Search found 55 matches

by Linda
Fri Dec 11, 2009 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Question on auto accident claim & medical bills
Replies: 18
Views: 5286

Re: Question on auto accident claim & medical bills

Hi. I was involved in an accident last Oct. 2008. I got rear-ended and my car was totaled. I suffered whiplash and had to go thru chiropractic treatments from Dec. 2008 to April 2009. This is the first time I am dealing with doctors and insurance so I am clueless. Of course, I was communicating wit...
by Linda
Sat Dec 05, 2009 5:47 pm
Forum: Personal Consumer Issues
Topic: Do you reuse your towel?
Replies: 78
Views: 10872

I use one side of my towel for the waist up and the other side for waist down thus avoid getting "butt and feet germs" on my face or hair. I designate the side of the towel with the tag as "waist down" side. Towels are used for no more then a couple days though. This is probably more info then anyo...
by Linda
Sat Dec 05, 2009 5:00 pm
Forum: Personal Consumer Issues
Topic: Do you reuse your towel?
Replies: 78
Views: 10872

How bored are we responding to this? :D LOL Linda, you made me laugh and you sound like a very organized and precise person. There is nothing like a fresh towel and clean sheets. My needs are simple. LynnC Yea, we are obviously bored and easily amused. The best things in life are the simple things....
by Linda
Sat Dec 05, 2009 3:19 pm
Forum: Personal Consumer Issues
Topic: Do you reuse your towel?
Replies: 78
Views: 10872

Clean towel every day and sheets once a week. I do the laundry and yes they are all white towels, small bath size so 12 to a laundry load. Now let me ask you this. Most people are careful to wipe their butts or feet last when drying off, then why? The next time you dry off with the same towel your ...
by Linda
Mon Aug 24, 2009 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Identity Theft
Replies: 24
Views: 4886

Re: Identity Theft

I'm looking for any opinions or advice on preventing identity theft and/or people getting access to online accounts. In particular, recommendations on reputable companies or services that protect against this sort of thing would be appreciated. Thanks. I know that a lot of people on this forum do n...
by Linda
Mon Aug 10, 2009 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Info source re house prices?
Replies: 11
Views: 1661

Also try realtor.com or google ezmls. I like ezmls best because it gives a more detailed description of the property and more photos. Found our current home on ezmls.
by Linda
Thu Jul 02, 2009 3:21 pm
Forum: Personal Consumer Issues
Topic: Physician Burnout: Young vs. Old Docs
Replies: 153
Views: 24940

A group of ER doctors in Baton Rouge, LA diagnosed an aneurysm in the R vertebral artery that was oddly shaped and had been missed by 2 other ER's - one was in Tokyo. I had 3 strokes as a result of the dissecting aneurysm the neurosurgeon said that he almost completed the MRA without seeing the pro...
by Linda
Wed Jul 01, 2009 2:05 pm
Forum: Personal Consumer Issues
Topic: Physician Burnout: Young vs. Old Docs
Replies: 153
Views: 24940

Hi Roosevelt -- In the 80's, even before HMOs and the current crazy health care system, burnout was a problem with nurses. Poor hospital management, lack of nursing staff, snotty doctors (they are either very good or very bad, not a normal curve), abysmal pay were some of the reasons, but too few p...
by Linda
Mon Mar 09, 2009 9:25 am
Forum: Investing - Theory, News & General
Topic: ING Direct does not offer beneficiaries.
Replies: 14
Views: 3924

Bank accounts, no. Are you sure that really exists? I'm not sure it does. I think that goes through a will (unless you are talking joint ownership). Typically, taxable accounts can be re-registered with a Transfer On Death (TOD) or Payable on Death (POD) or In Trust For (ITF) registration. Such a r...
by Linda
Sun Mar 01, 2009 2:50 pm
Forum: Personal Consumer Issues
Topic: Jury duty...help!
Replies: 63
Views: 9201

