Search found 18307 matches

by dm200
Tue Oct 23, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 887
Views: 96204

Re: [What TV Show Have You Recently Watched?]

Splitting Up Together and Manifest
by dm200
Tue Oct 23, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: How often does Costco have the deals on 4 Michelin tires?
Replies: 23
Views: 1434

Re: How often does Costco have the deals on 4 Michelin tires?

btenny wrote:
Tue Oct 23, 2018 5:48 pm
The Costco by me has them on sale for $130 off right now. I bought a set of four for my Subaru last week. That was Carson City Nevada.
Yes - that is what, initially, prompted my post. My wife will get our tires replaced (and get the $130 discount) this week. :)
by dm200
Tue Oct 23, 2018 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: When Will Attaining Millionaire Status Be Obsolete?
Replies: 77
Views: 3994

Re: When Will Attaining Millionaire Status Be Obsolete?

I was looking at the current tuition from the private university I graduated from in 1967.

My starting salary upon graduation was a little over 4 times the average one year tuition and 3.7 times my senior year tuition.

Tuition only today at the same university is over $50,000 per year. :oops:
by dm200
Tue Oct 23, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: How often does Costco have the deals on 4 Michelin tires?
Replies: 23
Views: 1434

Re: How often does Costco have the deals on 4 Michelin tires?

My wife just checked - over ten years old.

Plan on replacing all four this week. :happy
by dm200
Tue Oct 23, 2018 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 63
Views: 5651

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

I would suspect that a lot of people,especially if still able bodied at the time,if diagnosed with cancer,especially if one of the Monsters (I really would like to use a curse word here) such as Pancreatic or Small/Oat Cell of the Lung would tend to spend a great deal of their savings on an expensi...
by dm200
Tue Oct 23, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: Medicare Information - seems impartial
Replies: 9
Views: 633

Re: Medicare Information - seems impartial

In my opinion, most Medicare recipients I encounter do not properly evaluate the financial aspects of what they do or do not have. For example, I was chatting with an acquaintance who has the same Medicare plan options as I do. I pay $30 per month for "standard" and she pays $142 for "high option". ...
by dm200
Tue Oct 23, 2018 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Should I own my home through an LLC?
Replies: 19
Views: 2305

Re: Should I own my home through an LLC?

An LLC often does not protect you - as you might believe. For many kinds of loans and significant contractual relationships, it may be required to sign a personal guarantee of a contract or loan with/to the LLC.
by dm200
Tue Oct 23, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: Medicare Information - seems impartial
Replies: 9
Views: 633

Re: Medicare Information - seems impartial

While I have not looked forward to having to switch doctors - when insurance changed so required - I have concluded that keeping the same doctors is often over-rated as a benefit - as long as it is not really frequent. In the last 3-4 years, three of my regular specialists have retired - and the "ne...
by dm200
Tue Oct 23, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: Medicare Information - seems impartial
Replies: 9
Views: 633

Re: Medicare Information - seems impartial

Behavioral research has found that people often make better decisions when they have standardized, easily explained choices. However, Medicare insurers are moving away from standardized coverage toward benefits tailored to an individual’s needs and preferences. Seems to be a two-edged sword ... I a...
by dm200
Tue Oct 23, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Vehicle to vacation w/dogs (staying in hotels/VRBOs)
Replies: 9
Views: 528

Re: Vehicle to vacation w/dogs (staying in hotels/VRBOs)

There is an over-ride system you can have added to your car to leave it running with the a/c on and still have the vehicle doors locked. You don't even leave a key in the ignition. Probably every police dog handler in the country has one. Find the local company that installs lights, sirens, and rad...
by dm200
Tue Oct 23, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Vehicle to vacation w/dogs (staying in hotels/VRBOs)
Replies: 9
Views: 528

Re: Vehicle to vacation w/dogs (staying in hotels/VRBOs)

I suspect that a risk of leaving dogs in any vehicle, however safe, would be folks who would see this and believe it is risky for the dogs -- and either smash the windows or call the police.
by dm200
Tue Oct 23, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Making loose leaf tea
Replies: 31
Views: 1103

Re: Making loose leaf tea

My paternal grandmother was part of our household in the 1950's and 1960's - of Irish descent. She always made loose tea - in a teapot with boiling water. She did not like tea bags at all. Long time ago -- but I think she just left the tea leaves in the pot - and the tea was usually fully consumed ...
by dm200
Tue Oct 23, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: Medicare Information - seems impartial
Replies: 9
Views: 633

Medicare Information - seems impartial

Choosing Medicare options can be a challenge. Saw this site that seems to have good and impartial information https://www.pbs.org/newshour/economy/making-sense/medicare-open-enrollment-has-begun-heres-how-to-navigate-your-options?utm_content=buffer7f77e&utm_medium=social&utm_source=facebook.com&utm_...
by dm200
Tue Oct 23, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 166
Views: 14018

Re: Where would you go for financial guidance if you win the Megamillions?

