Search found 1619 matches

by drawpoker
Thu Nov 10, 2016 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Maryland Living Trust
Replies: 9
Views: 862

Re: Maryland Living Trust

Is there a limit on the max. price of the family home? Honestly, I dunno the answer to that. I don't think so, but please, look it up, don't trust me. :oops: Each state is allowed to make a lot of Medicaid rules of their own irrespective of the federal aspects. I believe, last time I looked, yes, M...
by drawpoker
Thu Nov 10, 2016 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Maryland Living Trust
Replies: 9
Views: 862

Re: Maryland Living Trust

PapaGeek wrote:......As I understand joint titled property between non-married couples, half of the clear value of the property is subject to the inheritance tax.....

Who told you this? A Maryland attorney?
by drawpoker
Thu Nov 10, 2016 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: "No Referral Needed" Medicare speak
Replies: 32
Views: 2641

Re: "No Referral Needed" Medicare speak

...So, did you have to see (and pay for) your PCP in the office to get this referral? Maybe this "referral" requirement has to do with increasing the probability that the specialist will get paid and you are not a deadbeat. To answer your question, no, I didn't, but don't think I can explain more w...
by drawpoker
Thu Nov 10, 2016 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Single or 2 stage HVAC system?
Replies: 6
Views: 1046

Re: Single or 2 stage HVAC system?

I could kick myself in the rear for NOT buying the two-stage technology when I had to replace my heat pump. Not sure about the costs but the beauty of the two-stage system is that if your favorite easy chair is directly under a duct during the winter you will be hit with a cold blast of air when the...
by drawpoker
Thu Nov 10, 2016 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: "No Referral Needed" Medicare speak
Replies: 32
Views: 2641

Re: "No Referral Needed" Medicare speak

This may not be related to Medicare but rather a new and annoying trend that is cropping up. A couple of months ago I tried to book an appointment with an endocrinologist. Secretary said, nope, gotta have a referral from PCP first. I said, is this because I have Medicare? She said no, we don't set a...
by drawpoker
Wed Nov 09, 2016 12:28 am
Forum: Personal Finance (Not Investing)
Topic: Risk of not paying sales tax?
Replies: 36
Views: 4814

Re: Risk of not paying sales tax?

....don't think you're gonna get much sympathy from others here that follow the rules and pay taxes. Why do we have to pay taxes and you don't? For the very, very last time - May I say I am at risk to go out of my freaking mind here - go berserk as they say :wink: If I hear one more person refer to...
by drawpoker
Tue Nov 08, 2016 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Risk of not paying sales tax?
Replies: 36
Views: 4814

Re: Risk of not paying sales tax?

Oh, Jeeez, almighty. I give up. Epsilon Delta, didn't it occur to you in plodding thru all the tedious text in the link to your BOE - that the Land of Fruit & Nuts has again distinguished itself - duh It all comes down to semantics. In the case of the Calif BOE people - when they say the seller (mer...
by drawpoker
Tue Nov 08, 2016 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: HECM Line of Credit Never Used?
Replies: 2
Views: 449

Re: HECM Line of Credit Never Used?

Doesn't sound like a plan to me. One of the conditions of the HECM reverse mortgage is that if the borrower leaves the home (enters long term care in a facility as you describe) the loan is called. Whatever the balance owed, it is all nicely figured up, lender is paid, and whoever now owns the home ...
by drawpoker
Tue Nov 08, 2016 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Maryland Living Trust
Replies: 9
Views: 862

Re: Maryland Living Trust

afan, what the OP is talking about is our state's inheritance taxes due when property passes to non-lineal heirs. In Maryland, lineal heirs are considered to be spouses, siblings, children, grandchildren, great-grandchildren, and so forth. He and his S.O (Shirley) are not married, and apparently, do...
by drawpoker
Tue Nov 08, 2016 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Risk of not paying sales tax?
Replies: 36
Views: 4814

Re: Risk of not paying sales tax?

I don't know anything, but I'll throw out two ideas in the hope that someone knowledgeable responds. 1. If your wife sells each necklace for $75, of which $60 is materials, do she need to collect sales tax on the $60? Sales tax is calculated on the final cost of the item sold by the seller. Only ex...
by drawpoker
Tue Nov 08, 2016 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Risk of not paying sales tax?
Replies: 36
Views: 4814

Re: Risk of not paying sales tax?

