Search found 18609 matches

by dm200
Sun Nov 18, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: NFCU offering free $2K in AD&D insurance, does it make sense?
Replies: 5
Views: 267

Re: NFCU offering free $2K in AD&D insurance, does it make sense?

NFCU (I'm part of) is offering free $2K in AD&D insurance at no cost. Not sure if others got one too. Something free sure seems nice. I don't read any terms that say I commit to something else? Thoughts here? No, this is OK - but of limited value. It only pays for accidental death or accidental dis...
by dm200
Sun Nov 18, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-payment penalty mortgage
Replies: 11
Views: 671

Re: Pre-payment penalty mortgage

Others may have a different opinion, but I want to get a mortgage from a bank or credit union that will not sell the s ervicing of the mortgage loan. Good luck with that. Conventional Conforming mortgages have the best rate because they can be sold on. You will have to pay extra to ensure the bank ...
by dm200
Sun Nov 18, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Am I understanding this right about DAFs? If so...wow
Replies: 23
Views: 1811

Re: Am I understanding this right about DAFs? If so...wow

Some small charitable entities are not very good at accepting appreciated securities.

If you want do donate small/modest amounts - it can be difficult to get the right number of shares for direct donation

These situations can be handled by using a DAF.
by dm200
Sun Nov 18, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-payment penalty mortgage
Replies: 11
Views: 671

Re: Pre-payment penalty mortgage

Others may have a different opinion, but I want to get a mortgage from a bank or credit union that will not sell the servicing of the mortgage loan.
by dm200
Sun Nov 18, 2018 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Am I understanding this right about DAFs? If so...wow
Replies: 23
Views: 1811

Re: Am I understanding this right about DAFs? If so...wow

While not completely trivial, I regard the added investment expense in a DAF as well worth the benefits received. Among the benefits (there may be more): 1. Complete asset protection (the funds are not yours) 2. Ability to make anonymous "grants". You will not get on solicitations 3. Ability to allo...
by dm200
Sun Nov 18, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: LOST OVER $400 on CDs in 2 Weeks!
Replies: 22
Views: 3321

Re: LOST OVER $400 on CDs in 2 Weeks!

When held to maturity OR paid by FDIC if the bank fails, you will get the full face value of the brokered CD.

You only take a loss if you sell the brokered CD on the secondary market before maturity. In fact, you will actually get 1-2% less than the "value" you see because of the bid-ask spread.
by dm200
Sun Nov 18, 2018 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Am I understanding this right about DAFs? If so...wow
Replies: 23
Views: 1811

Re: Am I understanding this right about DAFs? If so...wow

I would also suggest going with the DAF but only after checking to make sure the DAF will recognize your chosen charities to issue checks. We have the Fidelity DAF. Our experience is that we have never found a charity for which Fidelity would not do a "grant" upon our request. These include three p...
by dm200
Sat Nov 17, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Toyota Dealer Lost My New Car's Key
Replies: 14
Views: 2430

Re: Toyota Dealer Lost My New Car's Key

Never had that problem - but I would not worry about the "lost" key being a risk to you.
by dm200
Sat Nov 17, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: Any space heaters that automatically maintain a temperature in a room!
Replies: 37
Views: 3013

Re: Any space heaters that automatically maintain a temperature in a room!

TLDR: does anyone know of any heaters for a room that can maintain a temperature. For example, most space heaters aren’t useful because they just blast out the heat and get too hot in the middle of night while sleeping. So long story short, my post-grad roommates and I are going to use space heater...
by dm200
Fri Nov 16, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Are gift cards for fund raising worth it?
Replies: 21
Views: 1005

Re: Are gift cards for fund raising worth it?

I cannot comment on this specific plan/deal. However, a local place of worship buys large quantities of grocery store gift cards at a 4-5% discount to face value - then sells the cards to their members at face value. For them, this seems to work quite well. Members buy the gift cards with either cas...
by dm200
Fri Nov 16, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Finding an Attorney with Demonstrated, Credentialed Expertise In Elderlaw
Replies: 15
Views: 954

Re: Finding an Attorney with Demonstrated, Credentialed Expertise In Elderlaw

A challenge - seems to me. It also varies by state as well. When researching or interviewing such attorneys, I would ask these three questions: 1. What part of your practice is in elder law matters? [You want someone who does this a lot] 2. How long have you been doing elder law? [You don't probably...
by dm200
Fri Nov 16, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Medicare considerations for person with employer insurance
Replies: 15
Views: 804

Re: Medicare considerations for person with employer insurance

Seems to me that these late enrollment penalties are relatively harsh - since they continue for the rest of your life.
by dm200
Fri Nov 16, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: What convenience fees does your city charge for credit card use?
Replies: 36
Views: 1586

Re: What convenience fees does your city charge for credit card use?