I think I would hire my brother to help me manage the windfall.

I live in Virginia - we cannot be anonymous - but can be in nearby Maryland.
by dm200
Tue Oct 23, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: When Will Attaining Millionaire Status Be Obsolete?
Replies: 77
Views: 3994

Re: When Will Attaining Millionaire Status Be Obsolete?

... since wages seems to be declining over time as compared to costs of living? ... FWIW, that isn't quite the case US Real Income Per Capita US Median Real Income What has happened, is -the gap has widened between the poor and the rich (even though they've both been raised up) -Healthcare costs ha...
by dm200
Tue Oct 23, 2018 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: When Will Attaining Millionaire Status Be Obsolete?
Replies: 77
Views: 3994

Re: When Will Attaining Millionaire Status Be Obsolete?

I remember when the state lotteries started, with a prize of a million dollars, paid out in 20 payments of $50,000. People, even young people, considered themselves “set for life” if they won. While it’s better than a stick in the eye, how lucky would you feel today winning that prize? Note that th...
by dm200
Tue Oct 23, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Making loose leaf tea
Replies: 31
Views: 1103

Re: Making loose leaf tea

My paternal grandmother was part of our household in the 1950's and 1960's - of Irish descent. She always made loose tea - in a teapot with boiling water. She did not like tea bags at all.
by dm200
Tue Oct 23, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?
Replies: 34
Views: 2096

Re: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?

My wife would take full maternity leave which is 12 weeks and then return to work full time. She did that with our 2 year old. They didnt ask about her pregnancy but it will show in a few weeks. The sooner she starts the job - the better, in my opinion. I thought six weeks was the "normal" maternit...
by dm200
Tue Oct 23, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Which HDHP plan is better, Blue Cross or United
Replies: 24
Views: 960

Re: Which HDHP plan is better, Blue Cross or United

Blue Cross is not an insurance plan provider but a network of providers.
Yes - In this area, there are two BCBS providers and which one you get depends on which side of a local highway you reside OR where your employer is located.
by dm200
Tue Oct 23, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Which HDHP plan is better, Blue Cross or United
Replies: 24
Views: 960

Re: Which HDHP plan is better, Blue Cross or United

If you travel a lot or coverage during travel is important - I might check that aspect out.
by dm200
Tue Oct 23, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: How often does Costco have the deals on 4 Michelin tires?
Replies: 23
Views: 1434

Re: How often does Costco have the deals on 4 Michelin tires?

Costco seems to have sales on the Michelin tires every other month, although this is my estimate. (There is a sale going on now through October 28--$70 off four Michelin tires.) The sales seem to alternate monthly between Michelin and Bridgestone tires. That was my guess as well. I think we want th...
by dm200
Mon Oct 22, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?
Replies: 34
Views: 2096

Re: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?

Thank you all for your opinions and advise. She is working in the field of science and researcj so no real phyiscal activity beyond standard experiments. We were reading through the benefits and it says anybody is eligible for maternity leave after they have completed 30 days of full time or part t...
by dm200
Mon Oct 22, 2018 5:24 pm
Forum: Personal Consumer Issues
Topic: How often does Costco have the deals on 4 Michelin tires?
Replies: 23
Views: 1434

Re: How often does Costco have the deals on 4 Michelin tires?

One small gotcha with Costco - they will not install tires with a lower speed rating than the OEM tires. In most cases this isn't an issue (if your car shipped with H or T rated tires, you have tons of options), but sometimes fairly sedate cars come with tires with high performance (V, W) speed rat...
by dm200
Mon Oct 22, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?
Replies: 34
Views: 2096

Re: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?

