Search found 16611 matches

by dm200
Sun Jul 22, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 27
Views: 1409

Re: Where do you buy CPAP replacement parts?

From what I understand (dealing with my wife and her CPAP) - a common problem with CPAP users is that quite a few just do not use the machine. That is one reason for the required monitoring of use- in the case of my wife's plan and insurance (Medicare). My wife has used hers regularly for 10+ years.
by dm200
Sun Jul 22, 2018 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Family Foundation - Best way forward
Replies: 22
Views: 1095

Re: Charitable Family Foundation - Best way forward

I’m wondering whether if my wife and I have skills that would help worthy international charities, would creating our own foundation more easily allow us to expense our travel in support of these causes? No tax expert - but I suspect so. HOWEVER there may be legitimate ways of doing that (depending...
by dm200
Sun Jul 22, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Daughter Harassed Because No Loans
Replies: 13
Views: 1069

Re: Daughter Harassed Because No Loans

Our daughter is being harassed at school because she is reliant on us (her parents) while other kids in her group take out loans and “are indedpendant.” I try to explain to her that she is fortunate that our family sacrificed some expensive things so that her 529 could be funded. Now, it seems that...
by dm200
Sun Jul 22, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Charitable Family Foundation - Best way forward
Replies: 22
Views: 1095

Re: Charitable Family Foundation - Best way forward

dm200 wrote:
Sun Jul 22, 2018 10:39 am
OP - I will send you a PM that you might find informative and helpful.
I sent it. Hope you make the contact I suggested.
by dm200
Sun Jul 22, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: High voltage powelines near house
Replies: 33
Views: 1909

Re: High voltage powelines near house

I suppose, as well, it might be OK now - but something could change in the future.
by dm200
Sun Jul 22, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: WSJ Article on Aging -- Scary Stuff..
Replies: 16
Views: 1387

Re: WSJ Article on Aging -- Scary Stuff..

PBS Frontline had a documentary about this called "End of Life" or something like that. I watched it a few times, but it just makes me depressed. Don't take each day for granted, nor your loved ones. In some areas and parts of the world, the elderly are often much more functional in their old age. ...
by dm200
Sun Jul 22, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: WSJ Article on Aging -- Scary Stuff..
Replies: 16
Views: 1387

Re: WSJ Article on Aging -- Scary Stuff..

Credible things I read seem to indicate that, in the US, lifespan is still going up, BUT the age at which we still function is going down.
by dm200
Sun Jul 22, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: WSJ Article on Aging -- Scary Stuff..
Replies: 16
Views: 1387

Re: WSJ Article on Aging -- Scary Stuff..

There are no guarantees - just possibly changing the odds - but I have moved to a healthier lifestyle -
by dm200
Sun Jul 22, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: High voltage powelines near house
Replies: 33
Views: 1909

Re: High voltage powelines near house

One possible advantage is that they cannot build anything under or very near the right of way.
by dm200
Sun Jul 22, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Charitable Family Foundation - Best way forward
Replies: 22
Views: 1095

Re: Charitable Family Foundation - Best way forward

OP - I will send you a PM that you might find informative and helpful.
by dm200
Sun Jul 22, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 27
Views: 1409

Re: Where do you buy CPAP replacement parts?

My wife has used CPAP machines for many years - on her 3rd or 4th one now - they wear out after a few years. She is now on Medicare, so she has to go through a "process" with our health plan/insurer to get the supplies and/or replacement machine. Her current one (several months) transmits the stati...
by dm200
Sun Jul 22, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 27
Views: 1409

Re: Where do you buy CPAP replacement parts?