I "love" the term "convenience fee". Seems like it is more "convenient" for the entity getting the fee than for the person paying it! ;)
by dm200
Fri Nov 16, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: What convenience fees does your city charge for credit card use?
Replies: 36
Views: 1586

Re: What convenience fees does your city charge for credit card use?

The Arlington County Park system has recently started charging 2.5% for using credit cards to enroll in their gym memberships and fitness programs. These programs are a great bargain and the fee seems negligible. Victoria Yes - my wife and I enroll for $90 annually for both of us, since we are over...
by dm200
Thu Nov 15, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: What convenience fees does your city charge for credit card use?
Replies: 36
Views: 1586

Re: What convenience fees does your city charge for credit card use?

Texanbybirth wrote:
Thu Nov 15, 2018 4:52 pm
No fee, yet. Sucks that city's are starting to charge for it, but I guess they're just trying to recoup costs.
Seems as though online or electronic billing would be lower overall cost for the municipality than folks going in person with a wad of cash.
by dm200
Thu Nov 15, 2018 11:06 am
Forum: Investing - Theory, News & General
Topic: Does Early Retirement Make You Live Longer?
Replies: 70
Views: 4275

Re: Does Early Retirement Make You Live Longer?

Excellent post to highlight the fact that one must dig deeper and evaluate the quality and dependability of any statistics. As stated correlation does not imply causation. Children who get tutored get worse grades than children who do not get tutored.. Yes - Without getting too deep in the weeds of...
by dm200
Thu Nov 15, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Medicare considerations for person with employer insurance
Replies: 15
Views: 804

Re: Medicare considerations for person with employer insurance

It really depends on the details of the Employers' Health care plans. I received an incentive from my current employer to use a healthcare plan from my previous employer. But this changed when I turned 65 and the former plan required me to enroll into Medicare. So I enrolled in my current employer'...
by dm200
Thu Nov 15, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Medicare considerations for person with employer insurance
Replies: 15
Views: 804

Re: Medicare considerations for person with employer insurance

Ahh.. page 12 of EN-05-10043 clearly says: COBRA and retiree health coverage don’t count as current employer coverage. So, the retiree health coverage they currently have doesn't allow them to not enroll in (or delay enrollment of) Part B. Although my parent does have vision insurance through their...
by dm200
Thu Nov 15, 2018 9:49 am
Forum: Investing - Theory, News & General
Topic: Does Early Retirement Make You Live Longer?
Replies: 70
Views: 4275

Re: Does Early Retirement Make You Live Longer?

Another factor in lifespan and retirement is that many folks retire earlier because of poor health. The health issues cause the early retirement - and not early retirement causing the health problems.
by dm200
Thu Nov 15, 2018 9:47 am
Forum: Investing - Theory, News & General
Topic: Does Early Retirement Make You Live Longer?
Replies: 70
Views: 4275

Re: Does Early Retirement Make You Live Longer?

... I would tend to agree with this more had the ACA not been created, making individual health insurance more available and at lower cost than it had been before ... :shock: :confused That hasn't been the case with any data on health insurance costs that I've seen. Among other things, that depends...
by dm200
Wed Nov 14, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare considerations for person with employer insurance
Replies: 15
Views: 804

Re: Medicare considerations for person with employer insurance

The way I understand he post, the parent is not receiving related benefits from the employer -- but rather retiree benefits from a previous employer. I would lean strongly (unless it is otherwise clear) to enrolling in Medicare - parts A and B. Then, investigate whether a Medicare Advantage (with dr...
by dm200
Wed Nov 14, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance Claim-Experiences?
Replies: 14
Views: 976

Re: Homeowners Insurance Claim-Experiences?

