Search found 14429 matches

by dm200
Sat Jan 20, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 89
Views: 4486

Re: How to Minimize Your Emergency Care Expenses

The push seems to be expansion of expensive (to the patient and/or patient's insurance) care facilities. The large financial benefits of the providers seem to drive this. It would seem, though, that these insurance companies (in large and dense areas like where I live) could drive the costs down by ...
by dm200
Sat Jan 20, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 89
Views: 4486

Re: How to Minimize Your Emergency Care Expenses

Even when you (as a patient) try to do the right thing - it can be a huge challenge.
by dm200
Sat Jan 20, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 89
Views: 4486

Re: How to Minimize Your Emergency Care Expenses

I wonder if hospitals start to see a rush towards the end of the financial year with so many high deductible plans. Yes. I am a physician in a specialty where some treatments are "elective". Patients decide which year they want to get it done based on whether they have met the deductible or not. Ou...
by dm200
Sat Jan 20, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 89
Views: 4486

Re: How to Minimize Your Emergency Care Expenses

2. Be informed about what is an "emergency" and what is not. For example, be aware of situations you might encounter. 3. Do NOT hesitate to use an ER when life threatened, such as severe heart attack, severe loss of blood, ruptured aorta, etc. This is really hard to know in practice. Heart attacks ...
by dm200
Sat Jan 20, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Credit For Defaulter
Replies: 14
Views: 794

Re: Credit For Defaulter

I have not been in this specific situation, but this sounds like a situation in which a credit union may excel. In this scenario, I would expect a dealer to charge a predatory interest rate. As such, I'd plan to shop around a bit and see what kind of financing you can qualify for. Plug the interest...
by dm200
Sat Jan 20, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Credit For Defaulter
Replies: 14
Views: 794

Re: Credit For Defaulter

My niece recently got divorced and had a short-sale of her former home (with her husband). The first mortgage was fully satisfied but the second mortgage was defaulted upon, with agreement by the lender for the short sale. Anyway, I would like to help my niece get a new car. Perhaps a new Corolla o...
by dm200
Sat Jan 20, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 89
Views: 4486

Re: How to Minimize Your Emergency Care Expenses

We have been fortunate to have not experienced such high expenses. 1. Have knowledge of alternatives to the hospital ER. Investigate use of urgent care facilities. 2. Be informed about what is an "emergency" and what is not. For example, be aware of situations you might encounter. 3. Do NOT hesitate...
by dm200
Sat Jan 20, 2018 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Brokered CDs - Different brokers?
Replies: 13
Views: 1512

Re: Brokered CDs - Different brokers?

I would verify that whatever broker you use, that the CDs you buy are FDIC insured. I have never seen a non-FDIC-insured CD sold by a broker. Would be interested to hear if anyone else has. Kevin No, I have never seen offerings at Vanguard from non FDIC insured banks. It is, however, up to the buye...
by dm200
Sat Jan 20, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Brokered CDs - often better return secondary market
Replies: 47
Views: 4865

Re: Brokered CDs - often better return secondary market

This is a continuing puzzle (to me) I presume your "puzzle" is why secondary brokered CDs are often better than the primary issue? If that is your question, I have several answers: 1. Primary issues are no fee to the buyer, which means that the issuer pays some sort of commission to the selling bro...
by dm200
Sat Jan 20, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Have you or anyone you know actually used umbrella coverage?
Replies: 31
Views: 2600

Re: Have you or anyone you know actually used umbrella coverage?

Fellow filed bankruptcy to get out from under but the lawyer argued to the bankruptcy judge not to discharge that particular debt (I'm leaving out a bunch of info) and the judge agreed. For decades my buddy got a monthly check from the hapless fellow (and may still be, I haven't asked in years). Wa...
by dm200
Sat Jan 20, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 168
Views: 10684

Re: Stats on When People Take Social Security

I don't think females who claim early LOSE anything.
As noted, if SS was actuarially "fair" (which I'm NOT recommending!), then then women would receive slightly lower monthly benefits than men with the same numbers.
So they are receiving an enhanced benefit to some degree.
Actuarlily 100% correct.
by dm200
Sat Jan 20, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 168
Views: 10684

Re: Stats on When People Take Social Security

If you are a single female, you are somewhat shortchanged by early SS since the tables SSA uses are unisex and females, on average, live longer. Since a single female gets the same monthly benefit as a single male of same age and SS payments in, & on average females live longer, they are not gettin...
by dm200
Fri Jan 19, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Have you or anyone you know actually used umbrella coverage?
Replies: 31
Views: 2600

Re: Have you or anyone you know actually used umbrella coverage?

Also, if there were a lot of people here reporting that they used it, it would likely be a lot more expensive than it is.
Right ...
by dm200
Fri Jan 19, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Have you or anyone you know actually used umbrella coverage?
Replies: 31
Views: 2600

Re: Have you or anyone you know actually used umbrella coverage?

