Search found 18905 matches

by dm200
Tue Jan 22, 2019 6:11 pm
Forum: Personal Consumer Issues
Topic: Comparing health insurance company negotiated rates
Replies: 2
Views: 85

Re: Comparing health insurance company negotiated rates

Don;t know - but do you think there is that much difference in negotiated rates for different insurance companies?
by dm200
Tue Jan 22, 2019 6:08 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 102
Views: 4855

Re: What is a Boglehead funeral/burial?

I want to be cremated and my ashes thrown anywhere. Somewhere I liked to visit would be nice, but I'm gone so who cares. I would also prefer a party (preferably at my home if possible) rather than a wake or funeral. A friend had requested a party in his home when he passed. He asked that everyone d...
by dm200
Tue Jan 22, 2019 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.
Replies: 69
Views: 4354

Re: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.

This goes back many decades. A friend of our family growing up was an older, single (never married) woman. Because they believed it would "protect" jer (not sure from what) - her parents left their house to her in some kind of "life use" ownership (not sure of the details). When living in that house...
by dm200
Tue Jan 22, 2019 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: First time renting a house from landlord: What to check?
Replies: 11
Views: 918

Re: First time renting a house from landlord: What to check?

Hi, We are first-timers renting a house from a landlord (in the past we have rented apartments from rental communities/apartment complexes). It's first time for the landlord also. They had asked for our information for background check and after verification they have agreed to lease their house. W...
by dm200
Tue Jan 22, 2019 5:48 pm
Forum: Personal Consumer Issues
Topic: Recommendation for pickup truck?
Replies: 46
Views: 1497

Re: Recommendation for pickup truck?

stimulacra wrote:
Tue Jan 22, 2019 5:03 pm
Is your son self-employed or run a side business?
If so a Section 179 might still be a viable tax strategy to help subsidize the expenditure.
No, neither.
by dm200
Tue Jan 22, 2019 2:07 pm
Forum: Personal Consumer Issues
Topic: Recommendation for pickup truck?
Replies: 46
Views: 1497

Re: Recommendation for pickup truck?

What is his budget? I think up to about $20,000 - preferable less. My (rather upscale) 2016 F-150 cost three times that three years ago. I would generally advise against getting a pickup mostly for show. A regular car should be fine for most folks... I agree - but my son does not believe is is "mos...
by dm200
Tue Jan 22, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4055
Views: 1102732

Re: What Movie Have You Recently Watched?

"Green Book" last evening. I liked it and glad we went. BUT, in my opinion, not "Great" as commonly described.
by dm200
Tue Jan 22, 2019 1:42 pm
Forum: Personal Consumer Issues
Topic: Recommendation for pickup truck?
Replies: 46
Views: 1497

Re: Recommendation for pickup truck?

Pickup trucks are good for two things: hauling and towing. That isn't quite right. Pickups are for LENDING. When you own a pickup, everyone wants to borrow it. My dad owned one and that's mostly what it was used for. Oh, and for getting dented and scratched and generally uncared for by those borrow...
by dm200
Tue Jan 22, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 102
Views: 4855

Re: What is a Boglehead funeral/burial?

I want to be cremated and my ashes thrown anywhere. Somewhere I liked to visit would be nice, but I'm gone so who cares. I would also prefer a party (preferably at my home if possible) rather than a wake or funeral. A friend had requested a party in his home when he passed. He asked that everyone d...
by dm200
Tue Jan 22, 2019 12:49 pm
Forum: Personal Consumer Issues
Topic: Recommendation for pickup truck?
Replies: 46
Views: 1497

Re: Recommendation for pickup truck?

Primarily commuting in a pickup truck is primarily a primitive way to do it. Aside from the horrendous gas mileage, depending on whether the truck’s suspension is meant to carry a real load on the axles, his kidneys are gonna hate him. Lord help him if he wants a die$el. A former employee of mine b...
by dm200
Tue Jan 22, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: Recommendation for pickup truck?
Replies: 46
Views: 1497

Re: Recommendation for pickup truck?