A few years back, my husband got called for jury duty. It was a case of a lady suing for back injury claims to the tune of a million dollars or more. The problem is that she walked into the room where the lawyers choose the jurors, wearing 3 inch spike heels. I am sure they looked nice but a person ...
by Linda
Thu Feb 12, 2009 11:58 am
Forum: Personal Finance (Not Investing)
Topic: health insurance question
Replies: 24
Views: 5248

Is this helpful at all? It's an online search tool for health insurance. I hadn't seen it mentioned yet. I think it covers the insurers you mention. I did use it myself to cover a 6 month gap in my coverage (being British I also failed to understand how the US sytem works ;) http://www.ehealthinsur...
by Linda
Wed Feb 04, 2009 9:13 pm
Forum: Personal Consumer Issues
Topic: OT - Free lunch, really!
Replies: 64
Views: 8626

Petrocelli wrote:I consider it a personal accomplishment that I have made it through 5 decades without ever setting foot in a Denny's.
Wow, while I don't frequently eat there, I don't consider myself too good to do so. I admit that some Dennys are not so great, depending on the area, but some are just fine.
by Linda
Wed Feb 04, 2009 8:08 pm
Forum: Investing - Theory, News & General
Topic: Markopolos's Testimony to Congress on Madoff and the SEC
Replies: 63
Views: 10059

WOW! Well worth reading - when will Hollywood make the movie?! I could see Jack Nicholson or Anthony Hopkins playing Madoff. Maybe Harrison Ford could play Markopolo. No, I'm thinking Rick Moranis to play Markopolos: http://www.cbc.ca/thehour/blog/images/cast_crew_rick_moranis.jpg and Dustin Hoffma...
by Linda
Wed Feb 04, 2009 6:19 pm
Forum: Investing - Theory, News & General
Topic: Markopolos's Testimony to Congress on Madoff and the SEC
Replies: 63
Views: 10059

jj wrote:WOW! Well worth reading - when will Hollywood make the movie?!
I could see Jack Nicholson or Anthony Hopkins playing Madoff. Maybe Harrison Ford could play Markopolo.
by Linda
Wed Feb 04, 2009 4:36 pm
Forum: Personal Consumer Issues
Topic: Peanut butter recall
Replies: 19
Views: 3102

The unsanitary conditions and systemic regulatory issues that lead to salmonella outbreak, http://www.chicagotribune.com/news/nationworld/chi-peanut-newfeb04,0,1819241.story (“Inside ‘nasty’ peanut plant”). David James recalled opening a tote of peanuts at the processing plant in this small Georgia...
by Linda
Wed Feb 04, 2009 3:14 pm
Forum: Personal Consumer Issues
Topic: OT - Free lunch, really!
Replies: 64
Views: 8626

I can tell you that many employers do not comply with making up the difference to assure minimum wage. Many servers are teenagers and young adults who do not understand the law or how to make their employers comply if they did. Many are struggling financially and don't want to risk loosing their jo...
by Linda
Tue Feb 03, 2009 8:44 pm
Forum: Personal Consumer Issues
Topic: OT - Free lunch, really!
Replies: 64
Views: 8626

Generally I feel the rule on tipping on discounted meals is to tip the customary amount for the same meal without the discount. We tipped like we would if the meal wasn't free. The meal being free had nothing to do with the waiter. It's a Dennys marketing campaign. One person in our group had never...
by Linda
Tue Feb 03, 2009 7:48 pm
Forum: Personal Consumer Issues
Topic: OT - Free lunch, really!
Replies: 64
Views: 8626

Linda, Aren't waiters covered by federal and state minimum wage laws? Generally there are exceptions to minimum wage laws that cover jobs that normally make tips, in particular waitstaff and bartenders. There is still a minimum wage, but its much lower, somewhere around $3. Federal law also states ...
by Linda
Tue Feb 03, 2009 7:32 pm
Forum: Personal Consumer Issues
Topic: OT - Free lunch, really!
Replies: 64
Views: 8626