This post could be very informative to folks who ask, "Should I sell my house or rent it"
by dm200
Wed Nov 14, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: Direct Primary Care-Anyone use it?
Replies: 40
Views: 3156

Re: Direct Primary Care-Anyone use it?

Not ideal, I agree. But if patients are fed up with their HMO and want to see me, I am happy to work with them as long as they realize it may be clunky. As for the HMO docs, they get paid the same whether the patient comes to see them or not , and they are already overwhelmed with their own workloa...
by dm200
Wed Nov 14, 2018 5:08 pm
Forum: Investing - Theory, News & General
Topic: Does Early Retirement Make You Live Longer?
Replies: 70
Views: 4275

Re: Does Early Retirement Make You Live Longer?

Another issue is at what age folks have significant disabilities or loss of "quality of life".
by dm200
Wed Nov 14, 2018 3:13 pm
Forum: Investing - Theory, News & General
Topic: Does Early Retirement Make You Live Longer?
Replies: 70
Views: 4275

Re: Does Early Retirement Make You Live Longer?

Probably anecdotal - but I have seen claims that earlier retirement shortens lifespan.

Guys retire - and sit on a recliner watching TV and drinking a lot of beer and junk food.
by dm200
Wed Nov 14, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3820
Views: 1079007

Re: What Movie Have You Recently Watched?

Watched the following: Eighth grade Blackkklansman A wrinkle in time Enjoyed them all. Also watched the other side of the wind, an Orson Welles film from the 70's that was edited based on his notes and just released. Fantastic to watch but many what the heck is going on moments. It has a movie with...
by dm200
Wed Nov 14, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: How to value retiree healthcare benefit
Replies: 20
Views: 1060

Re: How to value retiree healthcare benefit

If this is a private employer - close to zero - since even the (past) best megacorps have stopped this - at least for those over 65. If the federal government - probably worth considering. Not sure about state and local government. In Virginia, a very large County near me offers a very nice MA plan...
by dm200
Wed Nov 14, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: How to value retiree healthcare benefit
Replies: 20
Views: 1060

Re: How to value retiree healthcare benefit

If this is a private employer - close to zero - since even the (past) best megacorps have stopped this - at least for those over 65. If the federal government - probably worth considering. Not sure about state and local government. In Virginia, a very large County near me offers a very nice MA plan ...
by dm200
Tue Nov 13, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: Any space heaters that automatically maintain a temperature in a room!
Replies: 37
Views: 3013

Re: Any space heaters that automatically maintain a temperature in a room!

Most of the space heaters I have used in recent years have some degree of going off and on based on room temp - and a setting know to approximate the temp. We have one we now use in our bedroom.
by dm200
Mon Nov 12, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: How to deposit cash in online account with no local branch
Replies: 45
Views: 4607

Re: How to deposit cash in online account with no local branch

You may be able to pay in person on one of your credit cards locally.
by dm200
Mon Nov 12, 2018 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Fastest ACH transfers?
Replies: 8
Views: 1440

Re: Fastest ACH transfers?

Do not know details -- BUT there is now a feature of "same day" ACH
by dm200
Mon Nov 12, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming frugal
Replies: 81
Views: 10847

Re: Becoming frugal

VERY difficult - but try to avoid seeing Physicians when not necessary. On the other hand, see Physicians when doing so can or will reduce future visits.
by dm200
Mon Nov 12, 2018 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Stock market open today?
Replies: 14
Views: 2188

Stock market open today?

Trivia question - why is the stock market open on Veterans Day?
by dm200
Mon Nov 12, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6134

Re: Do I need more than Original Medicare?

My Medicare Advantage PPO is $0 per month and provides a bunch of nice quality of life benefits that Medigap plans in my area do not: e.g., prescription drug coverage, routine hearing and vision care benefits, hearing aid benefits, a $240 allowance toward preventive dental care, awesome Silver Snea...
by dm200
Mon Nov 12, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming frugal
Replies: 81
Views: 10847

Re: Becoming frugal

The biggest factors for me, by far are (1) spouse who shares values\approach to money and (2) buying smaller house that is closer to jobs versus McMansion in the burbs - this has many positive affects - lower transportation costs, lower heating/cooling/maintenance costs, less need to fill up a big ...
by dm200
Mon Nov 12, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Running in the cold rain
Replies: 12
Views: 1355

Re: Running in the cold rain

ThankYouJack wrote:
Mon Nov 12, 2018 3:32 pm
Anyone do this? What gear do you use to stay warm and/or dry?
No - I am fortunate to have access to a community center with 1/8 mile indoor track - dry all the time - cool in the summer and warm in the winter.
by dm200
Mon Nov 12, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Home addition vs. Buying New
Replies: 39
Views: 2084

Re: Home addition vs. Buying New

No personal experience, but from folks I know who have undertaken such major additions/renovations often encounter large added costs above the original estimates.