Primarily commuting in a pickup truck is primarily a primitive way to do it. Aside from the horrendous gas mileage, depending on whether the truck’s suspension is meant to carry a real load on the axles, his kidneys are gonna hate him. Lord help him if he wants a die$el. A former employee of mine b...
by dm200
Tue Jan 22, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 102
Views: 4855

Re: What is a Boglehead funeral/burial?

Word of caution for those planning to leave their bodies for medical research, training, etc., just because you have offered up your body DOES NOT mean your body will be accepted. Personally I think it is a wonderful thing to do, but have a backup plan in case you are faced with having to make alte...
by dm200
Tue Jan 22, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: Recommendation for pickup truck?
Replies: 46
Views: 1497

Re: Recommendation for pickup truck?

Jags4186 wrote:
Tue Jan 22, 2019 11:33 am
What is his budget?
I think up to about $20,000 - preferable less.
by dm200
Tue Jan 22, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: Recommendation for pickup truck?
Replies: 46
Views: 1497

Re: Recommendation for pickup truck?

Rupert wrote:
Tue Jan 22, 2019 11:30 am
What does he use the truck for? Does he tow or haul with it, or is it primarily used for commuting?
Now, primarily commuting - but he says he as some other uses. I cannot talk him into a reliable, low cost late model sedan - such as a Corolla, Camry, Accord or Civic.
by dm200
Tue Jan 22, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: Recommendation for pickup truck?
Replies: 46
Views: 1497

Re: Recommendation for pickup truck?

Jack FFR1846 wrote:
Tue Jan 22, 2019 11:32 am
Can you give/sell him your car and then you go buy a new car?
No - not practical for many reasons.
by dm200
Tue Jan 22, 2019 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.
Replies: 69
Views: 4354

Re: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.

This happened to some acquaintances (knew several of the parties) - Husband and wife (let's call them John and Mary) have two teenage children. Both with professional incomes, but John is not very financially responsible. Mary is in good financial condition - assets, debt and income. They divorce. J...
by dm200
Tue Jan 22, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: Recommendation for pickup truck?
Replies: 46
Views: 1497

Recommendation for pickup truck?

My adult son has urgent need for a replacement vehicle - existing car totaled. His current desire is for a late model or new pickup truck - with four doors. Because of his, somewhat 'stretched', current financial situation - he might actually listen to my recommendation(s).
by dm200
Tue Jan 22, 2019 11:19 am
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 102
Views: 4855

Re: What is a Boglehead funeral/burial?

Word of caution for those planning to leave their bodies for medical research, training, etc., just because you have offered up your body DOES NOT mean your body will be accepted. Personally I think it is a wonderful thing to do, but have a backup plan in case you are faced with having to make alte...
by dm200
Tue Jan 22, 2019 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.
Replies: 69
Views: 4354

Re: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.

This all turned out ok - but such situations can result in a mess: My wife's parents did not have very much in assets. Her mother got the house and modes amount from sale of a small business when her dad died. Then, she sold the house and moved to an apartment. Her will left everything to her two da...
by dm200
Tue Jan 22, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 102
Views: 4855

Re: What is a Boglehead funeral/burial?

One alternative is to get your body preserved until immortality technologies revitalize you and put you back in service. Take a look at a series of presentations at a Life Extension Advocacy Foundation (LEAF), https://www.leafscience.org/nyc-2018-videos/ . The results reported by the presenters are...
by dm200
Sun Jan 20, 2019 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: CD for condo association
Replies: 3
Views: 368

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: 102
Views: 4855

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: 102
Views: 4855

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: 102
Views: 4855

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: 102
Views: 4855

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: 102
Views: 4855

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: 102
Views: 4855

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: 17113

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: 102
Views: 4855

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: 102
Views: 4855

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: 17113

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: 17113

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: 5916

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: 17113

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: 2995

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: 5916

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: 5916

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: 906

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: 906

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: 2412

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: 2412

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: 5916

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: 5916

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: 1138

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: 2412

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: 2412

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.