hit on the young woman, she would just hold up her hand an...
by dm200
Mon Feb 19, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: Seeking Cruise Suggestions
Replies: 34
Views: 1890

Re: Seeking Cruise Suggestions

I'm seeking cruise suggestions based on what I hope to find: - interesting ports of call, not typical of most vacationers (I've already visited most places typical to Americans in the Caribbean, Mexico, etc.) or challenging to reach via other travel methods, - attracts an over 40 crowd - not intere...
by dm200
Mon Feb 19, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 4821

Re: Best plants to grow to save money for food costs

Depending on the climate, cabbage and broccoli can be good. In many temperate areas, these are fall crops - you plant the seedlings (either ones you grow yourself or purchase) in mid summer and they mature in the cooler fall.
by dm200
Mon Feb 19, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Sister is a good saver...she wants to buy a house now
Replies: 9
Views: 907

Re: Sister is a good saver...she wants to buy a house now

Is she single?

If so, would she like to meet my son? :D
by dm200
Mon Feb 19, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 4821

Re: Best plants to grow to save money for food costs

Note that many items will have a relatively short harvest window, depending on your climate. For example, you might grow a type of tomato that produces a LOT of tomatoes, but over a 2 week period. Plan ahead, have a lot of sauces that you want to prepare and either can or freeze for the rest of the...
by dm200
Mon Feb 19, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 4821

Re: Best plants to grow to save money for food costs

Some herbs are cheaper in the store. Any asian market will have bunches of cilantro, basil, mint, green onions very cheap. Herbs like Rosemary, thyme will grow like a weed in some places. Cucumbers are easy , beans are easy, squash is easy, carrots are relatively easy. Radishes are super easy. I st...
by dm200
Mon Feb 19, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 149
Views: 9480

Re: I'm Cancelling My Home Insurance

The other factor with some kinds of insurance coverage (that can make it worthwhile) is convenience or lowered risk of hassle, etc. This factor, in my opinion, is not mathematically financial. For example, it makes sense to me to have homeowners/liabiliity coverage for things like your dog bites a ...
by dm200
Mon Feb 19, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 133
Views: 7574

Re: Do you wear a wedding band? [at a job interview]

Note that while in the US, the wedding ring is worn on the left ring finger, in some areas it is worn on the right hand.

Probably based in fact, in WW2, a way a spy was discovered was that the Allied spy had a tan line on the left ring finger.
by dm200
Mon Feb 19, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 4821

Re: Best plants to grow to save money for food costs

Back when I had the garden, one thing that took a while to get growing was horseradish - but it was simple to keep growing year to year - and it was super, super strong. Make my eyes water when ground. That was one of my mistakes in gardening, planting horseradish. My husband likes horseradish sauc...
by dm200
Mon Feb 19, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 133
Views: 7574

Re: Do you wear a wedding band? [at a job interview]

If you normally wear a wedding ring, but take it off for a job interview - the "tan line" and/or skin impression might indicate what you did. That might create a certain impression. My late father was a lifelong farmer and stopped wearing his wedding ring shortly after my parents were married becaus...
by dm200
Mon Feb 19, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 4821

Re: Best plants to grow to save money for food costs

Back when I had the garden, one thing that took a while to get growing was horseradish - but it was simple to keep growing year to year - and it was super, super strong. Make my eyes water when ground.
by dm200
Mon Feb 19, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 149
Views: 9480

Re: I'm Cancelling My Home Insurance

I don't understand the anti insurance posts I've seen recently on the board. Well, not necessarily anti insurance, but just thinking it's not necessary. While my house is not 12% of my net worth, I could easily afford to rebuild it if it burned to the ground. But, it just seems silly to me to foreg...
by dm200
Sun Feb 18, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Really need an advice: sell the house or rent it out
Replies: 40
Views: 2131

Re: Really need an advice: sell the house or rent it out

Among the "safest" are CDs - maybe a five year ladder.
by dm200
Sun Feb 18, 2018 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency costs
Replies: 22
Views: 1322

Re: Emergency costs

After reading the White Coat Investor’s post on minimizing emergency costs and about 1000 emergency fund posts, it got me thinking. What kind of an emergency am I planning for and how much does it cost? I came up with three ideas 1-immediate job loss (of either me, my spouse, or both - I’ve lived t...
by dm200
Sun Feb 18, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 78
Views: 10559

Re: Doctor wants Social Security number

True story - showing my age ... Many years ago, those in the military were issued a "service number" and I received one upon joining the Navy in 1970. I think the service number was 7 digits. Then the Defense dept decided that the SSN would be even better - so they stopped issuing service numbers an...
by dm200
Sun Feb 18, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 38
Views: 2446

Re: Cell phone service

Yes - the deals seem to be in the 3, 4 or 5 phone plans. Look for unlimited DATA . OTOH if you don't want to pay for unlimited data, then why pay for it? We average under 1G/mo total for our 2 lines, and have only gone to 2G one time in the past year. The best unlimited data plan we found would cos...
by dm200
Sun Feb 18, 2018 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Really need an advice: sell the house or rent it out
Replies: 40
Views: 2131