On the other hand, neighbors on our street successfully doubled the size of their house.
by dm200
Mon Nov 12, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6134

Re: Do I need more than Original Medicare?

I am grateful MegaCorp is still providing excellent health insurance for retirees. Be careful and cautious when reaching Medicare eligibility. Most private companies are dropping any such retiree coverage for those eligible for Medicare. Indeed, that has happened at a number of employers around her...
by dm200
Mon Nov 12, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6134

Re: Do I need more than Original Medicare?

Yes, you need a Medigap plan and a drug plan. True story: I got an older relative (early 70s) signed up for Part B , Plan G, and drug plan just this spring (coverage didn't kick in until July 1) They had been having back trouble for several months and ultimately went in for spinal surgery early Sep...
by dm200
Mon Nov 12, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6134

Re: Do I need more than Original Medicare?

Yes, you need a Medigap plan and a drug plan. True story: I got an older relative (early 70s) signed up for Part B , Plan G, and drug plan just this spring (coverage didn't kick in until July 1) They had been having back trouble for several months and ultimately went in for spinal surgery early Sep...
by dm200
Mon Nov 12, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6134

Re: Do I need more than Original Medicare?

I am grateful MegaCorp is still providing excellent health insurance for retirees. Be careful and cautious when reaching Medicare eligibility. Most private companies are dropping any such retiree coverage for those eligible for Medicare. Indeed, that has happened at a number of employers around her...
by dm200
Mon Nov 12, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Home addition vs. Buying New
Replies: 39
Views: 2084

Re: Home addition vs. Buying New

Background - DW and I are mid 30s with 2 kids under 7. Currently maxing out 401k contributions and have about $300k in combined 401ks. Total household income is low/mid $300s depending on year end bonus. No debt other than current 30 year mortgage of around $330k at 3.625% rate. Our current ranch h...
by dm200
Mon Nov 12, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6134

Re: Do I need more than Original Medicare?

No, my PPO is quite explicit in its contract. If I go to an in-network specialist, my out-of-pocket cost will be limited to my $50 in-network copay. If I go to an out-of-network specialist, as long as s/he accepts Medicare, my out-of-pocket cost is limited to my $60 out-of-network copay. (For prima...
by dm200
Mon Nov 12, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6134

Re: Do I need more than Original Medicare?

I am grateful MegaCorp is still providing excellent health insurance for retirees.
Be careful and cautious when reaching Medicare eligibility. Most private companies are dropping any such retiree coverage for those eligible for Medicare.
by dm200
Mon Nov 12, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6134

Re: Do I need more than Original Medicare?

DM, I agree that different MA plans have stricter or more lenient prior authorization requirements. My MA plan also has a reputation being very flexible--for now. But there is no guarantee that your plan or my plan will be so easygoing in the future. (For that matter, there is no guarantee that tra...
by dm200
Mon Nov 12, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 134
Views: 10077

Re: Favorite "free stuff"?

Our neighborhood email list often has "curb alerts" - where folks have some item they no longer want - and notify neighbors of its availability.
by dm200
Mon Nov 12, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6134

Re: Do I need more than Original Medicare?

The Medicare Advantage PPO plan I have through my employer-retiree program covers everything the same for out of network and in network providers. Why would a Medicare supplement plan be better? My employer-retiree program does not offer a supplement plan. Interestingly, the provider they use, UHC,...
by dm200
Mon Nov 12, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6134

Re: Do I need more than Original Medicare?

The Medicare Advantage PPO plan I have through my employer-retiree program covers everything the same for out of network and in network providers. Why would a Medicare supplement plan be better? My employer-retiree program does not offer a supplement plan. Interestingly, the provider they use, UHC,...