My wife has used CPAP machines for many years - on her 3rd or 4th one now - they wear out after a few years. She is now on Medicare, so she has to go through a "process" with our health plan/insurer to get the supplies and/or replacement machine. Her current one (several months) transmits the statis...
by dm200
Sun Jul 22, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Charitable Family Foundation - Best way forward
Replies: 22
Views: 1095

Re: Charitable Family Foundation - Best way forward

dm200, It is awesome that your charitable group is able to keep overhead to near zero. That is truly admirable. It will be truly gratifying that one can contribute time as member of a charity organization, working on the same project money is donated for. Our intent is very similar. My wife is a fa...
by dm200
Sun Jul 22, 2018 9:29 am
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 148
Views: 10390

Re: What I spent in 6 months on medicare

We currently have a Medicare Advantage Plan. We live in upstate NY and the plan has no premium and includes drug coverage . We both must pay our part B premium of $134.00/month or $268.00 per month. Primary care is $20.00/visit and specialist is $50.00/visit. Been on the plan for four months and so...
by dm200
Sat Jul 21, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Family Foundation - Best way forward
Replies: 22
Views: 1095

Re: Charitable Family Foundation - Best way forward

Or, perhaps, eliminate the middleman DAF and become active in an existing charitable entity - like our group that directly aids the remote community in a third world country. We would , for example, probably welcome a committee participant who also made donations and could actively participate in th...
by dm200
Sat Jul 21, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Unpermitted structure - options?
Replies: 25
Views: 1646

Re: Unpermitted structure - options?

Not sure if I understood your meaning, but I wasn't in the least surprised about the religious need.


Just never had thought of that need. Not surprised, though - since I am generally aware of this kind of practice.
by dm200
Sat Jul 21, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Family Foundation - Best way forward
Replies: 22
Views: 1095

Re: Charitable Family Foundation - Best way forward

I would like seek advice from lawyer colleagues on this forum with regard to establishing a charitable family foundation. I am a surgeon by trade and plan to start a family foundation for charitable purposes during my retirement life. Desire to start a foundation as opposed to giving to established...
by dm200
Sat Jul 21, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Unpermitted structure - options?
Replies: 25
Views: 1646

Re: Unpermitted structure - options?

We have no idea about the several neighbors who need two kitchens for religious reasons.

But he did NOT have an answer about the "religious need for a second kitchen", which just surprised me.
Oh yes - that may be a "need" or desire for some ...
by dm200
Sat Jul 21, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 148
Views: 10390

Re: What I spent in 6 months on medicare

Wife and I are on a Humana Medicare Advantage PPO plan, which means no referrals are necessary. Anywhere near the larger metropolitan areas in Florida, there are plenty of Medicare services available. We pay the Medicare Part B charge of $134/month. Then, we either pay zero for my retiree insurance...
by dm200
Sat Jul 21, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Unpermitted structure - options?
Replies: 25
Views: 1646

Re: Unpermitted structure - options?

I don't know all the details of this unit, but our neighbors (single family area) built (I assume all legal) a separate small building for the husband's "home office" (he works from home). It is big enough (and has a bathroom, etc.) that someone could live in it. Our locality has also moved towards ...
by dm200
Sat Jul 21, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Unpermitted structure - options?
Replies: 25
Views: 1646

Re: Unpermitted structure - options?

Yes - I agree with consulting an applicable attorney about the issue. I would also try to get "creative" in way(s) of using the structure - legally. Maybe some kind of "home office"? Is the actual structure not legal - or its use as separately rented out as a residence? I would also find out (from a...
by dm200
Sat Jul 21, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: do i need a lawyer when applying for a HELOC?
Replies: 12
Views: 1076

Re: do i need a lawyer when applying for a HELOC?

I think the main idea here is that you can choose the settlement attorney - might or might not cost more.
by dm200
Fri Jul 20, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 148
Views: 10390

Re: What I spent in 6 months on medicare

ok - how do these providers (for Medicare patients) get compensated for these services? They don't. They had no choice in the matter. Either comply with the law, or risk losing their Medicare/Medicaid. https://www.usfhealthonline.com/resources/healthcare/electronic-medical-records-mandate/ OK - the...
by dm200
Fri Jul 20, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 148
Views: 10390

Re: What I spent in 6 months on medicare

... not "unique" that there is no charge. What is, I think, uncommon though is offering such responsiveness and encouraging it. Somehow, my Medicare plan has figured out how to make such no charge services financially viable. No, not uncommon at all. Your MA plan is just going with the times. Aroun...
by dm200
Fri Jul 20, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 148
Views: 10390

Re: What I spent in 6 months on medicare

....friend on the same medicare plan refuses to use email to communicate with her Physician (only in person appointment). I save many trips in person every year with email (NO CHARGE). ........... Nothing unique or special about that. Medicare can only be billed for face-to-face patient visits. No ...
by dm200
Fri Jul 20, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 148
Views: 10390