I guess everyone thinks differently depending on perspective. Retailers always post signs giving the price of an item. Most adults know enough that the advertised price does not include sales tax. I have an idea. Can the Necklace Lady move her business over to Delaware? I just noticed on my last tri...
by drawpoker
Tue Nov 08, 2016 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Risk of not paying sales tax?
Replies: 36
Views: 4814

Re: Risk of not paying sales tax?

If you buy a pack of gum at the store for 20 cents, do you get charged tax? Or does the store say, oh, forget it, that sale is too small to bother with. :? That's the answer to your question. :P Really, the Necklace Maker should stop stressing and just go ahead and file to collect and remit the sale...
by drawpoker
Tue Nov 08, 2016 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Maryland Living Trust
Replies: 9
Views: 862

Re: Maryland Living Trust

Don't be concerned with the IRAs - the money goes directly to the beneficiary you name, does not pass thru probate, so no Maryland inheritance tax involved. The cars and motor home should be classed as personal property. If they are titled in both names, your's and Shirley, then when one owner dies,...
by drawpoker
Tue Nov 08, 2016 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Risk of not paying sales tax?
Replies: 36
Views: 4814

Re: Risk of not paying sales tax?

Well, actually, if you want to really delve into this, do a thorough analysis here of What's What : Your wife should apply for a tax-exempt certificate for herself. Why? She should be exempt from paying sales tax on the materials, raw goods, she buys that are used to create The Jewelry. The law allo...
by drawpoker
Tue Nov 08, 2016 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Risk of not paying sales tax?
Replies: 36
Views: 4814

Re: Risk of not paying sales tax?

Our city does not require licenses for temporary businesses like an open air craft fair or farmer's market. No, you misunderstood. I was asking doesn't either the city or county require that your wife obtain a business license to sell her jewelry. (Many states do not impose sales tax on food so the...
by drawpoker
Tue Nov 08, 2016 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Risk of not paying sales tax?
Replies: 36
Views: 4814

Re: Risk of not paying sales tax?

What are the consequences for continuing to refer to this as paying the tax. :x The seller is collecting the sales tax, not paying. The purchaser is paying . Frankly, I'm rather surprised that none of the approx. 250 people who purchased these necklaces never questioned why they were not charged sal...
by drawpoker
Tue Nov 08, 2016 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Risk of not paying sales tax?
Replies: 36
Views: 4814

Re: Risk of not paying sales tax?

You say she organized her business as a LLC in order to be eligible to sell at crafts fairs, festivals, etc. Don't those venues also require a current business license from the city/county/state? Does she have the appropriate licensing to do what she does? Is she filing Schedule C and reporting the ...
by drawpoker
Tue Nov 08, 2016 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare, Ugh
Replies: 34
Views: 3181

Re: Medicare, Ugh

Let's be careful here not to get the thread closed. Speculating about legislative action or politics is pretty much out of bounds, isn't it.
I'm tired of seeing threads padlocked here just when they get interesting, which seems to have happened frequently in the past few days. :(
by drawpoker
Tue Nov 08, 2016 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement F vs C
Replies: 23
Views: 2329

Re: Medicare Supplement F vs C

.... We don't know if they will, and we don't know if they won't. ...... ..... seems to me there are at least three likely possibilities..... Seems to me those of us who carry one of the Blues (me, cheese-breath, and some others here) for our Medigap supplements are wasting our time speculating. No...
by drawpoker
Tue Nov 08, 2016 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare, Ugh
Replies: 34
Views: 3181

Re: Medicare, Ugh

..This is where the uncertainty enters the picture. Stay reasonable healthy and MA seems like a no brainer. But with annual out of pocket maximums around $6K or more for many MA plans a later life expensive major condition might eat up all the previous years savings and then some. Plus you are lock...
by drawpoker
Tue Nov 08, 2016 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare, Ugh
Replies: 34
Views: 3181