Linda, Aren't waiters covered by federal and state minimum wage laws? The federal minimum wage for tipped employees is $2.13 per hour (about $4300 per year if full time). Individual states may have higher minimums. http://www.dol.gov/esa/whd/regs/compliance/whdfs15.pdf Many people do not realize th...
by Linda
Tue Feb 03, 2009 5:56 pm
Forum: Personal Consumer Issues
Topic: OT - Free lunch, really!
Replies: 64
Views: 8626

Opponent Process wrote:
greg24 wrote:
Sunny wrote:I know diehards won't believe that there can be such a thing as a free lunch, so here's proof...
Did you tip?
15% of 0 is 0.
Did you know that most servers don't even make minimum wage? The usual pay in my area is $2.65 per hour. I'm sure Denny's is no exception. They really do rely on tips.
by Linda
Mon Feb 02, 2009 6:07 pm
Forum: Personal Consumer Issues
Topic: Electronic Medical Records: Seriously overrated.
Replies: 59
Views: 9474

Could his employer find out number of blood pressure meds my husband takes?? 1. That's illegal. Besides, I don't see how they'd have access. Illegal? Sure. I would not put it past some company's/employers to break the law and gain access if they knew they could. I used to do hardware and software c...
by Linda
Sat Jan 31, 2009 12:49 pm
Forum: Personal Consumer Issues
Topic: Electronic Medical Records: Seriously overrated.
Replies: 59
Views: 9474

We just received notice that our health insurance coverage through my husband's employer will be increasing rates by 10% this year UNLESS we put our medical records and history into their EMR system. I have been hesitant to do this as I would like to keep our records confidential. Could his employer...
by Linda
Wed Jan 28, 2009 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Nursing Home Question
Replies: 35
Views: 4759

What if the money one was gifted was then invested in a mutual fund which lost 50% of it's value? Would the recipient of the gift have to repay the original amount of the gift even though they only had 50% left?
by Linda
Sun Dec 07, 2008 2:48 pm
Forum: Personal Consumer Issues
Topic: Passenger Security Inspection Moments
Replies: 39
Views: 6281

Several years back, mid 1990's, we were headed home from the Denver International Airport. I had purchased a jackelope (antelope horns placed on a jack rabbit head as a mounting) for a gift for my father. We were stopped by security and questioned as to what this was. Then they informed me that it c...
by Linda
Thu Oct 09, 2008 7:51 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 356
Views: 186358

Sheepdog,

Don't forget the advice you gave to "my 72 y/o worried mom" yesterday.

I know you must have a LOT more in this fund then she does and her circumstances are different then yours. I wish you the best in whatever you end up doing.

Linda
by Linda
Thu Oct 09, 2008 7:45 pm
Forum: Personal Consumer Issues
Topic: OT: right time to buy a diamond?
Replies: 81
Views: 13266

Hi Met Income, Totally agree with this whole diamond scam. It is a social status symbol for most. Even as a women, I can see how successful this industry has been in marketing, or should I say brainwashing, our culture that for every marriage there must be a diamond included. On the other hand, it i...
by Linda
Thu Oct 09, 2008 7:31 pm
Forum: Personal Consumer Issues
Topic: OT: right time to buy a diamond?
Replies: 81
Views: 13266

Hi Norak, According to my NAS Ryrie Study Bible, 1 Peter 3-3 "This verse does not prohibit all jewelry; if it did, it would prohibit all clothing! It condemns ostentation and enjoins modesty and meekness. " You say " don't just rationalize so you can feed your lusts". Are you for real?? Good luck wi...
by Linda
Thu Oct 09, 2008 10:09 am
Forum: Personal Investments
Topic: My 72 y/o mom is worried and asking me what to do
Replies: 15
Views: 2590

Thanks Bookshop,

I will discuss this with her shortly as we are about to meet for our 1 and 1/2 mile walk that we take together each day.