Umbrella policies do not cover business related lawsuits.
by dm200
Fri Jan 19, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Can You Say...Auto Insurance
Replies: 21
Views: 1492

Re: Can You Say...Auto Insurance

If you get into a major collision, medical bills could easily eat up that $100,000 in coverage and then you will be threatened with paying the rest. JT Having high medical coverage on your auto policy is a waste of money if you have good primary medcial coverage. Not necessarily. The risks, in my o...
by dm200
Fri Jan 19, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Contacting store after urgent care visit?
Replies: 18
Views: 1681

Re: Contacting store after urgent care visit?

Curious as to what other Bogleheads would do. College age daughter is on a weekend getaway with friends and got over a dozen splinters while sitting on a bench in the store to rent equipment. She could feel the splinters went through her leggings but figured that was it and didn't tell anyone at th...
by dm200
Fri Jan 19, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Brokered CDs - often better return secondary market
Replies: 47
Views: 4865

Re: Brokered CDs - often better return secondary market

OK - here is one - as of a minute or two ago. Five year new issue Vanguard brokered CDs available at rate of 2.65%. Multiple banks making such CDs available. Secondary market Discover Bank rate 2.65% at 99.5% of face maturing 1/19/2023 with yield of 2.758% . BUT that does not consider the brokerage ...
by dm200
Fri Jan 19, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: What can I do to fight this ridiculous medical bill?
Replies: 86
Views: 3968

Re: What can I do to fight this ridiculous medical bill?

p.s. As mentioned you could have not gone to the UC or not to the ER so the choice is yours. Sound harsh but the reality is you did have a choice. No one FORCED you to get care. If they did then there is an argument to be made, but you did all this willingly. Right, well...I won't ever be going bac...
by dm200
Fri Jan 19, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: What can I do to fight this ridiculous medical bill?
Replies: 86
Views: 3968

Re: What can I do to fight this ridiculous medical bill?

Healthcare is the one thing that is so hard to budget and the costs can easily decimate years of hard work and diligent savings and investing. That deeply disturbs me. Even accident litigation, we can buy large multi-million umbrella insurance policies to prevent from getting wiped out. Not so with...
by dm200
Fri Jan 19, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: What can I do to fight this ridiculous medical bill?
Replies: 86
Views: 3968

Re: What can I do to fight this ridiculous medical bill?

In my experience Emergency Room and 911 ambulance rides are a "whole nuther type of billing. Out of network, even more so. $5-6,000 for a night in the ER plus the luxury ride in the paramedic rig makes for a huuuuuge bill. :shock: The cost difference between things done in the ER vs "normal" visits...
by dm200
Fri Jan 19, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Can You Say...Auto Insurance
Replies: 21
Views: 1492

Re: Can You Say...Auto Insurance

I agree with Bottlecap - your coverage is not all that strong - you might want to discuss your coverage limits with the agent. I have found it helpful to work with an insurance broker - the broker shops across multiple companies for the best coverage/value. Every two years (think its two years) the...
by dm200
Fri Jan 19, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Can You Say...Auto Insurance
Replies: 21
Views: 1492

Re: Can You Say...Auto Insurance

While it may be hard to "quantify", having auto insurance that pays valid claims quickly and can, if needed, fight for you when another driver is at fault (and you file under your collision) can be worth a lot - both financially and "aggravation".
by dm200
Fri Jan 19, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Can You Say...Auto Insurance
Replies: 21
Views: 1492

Re: Can You Say...Auto Insurance

I have pretty good coverages 100/300/50 to protect myself & my assets in case of a accident. I' am even thinking of a umbrella policy. The problem is my premiums keep going up with my big national company. I just received in the mail yesterday my renewal notice. From what I can tell the premium is ...
by dm200
Fri Jan 19, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: What can I do to fight this ridiculous medical bill?
Replies: 86
Views: 3968

Re: What can I do to fight this ridiculous medical bill?

Did you get an EOB from your insurance company?

If not, get it. Then discuss the situation with the insurance company.
by dm200
Fri Jan 19, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Brokered CDs - often better return secondary market
Replies: 47
Views: 4865

Re: Brokered CDs - often better return secondary market

It would make sense that the secondary market would offer better returns, but I haven't seen ANY secondary market issues that come close to the new issues. For example: at TD Ameritrade, there are 3 new issues of the 5 year CD for 2.65 Coupon (one of them is a Goldman Sachs with 01-24-2023 maturity...
by dm200
Thu Jan 18, 2018 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Paying semi-illiterate vendor via credit card who has no email or computer
Replies: 23
Views: 1737

Re: Paying semi-illiterate vendor via credit card who has no email or computer

livesoft wrote:
Thu Jan 18, 2018 5:52 pm
Call his local bank manager and ask for ideas.
Yes - or a credit union.
by dm200
Thu Jan 18, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: $200 Emergency Visit Copay Waiver?
Replies: 59
Views: 5706

Re: $200 Emergency Visit Copay Waiver?

kjvmartin wrote:
Wed Jan 17, 2018 9:41 pm
Old thread. Long since had to pay it under the threat of collections. Admit is a different term to insurance companies.
Right ...