Re: Medicare, Ugh

...If you have more complicated medical issues there may not be any easy answers. I beg to disagree! If you already KNOW you have complicated medical issues before turning 65, thank your Lucky Stars for the concept of Open Enrollment (no underwriting and asking health questions) The easy answer is ...
by drawpoker
Tue Nov 08, 2016 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Medicare, Ugh
Replies: 34
Views: 3181

Re: Medicare, Ugh

May be a bit off-topic but since MyMedicare dot org website has been brought up (for viewing records) it bears mentioning that - just like the social security website - they are now requiring you to change passwords regularly. Think the new rule is every 3 months, maybe 6. I know I got a pop-up scre...
by drawpoker
Tue Nov 08, 2016 11:41 am
Forum: Personal Finance (Not Investing)
Topic: The problem with Medicare Plan N
Replies: 10
Views: 1786

Re: The problem with Medicare Plan N

I know this is a bit off topic from the OP . . . my apologies. No apology necessary! And it is not off-topic one whit to my thinking - thread is focusing on what sort of unexpected surprises a Medicare beneficiary might encounter if they fail to determine if a provider accepts assignment or not. A ...
by drawpoker
Tue Nov 08, 2016 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Medicare, Ugh
Replies: 34
Views: 3181

Re: Medicare, Ugh

Yes, lots and lots of decisions to make. None of 'em easy, either. Unless you are lucky enough to live in a ZIP code where a top-notch MA plan is offered - and for the majority of people in the U.S. - this is not the case, probably the hardest decision is going to be which form of supplemental insur...
by drawpoker
Mon Nov 07, 2016 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Sister scammed online, several $K - not sure what to advise
Replies: 68
Views: 7150

Re: Sister scammed online, several $K - not sure what to advise

dm200 wrote:...under NO (repeat NO) circumstances should she allow him into her home for this. At a minimum, IMO, it should be at some kind of neutral and public place....this situation could get worse.
Agree!
by drawpoker
Mon Nov 07, 2016 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: The problem with Medicare Plan N
Replies: 10
Views: 1786

Re: The problem with Medicare Plan N

thanks drawpoker, this insurance would be for my 77 y/o mother (in NJ). She's had plan F HD for the last 8 years and saved a ton of money on premiums. With the high cost of plan G in NJ, I'm thinking to just let her keep her current plan. Just a little more complexity....but an excellent value. At ...
by drawpoker
Mon Nov 07, 2016 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Sister scammed online, several $K - not sure what to advise
Replies: 68
Views: 7150

Re: Sister scammed online, several $K - not sure what to advise

....checked out his business. He claims to be a consultant who advises minority businesses on getting micro loans and the like. Instead of charging by the hour, he's got a set up where they can buy ongoing "bronze level", "silver level", etc. advice packages. .... Well, that sounds like another who...
by drawpoker
Mon Nov 07, 2016 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: The problem with Medicare Plan N
Replies: 10
Views: 1786

Re: The problem with Medicare Plan N

.....would add that the time to make sure you're comfortable with all your doctors regarding their competence is way before you go into the hospital when you are very vulnerable and sort of at their mercy True enough. But, don't forget if you are in a bad accident, become a crime victim, or other s...
by drawpoker
Mon Nov 07, 2016 12:37 pm
Forum: Personal Consumer Issues
Topic: How to run a background check on people
Replies: 34
Views: 5380

Re: How to run a background check on people

RI is probably worse. The General Assembly is filled with criminal defense lawyers and crooks, and they have passed stuff that wipes out records of serious convictions very easily, although I have forgotten the details. Thanks for the heads-up, will make it a point to stay out of R.I. Maryland allo...
by drawpoker
Mon Nov 07, 2016 11:58 am
Forum: Personal Consumer Issues
Topic: How to run a background check on people
Replies: 34
Views: 5380

Re: How to run a background check on people

.... only headache is hoping that candidate #2 hasn't taken another job offer in the meanwhile. Only headache? Isn't time also money? And wasted in culling resume', checking work references, interviewing, maybe administering competency testings, staff consults, and all the other things that go into...
by drawpoker
Mon Nov 07, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: How to run a background check on people
Replies: 34
Views: 5380