Re: Really need an advice: sell the house or rent it out

All, Negative cash flow is not the same thing as losing money. Can you please explain? Part of the mortgage payment goes towards the principal on the loan, building equity. It would be like saying that making a 401k contribution is losing money. A complete discounted cash flow analysis that include...
by dm200
Sat Feb 17, 2018 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 149
Views: 9480

Re: I'm Cancelling My Home Insurance

Except that rebuilding costs are going to be more than 120k. Most places with house in that price point are on cheap dirt. If he has 900 square ft 1950 bungalow in Silicon Valley in a good school zone that is 1.2 mil and the OP is worth 10 mil in other investments it might make sense to just sell i...
by dm200
Sat Feb 17, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: Signed up for American Express - "Premium" car rental insurance
Replies: 46
Views: 2612

Re: Signed up for American Express - "Premium" car rental insurance

It has been a long time, but when I worked for a Megacorp (one of the biggest), we could (and were encouraged) use the Megacorp deal with Avis or Hertz for personal rentals and (as best I recall) the Megacorp rental contract allowed declining all of these rental insurance charges. I wonder, today, ...
by dm200
Sat Feb 17, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 4821

Re: Best plants to grow to save money for food costs

DrGoogle2017 wrote:
Sat Feb 17, 2018 3:46 pm
Some of my zucchini can be used for weapons. I have yet to get a chance to test them out. But I make ratatouille or stew when they get too big.
Yes ratatouille is ok -and can use the eggplant.
by dm200
Sat Feb 17, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Really need an advice: sell the house or rent it out
Replies: 40
Views: 2131

Re: Really need an advice: sell the house or rent it out

Well, that might change things some. So, you are guaranteed to live in the same area again? Would you want to live in this same house/same neighborhood/same schools? Is the "forever" home something totally different in your mind(s)? This OP In 6 years, I will come back to the area but at that point...
by dm200
Sat Feb 17, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 149
Views: 9480

Re: I'm Cancelling My Home Insurance

We live in NW PA. Not much chance of natural disasters here!
Maybe flooding (in some localities) and collapsed roofs from many feet of snow.
by dm200
Sat Feb 17, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 4821

Re: Best plants to grow to save money for food costs

I had a backyard garden years ago. Some things grew well and some did not. Things that did well for us - green beans, zucchini and yellow squash, tomatoes (sometimes), leaf lettuce, spinach, onions, potatoes (sometimes), radishes eggplant (sometimes) horseradish. One "problem" was that the zucchini...
by dm200
Sat Feb 17, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Signed up for American Express - "Premium" car rental insurance
Replies: 46
Views: 2612

Re: Signed up for American Express - "Premium" car rental insurance

It has been a long time, but when I worked for a Megacorp (one of the biggest), we could (and were encouraged) use the Megacorp deal with Avis or Hertz for personal rentals and (as best I recall) the Megacorp rental contract allowed declining all of these rental insurance charges. I wonder, today, i...
by dm200
Sat Feb 17, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: Signed up for American Express - "Premium" car rental insurance
Replies: 46
Views: 2612

Re: Signed up for American Express - "Premium" car rental insurance

The big gotcha is "loss of use" where the rental company can (and probably will) charge you their highest daily rate while the rental is being repaired. AFAIK the only way to be sure the above is covered is to add a Use of Non-Owned Cars (UNOC) rider to your personal auto policy. see http://www.mym...
by dm200
Sat Feb 17, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 149
Views: 9480

Re: I'm Cancelling My Home Insurance

Let me add my homeowners insurance experience (last year) - posted at the time. In this area, the value of the lot has exploded and is a huge part of the value of the home. Ours, for example, is about 2/3 land and 1/3 house. Our state farm policy has an automatic annual increase in home value and, s...
by dm200
Sat Feb 17, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 149
Views: 9480

Re: I'm Cancelling My Home Insurance

Apologies if this has aleady been mentioned: one of the principal reasons for having homeowners is that the insurer will pay for the cost of your legal defense in the event a liability claim is made against you. The cost of defense can be extraordinary. Especially frustrating if the claim has littl...
by dm200
Sat Feb 17, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 4821

Re: Best plants to grow to save money for food costs

I had a backyard garden years ago. Some things grew well and some did not.