Linda
by Linda
Thu Oct 09, 2008 9:34 am
Forum: Personal Investments
Topic: My 72 y/o mom is worried and asking me what to do
Replies: 15
Views: 2590

Hi djw, It is reassuring to hear you say that her financial affairs are in good shape. I helped her reorganize all of her finances after my father passed away about 3 years ago. We got her money out of a high fee company and into Vanguard and ING. It was the education that I received from Bogleheads...
by Linda
Wed Oct 08, 2008 5:29 pm
Forum: Personal Investments
Topic: My 72 y/o mom is worried and asking me what to do
Replies: 15
Views: 2590

Hi Lucky7,

Very true. I need to stop watching the news as well.
by Linda
Wed Oct 08, 2008 5:19 pm
Forum: Personal Investments
Topic: My 72 y/o mom is worried and asking me what to do
Replies: 15
Views: 2590

Hi Bozo and Imperabo, The CD latter is interesting to consider, thanks. I guess it depends on how much anxiety it is causing her when deciding about the Treasury MM fund. Thanks to you both. I just called her a moment ago and she is reading everyone's responses as we speak. Appreciate all opinions. ...
by Linda
Wed Oct 08, 2008 5:04 pm
Forum: Personal Investments
Topic: My 72 y/o mom is worried and asking me what to do
Replies: 15
Views: 2590

Hi Chaz,

I was thinking the same thing. She is set up fairly well to meet her needs and this is a pretty conservative fund. But these are crazy times we are in right now.

Thanks for your advice.

Linda
by Linda
Wed Oct 08, 2008 4:39 pm
Forum: Personal Investments
Topic: My 72 y/o mom is worried and asking me what to do
Replies: 15
Views: 2590

My 72 y/o mom is worried and asking me what to do

Mom is widowed and has a decent fixed income from SS and a federal pension. She has no debt other then a car loan at about $200 per month and the balance of the loan is about $1500. There is less then 30,000 miles on it so it should last her a while. Her house is paid for and she has no CC debt. She...
by Linda
Wed Oct 08, 2008 9:27 am
Forum: Personal Consumer Issues
Topic: OT: right time to buy a diamond?
Replies: 81
Views: 13266

Hi Petrocelli,

So far I have not been cited for wearing my jewelry to church either. If Norak thinks he is going to find a women who follows every bible verse literally, he has his work cut out for him. Sounds like your wife has a good husband.

Linda
by Linda
Wed Oct 08, 2008 8:41 am
Forum: Personal Consumer Issues
Topic: OT: right time to buy a diamond?
Replies: 81
Views: 13266

Norak,

Regarding 1 Timothy 2: 9-12, these are instructions for what a women should where or not where, and how she should behave, when in CHURCH.
It does not say she should not where jewelry outside of church.

Be sure you read "her contract" carefully.

Linda
by Linda
Mon Oct 06, 2008 6:09 pm
Forum: Personal Consumer Issues
Topic: OT: right time to buy a diamond?
Replies: 81
Views: 13266

Hi Englishgirl Agree with you totally about a CZ ring. It would be something fun to have for parties and such. I don't and will never have any daughters. My mom has her mom's wedding set, which I will end up with some day. Hopefully, I will have a granddaughter to pass it along to. Don't know what I...
by Linda
Mon Oct 06, 2008 3:13 pm
Forum: Personal Consumer Issues
Topic: OT: right time to buy a diamond?
Replies: 81
Views: 13266

Here is another woman's point of view. I am similar to Marie17 when it comes to jewelry. I have a few good pieces that I where most of the time. I was raised in a frugal home as well and there were no "shiny things". When I was first married ( 24 years ago) I did get a diamond wedding set which at t...
by Linda
Sat Oct 04, 2008 5:47 pm
Forum: Personal Investments
Topic: Terribly Frightened
Replies: 30
Views: 8346

Hi BobbyGigi, I am not going to offer any financial advice as there are many far more qualified people on this forum to do that. I am just one of the many who were fortunate to find Bogleheads and I am in the process of becoming more educated due to these knowledgeable, respectful people here who sh...
by Linda
Thu Oct 02, 2008 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: xxxxxxxxxxxx
Replies: 14
Views: 3467