Re: How to run a background check on people

Good thing your small technology company isn't based in New York City, isn't it.
by drawpoker
Mon Nov 07, 2016 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Sister scammed online, several $K - not sure what to advise
Replies: 68
Views: 7150

Re: Sister scammed online, several $K - not sure what to advise

Perhaps. But, before the padlock comes out, can I say I hope the brother (OP) does provide an update here later on whether his sister does decide to go to the authorities on this. Clearly, the consensus here is that she should - despite it admittedly being rather painful and embarrassing to do so. A...
by drawpoker
Mon Nov 07, 2016 10:51 am
Forum: Personal Consumer Issues
Topic: How to run a background check on people
Replies: 34
Views: 5380

Re: How to run a background check on people

Note that some state and local laws Unbelievable. Or bat !#&!*@ crazy. What loon in NYC thought this up? How are any businesses in the Big Apple going to be able to stay in business with all the time and money that is going to be wasted trying to hire someone, then finding out later they are going ...
by drawpoker
Mon Nov 07, 2016 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Car Registration in 2 states? - VA & DE
Replies: 29
Views: 5337

Re: Car Registration in 2 states? - VA & DE

......Fast forward a year and they received a nasty surprise out of left field...they got hit with back registration fees and a hefty fine in excess of $1,000 for not having registered their vehicles in-state. :oops: Only thing they could think of was that some state entity drives through neighborh...
by drawpoker
Mon Nov 07, 2016 9:47 am
Forum: Personal Finance (Not Investing)
Topic: The problem with Medicare Plan N
Replies: 10
Views: 1786

Re: The problem with Medicare Plan N

You are looking at this correctly. My experience (east coast, mid-Atlantic) is that most PCPs accept assignment, but the top surgeons and other specialists (oncology especially) do excess billing.
also, one correction - New York state does allow excess billing but caps it at 5%.
by drawpoker
Sun Nov 06, 2016 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Sister scammed online, several $K - not sure what to advise
Replies: 68
Views: 7150

Re: Sister scammed online, several $K - not sure what to advise

.....8k payouts aren't very good. You have to find the people that will donate 100k+ to your asset base if you want to have large assets...... True. But, consider, if this guy has been plying his trade over multiple victims - do the math 1 victim = $8K 5 victims $40K 8 victims $64K And so on. Just ...
by drawpoker
Sun Nov 06, 2016 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Sister scammed online, several $K - not sure what to advise
Replies: 68
Views: 7150

Re: Sister scammed online, several $K - not sure what to advise

....Why should he be looking for a job? He supposedly ran his own business. We know nothing about his "business" except that his livelihood probably comes from scamming others. Exactly ! More the more reason to get the authorities involved. He could have, er, quite large "assets" to be attached in ...
by drawpoker
Sun Nov 06, 2016 10:20 pm
Forum: Forum Issues and Administration
Topic: Clock change on this site
Replies: 9
Views: 1374

Re: Clock change on this site

gkaplan wrote:It seems that in the past I have had to update my profile for time changes, but the time changed automatically today.
Well, you must be special. A real V.I.P.

Me? Chopped liver, I guess. :P

That's okay. :wink:
by drawpoker
Sun Nov 06, 2016 10:14 pm
Forum: Forum Issues and Administration
Topic: Clock change on this site
Replies: 9
Views: 1374

Re: Clock change on this site

Okay, my bad. Sorry for wasting precious bandwidth here.

After going to the user panel, menu choices, I see said the Blind Man. Made the change.

Now, everything shows my local time Right as Rain :wink:

Thanks to all.
by drawpoker
Sun Nov 06, 2016 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Sister scammed online, several $K - not sure what to advise
Replies: 68
Views: 7150

Re: Sister scammed online, several $K - not sure what to advise

The big question is there any chance of finding the guy? You might have a fake name, drivers license, no idea where he lives,... and so on which means you are pretty much screwed. True, if the victim attempts to finding this guy on her own. She doesn't have the resources available to her that the p...
by drawpoker
Sun Nov 06, 2016 8:47 pm
Forum: Forum Issues and Administration
Topic: Clock change on this site
Replies: 9
Views: 1374