Things that did well for us - green beans, zucchini and yellow squash, tomatoes (sometimes), leaf lettuce, spinach, onions, potatoes (sometimes), radishes eggplant (sometimes) horseradish.
by dm200
Sat Feb 17, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Catastrophic medical insurance
Replies: 8
Views: 626

Re: Catastrophic medical insurance

mhalley wrote:
Sat Feb 17, 2018 2:10 pm
I have 2 years until Medicare kicks in, this year my premiums for high deductable plan exceed 2500 a month. Hopefully next year I can get some type of catastrophic coverage to tide my wife and I over toll age 65.
Yes - that is a lot (even for two)!
by dm200
Sat Feb 17, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 149
Views: 9480

Re: I'm Cancelling My Home Insurance

If your home is 12% of your net worth and it burns down, then you lost 12% AND you have to spend another 12% to replace it (ignoring land value). So really you're down 24% to get the same quality of life. Not the way I do the math (I get 12%): BEFORE: total net worth $1,000,000 including home value...
by dm200
Sat Feb 17, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Working for a MegaCorp vs a Small Business
Replies: 19
Views: 1272

Re: Working for a MegaCorp vs a Small Business

In another thread I’ve seen a number of people bemoaning how soul crushing it is to work for a MegaCorp. Working for a small firm of about 60 people that surprised me. To work for a nationally known company just strikes me as so exciting. Love my firm but sometimes things can get a little loosey go...
by dm200
Sat Feb 17, 2018 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Laddering CDs: 6 mos v. 1 year?
Replies: 11
Views: 916

Re: Laddering CDs: 6 mos v. 1 year?

Note also that a CD "ladder" does not have to have equal steps over the laddering period. So, for example, you choose a five year ladder, BUT you might weight one year double the next four.
by dm200
Sat Feb 17, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 38
Views: 2446

Re: Cell phone service

Well I'm spending about $450/yr less than that. When I started my Xfinity service last September, I received 2 new smart phones for $1 each, including tax & shipping. Hard to beat that.
I agree - seems like a really good deal :)
by dm200
Sat Feb 17, 2018 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund selling price
Replies: 9
Views: 503

Re: Mutual Fund selling price

To a very imprecise degree, if a mutual fund correlates with an market indicator (such as Dow Jones or S&P) you might see if those indicators are up or down just before the matket closes to get an idea.
by dm200
Sat Feb 17, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: Medical records - saved me money, time, trouble and XRay exposure :)
Replies: 12
Views: 1221

Re: Medical records - saved me money, time, trouble and XRay exposure :)

As a Diagnostic Radiologist, I can echo that the OP offers excellent advice here. It is extremely common to encounter findings on imaging studies (especially CT) which, while abnormal, have a low (but not zero) probability of significant disease. If an older study is available for comparison which ...
by dm200
Sat Feb 17, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 78
Views: 10559

Re: Doctor wants Social Security number

There are some kinds of businesses (such as banks and credit unions) that are REQUIRED by statute and/or regulations to obtain and verify the tax ID (usually SSN for individuals). By taking SSN off of so many documents (like Medicare card), that makes it more difficult for individuals to demonstrat...
by dm200
Sat Feb 17, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 38
Views: 2446

Re: Cell phone service

Yes - the deals seem to be in the 3, 4 or 5 phone plans. Look for unlimited DATA . OTOH if you don't want to pay for unlimited data, then why pay for it? We average under 1G/mo total for our 2 lines, and have only gone to 2G one time in the past year. The best unlimited data plan we found would cos...
by dm200
Sat Feb 17, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 38
Views: 2446

Re: Cell phone service

I think what’s often missing in these threads is that people don’t make a distinction between monthly fee and monthly per line fee. You get statements like, “my plan is great! Unlimited calls, text and data for $45 per month.” But if that’s for one line and there are three of you in the family, tha...
by dm200
Sat Feb 17, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 38
Views: 2446

Re: Cell phone service

We have had Sprint for many years and service is fine. As I posted on another thread, we recently converted our two phone (dumb cell phones) plan into our son's Sprint 4 or 5 phone "family" plan and we each got new smart phones. Our costs are about the same (BUT with new smart phones - unlimited cal...
by dm200
Sat Feb 17, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Medical records - saved me money, time, trouble and XRay exposure :)
Replies: 12
Views: 1221

Re: Medical records - saved me money, time, trouble and XRay exposure :)

. . . People tell me I am "unusual" or a little "weird" that I scrutinize every test, ask what every test might mean, and ask why every proposed test is justified. I also know (either from observation or I ask) EXACTLY what category everyone who I deal with is: RN (and whether has BS or not), LPN, ...
by dm200
Sat Feb 17, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Should I be paying $1300/yr. for under/uninsured motorist protection?
Replies: 76
Views: 4236

Re: Should I be paying $1300/yr. for under/uninsured motorist protection?

What if he had been very, very seriously injured? Our medical insurance would have paid. Suppose you have an HDHP with a $6K deductible - who would pay that? Suppose you needed months in rehab - How much would your health insurance pay. Suppose you suffer a permanent disability as a result of the a...
by dm200
Sat Feb 17, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Should I be paying $1300/yr. for under/uninsured motorist protection?
Replies: 76
Views: 4236

Re: Should I be paying $1300/yr. for under/uninsured motorist protection?

My only (small) gripe is that my property damage liability is about ten times (maybe more) than the value of either of our older cars. So, in other words, I am paying for coverage that I could never collect. That's not what property damage liability insurance is for. It's for damage that you do to ...