My wife would take full maternity leave which is 12 weeks and then return to work full time. She did that with our 2 year old. They didnt ask about her pregnancy but it will show in a few weeks. The sooner she starts the job - the better, in my opinion. I thought six weeks was the "normal" maternit...
by dm200
Mon Oct 22, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: How often does Costco have the deals on 4 Michelin tires?
Replies: 23
Views: 1434

Re: How often does Costco have the deals on 4 Michelin tires?

If you want to shop elsewhere, the "deal" is usually matched (or beaten) by competing tires shops around the same time. You'll get a $100 Visa gift card instead. Costco's tire prices aren't actually all that great but I do like the road hazard warranty. All I do these days is buy Michelin from Cost...
by dm200
Mon Oct 22, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?
Replies: 34
Views: 2096

Re: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?

The rules and employer practices about marriage, pregnancy, childbirth, etc. sure have changed over the decades since I first began full time employment out of college.
by dm200
Mon Oct 22, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?
Replies: 34
Views: 2096

Re: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?

First, congratulations. There is absolutely no need for your wife to inform her employer, current or prospective, about her pregnency. It is a personal detail between her and whoever she wish to share it with including family members notwithstanding cultural norms that may vary. When it comes to pr...
by dm200
Mon Oct 22, 2018 4:59 pm
Forum: Investing - Theory, News & General
Topic: Shouldn't Fridays be higher than average due to 401k contributions?
Replies: 44
Views: 2879

Re: Shouldn't Fridays be higher than average due to 401k contributions?

bayview wrote:
Mon Oct 22, 2018 4:52 pm
Feds get paid on Thursdays. My TSP contributions (agency was VA) showed Friday mornings with Thursday’s closing prices.
I know some Feds who get paid on Tuesdays and some on Wednesdays. Some Feds are paid on different alternate weeks.
by dm200
Mon Oct 22, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?
Replies: 34
Views: 2096

Re: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?

So my wife got a job offer from a large mutli-national coporation. She wants the job and it will be both be a quality of life improvement - 10 min drive from our home meaning more time with our son and a fininacial benefit. However we learned very recently that she is pregnant. Now we are not sure ...
by dm200
Mon Oct 22, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: How often does Costco have the deals on 4 Michelin tires?
Replies: 23
Views: 1434

Re: How often does Costco have the deals on 4 Michelin tires?

Costco seems to have sales on the Michelin tires every other month, although this is my estimate. (There is a sale going on now through October 28--$70 off four Michelin tires.) The sales seem to alternate monthly between Michelin and Bridgestone tires. That was my guess as well. I think we want th...
by dm200
Mon Oct 22, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 74
Views: 3894

Re: Car Dealer told us car was Certified, but it isnt

When we went to sign the paperwork, we were asked about buying an extended warranty and we told that sales person, no the car has already been certified by you so there shouldn't be a need for another warranty. Seems like the dealer's person would have all the paperwork and would know about whether...
by dm200
Mon Oct 22, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: How often does Costco have the deals on 4 Michelin tires?
Replies: 23
Views: 1434

How often does Costco have the deals on 4 Michelin tires?

At some point in the next 6-12 months (guess), we may want to replace 4 tires on our 2002 Camry. I notice that Costco seems to have a great periodic discount when you buy four Michelins ($70 off purchase PLUS $60 off if you use their Citicard). Any idea if there is a regular schedule and how often t...
by dm200
Mon Oct 22, 2018 4:14 pm
Forum: Investing - Theory, News & General
Topic: Shouldn't Fridays be higher than average due to 401k contributions?
Replies: 44
Views: 2879

Re: Shouldn't Fridays be higher than average due to 401k contributions?

Even Federal Government employees - who are paid every two weeks have different may have different days of the week when they get paid.
by dm200
Mon Oct 22, 2018 4:09 pm
Forum: Investing - Theory, News & General
Topic: Shouldn't Fridays be higher than average due to 401k contributions?
Replies: 44
Views: 2879

Re: Shouldn't Fridays be higher than average due to 401k contributions?

and employers may fund 401k plans on days different than paydays.

I suspect that net 401k purchases are only a small part of market activity on any given day, date or day of the week.
by dm200
Mon Oct 22, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 74
Views: 3894

Re: Car Dealer told us car was Certified, but it isnt

When I bought my first car (1967) the final selling point was the salesman's "promise" for a free loaner car when my 1967 was in for service. When the first servicing was scheduled, the dealership knew nothing about this "promise" - so I contacted the salesman - and he found me a free car to use for...
by dm200
Mon Oct 22, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: Shouldn't Fridays be higher than average due to 401k contributions?
Replies: 44
Views: 2879

Re: Shouldn't Fridays be higher than average due to 401k contributions?