Re: What I spent in 6 months on medicare

Oh, yes - sure has. In my opinion, no matter what the situation, there are probably ways to get better value in many cases. Well I don't know just what you mean by that. No matter what the situation? Ways to get better value? All I can think of as it applies to many folks - switching from F to G. O...
by dm200
Fri Jul 20, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: do i need a lawyer when applying for a HELOC?
Replies: 12
Views: 1076

Re: do i need a lawyer when applying for a HELOC?

subject says it all. i'm reviewing all the documents, and everything seems fine, until i saw a notice that i have a right to my own attorney. part of me says, i should "just in case", but the other part of me it saying it's a waste of money. i'm applying via third federal if that makes a difference...
by dm200
Fri Jul 20, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 148
Views: 10390

Re: What I spent in 6 months on medicare

........ My opinion is that a great many Medicare recipients do not fully receive the best value and/or make choices that are not the "optimum". Has it occurred to you that many of us had little choice in the matter when turning 65? In my county, in 2014, know how many MA plans were offered? None. ...
by dm200
Fri Jul 20, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 148
Views: 10390

Re: What I spent in 6 months on medicare

I have spent well over the past two decades with a managed but serious health condition. As I take total responsibility for my own health care, there is no "bringing them up to speed". I simply educate any health care provider as a situation warrants. An example of this is during elder hospice care...
by dm200
Fri Jul 20, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Fence question
Replies: 18
Views: 1522

Re: Fence question

Whatever and wherever you build your fence, I would try to have it sectioned to allow you to access behind it.
by dm200
Fri Jul 20, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: State Farm - safe driving discount ??
Replies: 21
Views: 808

Re: State Farm - safe driving discount ??

Its all using GPS....crazy accurate!
sure is - amazing
by dm200
Fri Jul 20, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: State Farm - safe driving discount ??
Replies: 21
Views: 808

Re: State Farm - safe driving discount ??

If you really are a good driver, it can save you money. It monitors all sorts of stuff though, e.g., if you speed, how hard you brake. Personally, the Big Brother aspect of it gives me the willies, and I wouldn't do it for that reason alone. I haven't looked into this recently, but I don't think, h...
by dm200
Fri Jul 20, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: State Farm - safe driving discount ??
Replies: 21
Views: 808

Re: State Farm - safe driving discount ??

If you really are a good driver, it can save you money. It monitors all sorts of stuff though, e.g., if you speed, how hard you brake. Personally, the Big Brother aspect of it gives me the willies, and I wouldn't do it for that reason alone. Totally agree. Way too creepy for me and not worth the sa...
by dm200
Fri Jul 20, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: State Farm - safe driving discount ??
Replies: 21
Views: 808

State Farm - safe driving discount ??

Received from State Farm - 2 cars - 2 drivers - good claims record - no recent traffic violations - drive each car about 5-6,000 miles/year. Should we do this?? Any first hand experience?? You should be rewarded for driving safely. You do your best to drive well, and we appreciate that. When you enr...
by dm200
Thu Jul 19, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement plans, 3 day rule, and coverage of Skilled Nursing facilities
Replies: 15
Views: 716

Re: Medicare Supplement plans, 3 day rule, and coverage of Skilled Nursing facilities

Life used to be simpler - unless you were unconscious - you knew whether you were "in" the hospital or were "not in" the hospital.
by dm200
Thu Jul 19, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 65
Views: 3267

Re: 35 minute connection for flight, long enough?

I have taken flights where they hold the departing flight when there are a number of arrivals coming in on the same airline.
by dm200
Thu Jul 19, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 65
Views: 3267

Re: 35 minute connection for flight, long enough?

I'm booking our Christmas flights. Is a 35 minute connection in Denver long enough? Seems like a close call, but all the other flight schedules are terrible and costly. It's United. Second, I've got a bunch of Chase rewards, should I got through the Ultimate rewards website or transfer to United? S...
by dm200
Thu Jul 19, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get a warranty for my new glasses?
Replies: 24
Views: 1130

Re: Should I get a warranty for my new glasses?