Clock change on this site

I see where this site is still displaying the daylight savings time, not the change back to standard.
Are we supposed to go into our profile settings and make the change ourselves :?: :? :? :? :? :?
by drawpoker
Sun Nov 06, 2016 8:34 pm
Forum: Personal Consumer Issues
Topic: How to run a background check on people
Replies: 34
Views: 5380

Re: How to run a background check on people

...some basic background checking on people before I hire them, You don't say what type of business you are in - but surely whatever it is- you belong to some sort of professional association, don't you? Doesn't that org offer members a heads-up (and a nice discounted rate) on which companies to us...
by drawpoker
Sun Nov 06, 2016 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Sister scammed online, several $K - not sure what to advise
Replies: 68
Views: 7150

Re: Sister scammed online, several $K - not sure what to advise

Well, you'd be surprised to find out what people do to stay out of a court room. I wasn't telling her to spend money on a lawyer. I've sued people, won the case and collected. Well, clearly the people on the losing end of the case you are referring to did not opt to stay out of a courtroom, did the...
by drawpoker
Sun Nov 06, 2016 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Sister scammed online, several $K - not sure what to advise
Replies: 68
Views: 7150

Re: Sister scammed online, several $K - not sure what to advise

...He lives about 2 hours from her, has a small business (or so he says), but indicated he is waiting for a settlement from a multimillion dollar wrongful death lawsuit against the university his son attended. His son died while attending the university. She saw the case online, read the details, i...
by drawpoker
Sat Nov 05, 2016 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Car Registration in 2 states? - VA & DE
Replies: 29
Views: 5337

Re: Car Registration in 2 states? - VA & DE

When I moved here with my car from North Carolina, they caught the fact that back then NC had a 3% sales tax on new motor vehicles, but it was capped at $15,000. Did Maryland respect this? Of course not, since the car cost way more than $15,000, they sharpened their pencils and calculated the 3% I ...
by drawpoker
Fri Nov 04, 2016 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Car Registration in 2 states? - VA & DE
Replies: 29
Views: 5337

Re: Car Registration in 2 states? - VA & DE

.. then by this logic, someone moving from a state with sales tax (MD @ 6%) to a state with no sales tax (DE @ 0%) would be owed a credit?... Just asking...seems crooked to me........ I can't disagree with that! Crooked, greedy, overbearing, no respect for other states' sovereignty - yep, that's ab...
by drawpoker
Fri Nov 04, 2016 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Car Registration in 2 states? - VA & DE
Replies: 29
Views: 5337

Re: Car Registration in 2 states? - VA & DE

.... I can assure you that DE does have safety & emissions inspections. You can purchase tags good for 5 years for a new car. After that, you will need to have the car inspected at least every 2 years. Sorry for the confusion - took the poster to mean he was asking about annual safety inspections, ...
by drawpoker
Thu Nov 03, 2016 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Car Registration in 2 states? - VA & DE
Replies: 29
Views: 5337

Re: Car Registration in 2 states? - VA & DE

- OP is talking about re-titling an existing car, not purchasing a new one, so sales tax issue is moot. If it were me i would title all my cars in DE to avoid VAs personal property tax and safety/emissions inspection requirements if you say DE doesn't require these things. And possibly also look at...
by drawpoker
Thu Nov 03, 2016 6:09 pm
Forum: Personal Consumer Issues
Topic: Hunter Fan issues - Advice please
Replies: 15
Views: 2225

Re: Hunter Fan issues - Advice please

(1) ..I've done several of these before, if it takes more than 30-60 mins you're doing it wrong....! ...have a neighbor or family friend that could help..... (2) especially if they threw in a beer for helping :beer Hmmmm. Methinks suggestion (2) should come only after completion of the installation...
by drawpoker
Thu Nov 03, 2016 5:59 pm
Forum: Personal Consumer Issues
Topic: More Honda Accord airbag trouble
Replies: 8
Views: 1736

Re: More Honda Accord airbag trouble

thanks, mudpuppy, for providing the links. At the first one I found this latest recall re: the airbags. Although the description said the issue was the bag potentially failing to deploy when it should due to some corrosion of some parts. I do clearly recall the guy at the dealership saying the cause...