Over the years, I have been paid on Mondays, Thursdays and Fridays (weekly or biweekly). I have also been paid semi-monthly on the 15th and last day.
by dm200
Mon Oct 22, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 63
Views: 5651

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

Back to the original scope of this thread; cancer treatments I'm sure are expensive. Nonetheless, there are other illnesses which require high medicare care and then morphs into additional long term nursing care. My mother had major cardiac issues, which called for extensive, initial medicare care,...
by dm200
Mon Oct 22, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 63
Views: 5651

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

... To keep this actionable how does one protect themselves from this financial threat? Insurance. Having a medical insurance is good. Having two insurances is even better. When I become eligible for Medicare I will get Medicare Part B and will keep my FEHB insurance. Some Federal retirees are plan...
by dm200
Mon Oct 22, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 74
Views: 3894

Re: Car Dealer told us car was Certified, but it isnt

I guess this was "salesman certified" :(
by dm200
Mon Oct 22, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 63
Views: 5651

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

... To keep this actionable how does one protect themselves from this financial threat? Insurance. Having a medical insurance is good. Having two insurances is even better. When I become eligible for Medicare I will get Medicare Part B and will keep my FEHB insurance. Some Federal retirees are plan...
by dm200
Mon Oct 22, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 63
Views: 5651

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

The disability insurance may replace all or part of your salary if you could not work during or after your treatment. The cost varies depending on coverage and underwriting. Many employers offer a group plan. Most Bogleheads recommend skipping that in favor of individual DI or at least supplementin...
by dm200
Mon Oct 22, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 74
Views: 3894

Re: Car Dealer told us car was Certified, but it isnt

We bought a certified pre-owned Mazda CX-9 in May, we were told by initial sales person that it was certified. We asked questions about the certification, how it works, what do they check for etc.... We told him how the other Mazda dealership in another state wanted to charge us for the Certificati...
by dm200
Mon Oct 22, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 63
Views: 5651

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

Seems that way to me as well. It is also true that lifestyle choices greatly affect the chances that we will get many kinds of cancer. It's also important to note that bad luck plays a bigger role overall. See https://www.scientificamerican.com/article/most-cancer-cases-arise-from-bad-luck/ (and ot...
by dm200
Mon Oct 22, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: House has major repair issues right after buying... options
Replies: 27
Views: 2089

Re: House has major repair issues right after buying... options

Maybe (?) if these flippers are in this as a regular ongoing operation, they might be cooperative.

Is there any way to know who is to blame - the flippers or a contractor?
by dm200
Mon Oct 22, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: House has major repair issues right after buying... options
Replies: 27
Views: 2089

Re: House has major repair issues right after buying... options

I'm guessing you had an inspection done, but the inspector didn't pick up on this. Any chance you purchased a homeowners warranty policy? My guess is that there is really no recourse - although I'd definitely discuss with the flippers and see if they'd do the right thing and offer to help with fixi...
by dm200
Mon Oct 22, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 63
Views: 5651

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

Ragnoth wrote:
Mon Oct 22, 2018 12:48 pm
The headline is sensational, but the costs of health care at end of life are no joking matter.
Between medical bills, extra costs of home care, and lost earnings (if you are still working), it can put an incredible dent into any amount of savings.
Yes - very true.
by dm200
Mon Oct 22, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 63
Views: 5651

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

There are large numbers of folks who have had cancer where the costs are fully covered by health insurance and fully dealt with using sick leave from work. While there is no "good" kind of cancer, the type I had 30+ years ago was dealt with by surgery and regular followup. I only missed about a week...
by dm200
Mon Oct 22, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 63
Views: 5651

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

bottlecap wrote:
Mon Oct 22, 2018 12:19 pm
Don't be terrified. It's a very misleading headline and an only slightly less misleading study.
JT
Seems that way to me as well.

It is also true that lifestyle choices greatly affect the chances that we will get many kinds of cancer.
by dm200
Mon Oct 22, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Which HDHP plan is better, Blue Cross or United
Replies: 24
Views: 960

Re: Which HDHP plan is better, Blue Cross or United

If you have providers that are part of both networks, ask a provider about convenience, etc. of using one vs the other.