I wear glasses 99% of every day - and have done so for 60+ years. For the last 20+ - they have been progressives.
by dm200
Thu Jul 19, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Fence question
Replies: 18
Views: 1522

Re: Fence question

We are moving in a couple weeks and I am trying to set up a fence install soon after we move in. One of the side neighbors has a black ornamental 4 foot fence that is setback about a foot from the property line. We want to install a 6 foot vinyl privacy fence on all sides of the back yard which cre...
by dm200
Thu Jul 19, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30346

Re: Concierge medicine Worth It????

Different matter, but let me give an example of my previous Primary Care Physicians' (4 Internists) practice - and how the business manager there suggested something that save me a few dollars - I left that practice seven years ago to return to Kaiser - and I needed/wanted my relevant medical record...
by dm200
Thu Jul 19, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Should I get a warranty for my new glasses?
Replies: 24
Views: 1130

Re: Should I get a warranty for my new glasses?

I would think $300 - not $600. After all it is unlikely you BOTH would have a claim at the same time.

I skip this - and (as best I recall) have never had a situation that would have been covered - and have worn glasses for 60+ years.

My wife, however, likes to buy this kind of insurance/warranty.
by dm200
Thu Jul 19, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Auto Insurance, best way to compare
Replies: 13
Views: 1105

Re: Auto Insurance, best way to compare

Thank you all for the additional info. Sheepdog-appreciate the link to that insurance thread. Will check it out. DM200- Good point about reviewing coverage and costs to make sure properly insured and not paying more than needed, however I'm not really sure how to estimate. We're probably over insur...
by dm200
Thu Jul 19, 2018 8:38 am
Forum: Investing - Theory, News & General
Topic: Some 'hints' about brokered CDs
Replies: 45
Views: 8810

Re: My first brokered CD order...UPDATE

My original contribution...long and boring...above: https://www.bogleheads.org/forum/viewtopic.php?p=4014281#p4014281 Short version: I bought my 1st brokered CDs for a Roth from Vanguard....details in link above. I also learned... Vanguard posts a daily value for my brokered CDs; I guess from any b...
by dm200
Wed Jul 18, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Vacation Ideas like Alaskan Cruises
Replies: 11
Views: 891

Re: Vacation Ideas like Alaskan Cruises

Never took an Alaska cruise - but have taken two Bermuda cruises. We loved both of them!!
by dm200
Wed Jul 18, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30346

Re: Concierge medicine Worth It????

No personal experience with Original Medicare - but it seems to me that Physicians with patients on Original medicare might give a heads up to any such patients who do not have a Medigap policy of the potential high risks of costs. Hmmm interesting you think physicians know about these things, and ...
by dm200
Wed Jul 18, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Auto Insurance, best way to compare
Replies: 13
Views: 1105

Re: Auto Insurance, best way to compare

Thank you for the replies. Any reliable quick way to first make comparisons before checking with companies individually? If you have not already done so - do a review of coverage and costs to make sure you are properly insured and are not paying for more amounts and things than you need and want. W...
by dm200
Wed Jul 18, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Auto Insurance, best way to compare
Replies: 13
Views: 1105

Re: Auto Insurance, best way to compare

sport wrote:
Tue Jul 17, 2018 7:56 pm
There are often (usually?) discounts for multiple policies. So, shop all your policies when you compare rates.
This is the case with our State Farm policies - auto and homeowners for 40+ years
by dm200
Wed Jul 18, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 30346

Re: Concierge medicine Worth It????

No personal experience with Original Medicare - but it seems to me that Physicians with patients on Original medicare might give a heads up to any such patients who do not have a Medigap policy of the potential high risks of costs. Hmmm interesting you think physicians know about these things, and ...
by dm200
Wed Jul 18, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Wills
Replies: 54
Views: 2774

Re: Wills

I am 60 married and have 2 adult children. My desire is for my husband to inherit everything and trust him to make sure my 2 children inherit everything 50/50 after he dies. I don't foresee any squabbling about this. I checked my state, Ohio, and if I die without a will, that is what the law says t...
by dm200
Tue Jul 17, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9094

Re: Why own a bed?

Grt2bOutdoors wrote:
Tue Jul 17, 2018 6:52 pm
I prefer to stay married. The price of a bed is far cheaper than the alternative.
:D