Yet another term in the English language that has very different meanings ...
by dm200
Thu Jan 18, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 106
Views: 8569

Re: What is the best home exercise equipment?

I personally bought a Sole E95S Elliptical, SR500 rower, and F85 treadmill this past BlackFriday for 10% below the Black Friday prices (by calling and haggling). I also bought a Hoist adjustable ab bench, Hoist bench, and Nubell Pro 530 weight set, plus a curling bar. I’m looking for a recumbent bi...
by dm200
Thu Jan 18, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Trying to help acquaintence - medicare costs
Replies: 75
Views: 2691

Re: Trying to help acquaintence - medicare costs

Glad you got it somewhat sorted out. You may as well check to see what is included for eyes, ears, and teeth. I know regular Medicare covers audiologist test (but not hearing aids), medical checks for cataracts and other medical problems (but not glasses or their prescriptions), and probably dental...
by dm200
Wed Jan 17, 2018 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Irrevocable trust for primary residence
Replies: 12
Views: 889

Re: Irrevocable trust for primary residence

Don't know, but what if you got and maintained mortgage loan(s) to the maximum possible on the home (no matter who owns it). Then, use other asset protection techniques for the proceeds.

Then, there is little, if any, value to those successfully suing.
by dm200
Wed Jan 17, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: [Virginia] Transfer on Death Deeds .. New Husband?
Replies: 42
Views: 1662

Re: [Virginia] Transfer on Death Deeds .. New Husband?

Edit2: Yes their combined income would likely make them unable to be eligible for the tax relief. This isn't that big of an issue as I am the only one paying the mortgage anyways and will be going forward. Depending on the assessed value of the house AND the tax rate, it might be a "big deal". As I...
by dm200
Wed Jan 17, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: How will or might nonprofits be affected by tax law changes?
Replies: 36
Views: 1745

Re: How will or might nonprofits be affected by tax law changes?

Thanks for the added opnions and information. Yes, there is nothing that a non-profit can actually "do", but it makes sense to try to plan or budget with a possibility that some donors at year end may have acelerated some amount of 2018 donations to December 2017. I think that is what may have happe...
by dm200
Wed Jan 17, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 106
Views: 8569

Re: What is the best home exercise equipment?

Another vote for a Concept2 rower. I found one at a reasonable prices on Craigslist 4 years ago and have used it regularly. Lots of information and workout plans online. I often watch a lecture or talk on Youtube while I row. Time then flies. I suspect that if you do not need or want the display, y...
by dm200
Wed Jan 17, 2018 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 168
Views: 10684

Re: Stats on When People Take Social Security

That depends on how you do the math. When 50% of SS income suddenly became federally taxable for higher income retirees, that effectively cut their net benefit by some percentage... Sure - that did reduce net benefits. However, it did not affect folks differently on whether they filed earlier or la...
by dm200
Wed Jan 17, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: [Virginia] Transfer on Death Deeds .. New Husband?
Replies: 42
Views: 1662

Re: [Virginia] Transfer on Death Deeds .. New Husband?

Thanks everyone. Great amount of info on this forum! I contacted a titling agency and I'm going to pay a relatively small fee ($250) to get my name added back in to the deed. Great insurance in case something does go south. I'm also going to contact some attorneys to see if she would like to draft ...
by dm200
Wed Jan 17, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: [Virginia] Transfer on Death Deeds .. New Husband?
Replies: 42
Views: 1662

Re: [Virginia] Transfer on Death Deeds .. New Husband?

OP--A prenuptial agreement could address many problems, and could be prepared in conjunction with the new wills that both members of the happy couple should prepare anyway. Note that a prenup must be signed before the wedding, and the wills can be prepared in advance but should be signed after the ...
by dm200
Wed Jan 17, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: How will or might nonprofits be affected by tax law changes?
Replies: 36
Views: 1745

Re: How will or might nonprofits be affected by tax law changes?