Hi Jumbo, I have had recent experience with this same situation. I, too, was uncertain on how to handle it. My 21 y/o son was the one involved in the accident but I handled the claim for him from start to finish. I decided I would give it a try on my own and if I felt I needed a lawyer I could get o...
by Linda
Thu Oct 02, 2008 12:15 pm
Forum: Personal Investments
Topic: Auto accident this am...what are my options?
Replies: 14
Views: 2248

Hi Woof, Sorry to hear about your wife's accident and thankfully she was not injured seriously. Don't assume that she has no injuries though. You said that the car was almost totaled so she must have been hit pretty hard. It is not unusual for pain from certain types of injuries to occur a day or a ...
by Linda
Mon Sep 15, 2008 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Serious illness and financial planning
Replies: 28
Views: 5701

Hi arbtx, As far as making long term financial decisions after receiving my cancer diagnosis and having surgery, we just decided to live life as usual. This situation taught me that you never know what is around the corner in life. Anything can happen to anyone at anytime. My cancer was early invasi...
by Linda
Wed Sep 10, 2008 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Serious illness and financial planning
Replies: 28
Views: 5701

artbx, I am so sorry that you have to face this diagnosis at this time in your life, especially when you are about buy a home. You said that it has not even been staged yet. Maybe, before making any decisions, wait to see what stage it is in. It could turn out it to be very treatable with a lumpecto...
by Linda
Sun Aug 24, 2008 3:01 pm
Forum: Personal Consumer Issues
Topic: Any Home wine makers out there?
Replies: 11
Views: 2849

My husband has been making wine for about a year and a half. He uses Welches 100% grape juice for the base. He adds yeast, bentonite (eleminates the sediment), sugar (amount of sugar used determines the alcohol content), plum juice and black cherry juice. This recipe results in a Merlot flavored win...
by Linda
Sun Aug 17, 2008 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance/Home Insurance - Experiences
Replies: 14
Views: 3103

The company we use is State Farm. We have been with them 23 years. All good experiences.
by Linda
Sun Aug 17, 2008 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance/Home Insurance - Experiences
Replies: 14
Views: 3103

Fortunately we have had good experiences over the years with our home/auto insurance coverage. We have everything combined with one company to be able to get the discount. In the past, we have filed 2 claims on our homeowners policy. One was a robbery and the other was a kitchen fire. Both times we ...
by Linda
Tue Jul 22, 2008 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Ambulance "insurance" though county a good deal?
Replies: 21
Views: 4213

$50 a year is slightly more then $4 a month and if this covers the WHOLE FAMILY, it sounds like money well spent to me. Also, if the dues are going to help with community revenue then it may benefit you in other ways. It sounds kind of like a volunteer tax but with a possible payoff. I agree with Mr...
by Linda
Mon Jul 21, 2008 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Ambulance "insurance" though county a good deal?
Replies: 21
Views: 4213

My son took a 15 mile trip in an ambulance and the bill is over $1600. There's more details on that in the "Medical Payment Auto Insurance" discussion. He was not critically injured either. If this were offered in my area, I would have to consider it seriously. Knowing you were covered would make yo...
by Linda
Mon Jul 21, 2008 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Payment Auto Insurance?
Replies: 15
Views: 6287

Forgot to mention that his limit is $5000 each accident. Not a lot but it sure worked well for us this time. Insurance companies try to get reimbursed for this cost if they can by going after the vehicles owner's insurance company or any settlement that you collect. Unfortunately, the owner of this ...
by Linda
Mon Jul 21, 2008 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Payment Auto Insurance?
Replies: 15
Views: 6287

Hi dm200, Yes, State Farm "med pay" did pay even though it was not his vehicle. Actually, I had most of the providers bill State Farm directly. I had to assist my son with this process. I was his "accident manager." It would also pay if he were a pedestrian and was hit by an automobile. I think this...
by Linda
Mon Jul 21, 2008 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Payment Auto Insurance?
Replies: 15
Views: 6287

I am not regular poster here. I mostly lurk and learn. However, I do have some recent experience with this subject. Last January my 21 year son was a passenger in a vehicle accident. His friend was speeding and took a corner too fast which resulted in a head on collision with a tree. The driver was ...