In funding organizations and projects in this remote area of this country, we face the challenge of sending the donated funds there quickly after receipt balanced by planning, evaluation and monitoring of the money. The good news in this "challenge" is that we have a lot of committed donors to the c...
by dm200
Wed Jan 17, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Trying to help acquaintence - medicare costs
Replies: 75
Views: 2691

Re: Trying to help acquaintence - medicare costs

Our Aetna MA plan includes Part D. Aetna has stated that if we choose any other Part D plan (we get solicitations every year) we will be kicked out of the medical insurance part of the Aetna MA plan, as well as the Part D. So, if you like the medical insurance, don't try to change the Part D. yes -...
by dm200
Wed Jan 17, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Best Sources to Buy Prescriptions Out of Pocket
Replies: 49
Views: 2896

Re: Best Sources to Buy Prescriptions Out of Pocket

Thanks for all the information. Just a recap on what I found out. I talked with my Walgreen's pharmacist and she said Goodrx was the best and most common discount program they see. Costco confirmed this but said they sometimes do not accept Goodrx coupons. He did not say why but my guess is the cou...
by dm200
Wed Jan 17, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Trying to help acquaintence - medicare costs
Replies: 75
Views: 2691

Re: Trying to help acquaintence - medicare costs

Our Aetna MA plan includes Part D. Aetna has stated that if we choose any other Part D plan (we get solicitations every year) we will be kicked out of the medical insurance part of the Aetna MA plan, as well as the Part D. So, if you like the medical insurance, don't try to change the Part D. yes -...
by dm200
Wed Jan 17, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: [Virginia] Transfer on Death Deeds .. New Husband?
Replies: 42
Views: 1662

Re: [Virginia] Transfer on Death Deeds .. New Husband?

OP--A prenuptial agreement could address many problems, and could be prepared in conjunction with the new wills that both members of the happy couple should prepare anyway. Note that a prenup must be signed before the wedding, and the wills can be prepared in advance but should be signed after the ...
by dm200
Wed Jan 17, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: Trying to help acquaintence - medicare costs
Replies: 75
Views: 2691

Re: Trying to help acquaintence - medicare costs

From the online summary, she seems to have zero $ copays for most things. She is paying $322/month - as best I see. For someone like her with large health issues/risks/costs - she is getting a good deal. Do you mean her Medicare Part B premium is included in the $322? Or is there another $134 on to...
by dm200
Wed Jan 17, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: How will or might nonprofits be affected by tax law changes?
Replies: 36
Views: 1745

Re: How will or might nonprofits be affected by tax law changes?

For our planning purposes, does anyone have any opinions or views on whether or if donors might reduce charitable contributions in 2018 and following? Some might. But the true believers in the cause probably won't. Though I won't get much in the way of charitable deductions going forward, I believe...
by dm200
Wed Jan 17, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 168
Views: 10684

Re: Stats on When People Take Social Security

That depends on how you do the math. When 50% of SS income suddenly became federally taxable for higher income retirees, that effectively cut their net benefit by some percentage... Sure - that did reduce net benefits. However, it did not affect folks differently on whether they filed earlier or la...
by dm200
Wed Jan 17, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: How will or might nonprofits be affected by tax law changes?
Replies: 36
Views: 1745

How will or might nonprofits be affected by tax law changes?

I am involved with a charity that funds an international relief initiative for a remote community in a third world country. We received some relatively significant year end 2017 donations. I suspect the tax law changes were involved. For our planning purposes, does anyone have any opinions or views ...
by dm200
Wed Jan 17, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: [Virginia] Transfer on Death Deeds .. New Husband?
Replies: 42
Views: 1662

Re: [Virginia] Transfer on Death Deeds .. New Husband?

I think checking with an estate attorney is a good idea. I just called the land records office and they told me that if she did a quit claim, half the equity in the house at the time would be taxable? This sounds like BS to me? There's no money changing hands.. and I can't find anything that talks ...
by dm200
Wed Jan 17, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Questions re:home insurace
Replies: 16
Views: 1058

Re: Questions re:home insurace

Note that some companies (like State Farm) have significant discounts when both auto and home are insured by same insurer.
by dm200
Wed Jan 17, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Trying to help acquaintence - medicare costs
Replies: 75
Views: 2691

Re: Trying to help acquaintence - medicare costs

Yes, a $200 OOP max is almost unheard of these days. Also depends on how high the copays are. However she's paying over $400/month for that coverage. Here's a link for comparison to Connecticutcare Medicare Advantage Plans. There are available to any CT resident eligible for Medicare. Almost all pl...
by dm200
Wed Jan 17, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: [Virginia] Transfer on Death Deeds .. New Husband?
Replies: 42
Views: 1662

Re: [Virginia] Transfer on Death Deeds .. New Husband?

Sorry, I don't mean to offend anyone with the 67 being considered "elderly". A previous poster was correct in that I just referred to her as being elderly because she qualifies in the county to take advantage of tax relief, which saves me about $6000 a year. I do understand that some people are ala...
by dm200
Wed Jan 17, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Car Scratch Removal
Replies: 13
Views: 1111

Re: Car Scratch Removal

No expert, but if the scratch is deep (shows base/primer colot), I would use touch up paint.