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Re: Strategically not paying medical bills for 90 days for a

> No one has offered 50% off Maybe if you were uninsured and billed at the "list" price this would be possible. We all know that the list prices are way more than the insurance companies have negotiated. One of the deeply unfair aspects of our health care system is that those without insu...
by an_asker
Tue Nov 25, 2014 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Strategically not paying medical bills for 90 days for a dis
Replies: 30
Views: 2890

Re: Landlord wants us to sign an entirely new contract!

Whenever I rented an apartment (never rented a house), one of my first question was about utilities - which would be covered and which would not be covered. This happened way before I even saw the contract, let alone sign it. And more often than not, these items are specified in the advertisement fo...
by an_asker
Tue Nov 18, 2014 12:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlord wants us to sign an entirely new contract!
Replies: 51
Views: 5859

Re: Father of eight hasn’t saved a penny for college

texasdiver wrote:The real issue with this father (and Victoria is right...where is the mother?)[...]

In labor? ;-)
by an_asker
Fri Nov 14, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Father of eight hasn’t saved a penny for college
Replies: 47
Views: 2726

Re: How often do you change your car's oil?

Although we are 4 pages into it, I still don't have the right answer. Let me ask another question: A car is driven 3,500 miles a year, the trips are of short duration (less than 20 minutes of continuous driving) with occasional long distance highway driving, the motor is filled with synthetic oil t...
by an_asker
Mon Nov 10, 2014 11:21 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 11436

Re: How often do you change your car's oil?

How about continually? I just add some oil every couple of years when I see enough has leaked out. How many miles on your antique? ;-) It had 95,000 when I last looked in May or June. Are you serious about the oil 'leak'ing out in a 95,000 mile car or was that just a term you used to imply 'used up...
by an_asker
Mon Nov 10, 2014 9:54 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 11436

Re: How often do you change your car's oil?

I am a little surprised in the Bogleheads forum that people would be wasting so much money by changing oil twice or more often than recommended by the manufacturer. Would you throw out a gallon container of fresh milk when it is 50% consumed? I don't know about you but it takes a week or two for my...
by an_asker
Mon Nov 10, 2014 9:53 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 11436

Re: How often do you change your car's oil?

I am honestly surprised at how little factual information there is in this thread and how much reliance on gut feelings, recommendations, how my great grandpa did it and that won't happen to me syndrome there is. All cured and facts produced by sending out a small sample of used oil for analysis fo...
by an_asker
Mon Nov 10, 2014 9:50 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 11436

Re: The Sky is Falling

Dow at 17500, 75% up in 5 years. It's actually more like up 150% in 5 years. (DOW was around 7000 at the bottom) However, one could also say it's only up 25% in the last 7 years. (DOW hit 13900 in 2007) Both of those statements are true. So which one do you act on? I will then go with the NASDAQ - ...
by an_asker
Fri Nov 07, 2014 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: The Sky is Falling
Replies: 36
Views: 5645

Re: Heat pump question

Even if the air were to shoot out at 100 degrees or more, by the time it gets to you (from the vent up top) it is probably much cooler as well. With our system it doesn't shoot out unless it is trying to really recover from a lower temperature. I have only heard it go at full blast a couple of time...
by an_asker
Fri Oct 31, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 50
Views: 3305

Re: Heat pump question

.... are in climate zone 3, according to this map.... does not normally stay below freezing during the winter for more than a week at a time....no natural gas lines in my part of the county..... lived in Clarksville, we had natural gas heat and when her heat comes on, you could tell. :) Sounds a lo...
by an_asker
Fri Oct 31, 2014 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 50
Views: 3305

Re: Does HSA make sense for me?

Yes I am a single individual. My Co-pay for office visits are 20 dollars for regular stuff and 35 dollars for specialist Emergency Room is $150. I have been with the HMO for a while and luckily I havn't had to use it besides the normal office visits. I just keep hearing good things about the HSA an...
by an_asker
Fri Oct 31, 2014 10:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Does HSA make sense for me?
Replies: 13
Views: 1227

Re: Does HSA make sense for me?

Hi everyone, My company just started to offer HSA eligible health plan. I have an option between the HSA and an HMO plan. I tried to get a better understanding of the HSA but I am kind of lost if it makes sense for me to move to an HSA plan vs my HMO. Could you guys help me make sense of this. Than...
by an_asker
Fri Oct 31, 2014 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Does HSA make sense for me?
Replies: 13
Views: 1227

Re: A Little Common Core Math problem

1) A cat's weight multiplied by itself is 20 less than a dog's weight multiplied by itself. Together, they weigh 52 pounds. How much do the cat and the dog weigh? So, C*C + 20 = (52 - C) * (52 - C) One variable or two? 2) A cat, a dog and an elephant weigh 1200 pounds. The dog weighs 50 pounds more ...
by an_asker
Thu Oct 30, 2014 3:25 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2708

Re: A Little Common Core Math problem

This problem doesn't seem confusing, and I'm not sure why everyone is upset about the concept of Everyday Math (which has been taught LONG before Common Core). x + 8x = 63 9x = 63 x = 7 The cat weighs 7 lbs and the dog weighs 56 lbs. This does not require a calculator nor a pen and paper. Why are s...
by an_asker
Thu Oct 30, 2014 3:12 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2708

Re: Schwab expands no commission ETFs-no early sell fee

Again, I'm not saying these programs are bad. I'm just trying to explain why Schwab trades some non-Schwab ETFs commission free. Commission free does not mean Schwab makes no revenue; they just get it a different way - directly from the ETF companies and on trading spreads by controlling execution....
by an_asker
Thu Oct 30, 2014 2:31 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab expands no commission ETFs-no early sell fee
Replies: 42
Views: 3216

Re: Schwab expands no commission ETFs-no early sell fee

Rick appears to be saying that all ETFs that Schwab sells (for no commission) pay a fee to Schwab. Doubtless, they also pay a similar fee to any other brokerage who sells those ETFs. There are two parts to this. ETF firms pay marketing fees to brokerage firms that do not charge commissions to trade...
by an_asker
Thu Oct 30, 2014 9:40 am
 
Forum: Investing - Theory, News & General
Topic: Schwab expands no commission ETFs-no early sell fee
Replies: 42
Views: 3216

Re: New appliances - Stainless Steel or not?

I can't give a general answer, we don't have any stainless steel appliances, but I will say that our experience is that some of our stainless steel things have been a whole lot more "stainless" than others. There is a wide variety of alloys called "stainless steel." You might tr...
by an_asker
Tue Oct 28, 2014 1:21 pm
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 56
Views: 3399

Re: Feeling rich to feeling poor overnight

HomerJ wrote:[...]Heh, the box my TV came in is bigger than room she used to have. :) (okay not really)

Hmm ... I think I've seen TVs as big as yours. No, I don't think I would buy one without seriously denting my budget. And it might not fit in my house anyway (ok, not really) ;-)
by an_asker
Mon Oct 27, 2014 2:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 10882

Re: Feeling rich to feeling poor overnight

The Bay Area is to the rest of the US what the US is to Subsaharan Africa in many ways.[...] +1000! I have friends in the Bay Area whose Facebook posts sometimes make absolutely no sense to me - it is as if they don't have a clue as to how the rest of the USA is faring currently. That is very troub...
by an_asker
Mon Oct 27, 2014 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 10882

Re: Another PPO vs HDHP thread - enrollment closing...

[...] PPO: medical expenses excluding prescription drugs: $1000 deductible, then 20% copay on all expenses, out of pocket max is $6000. prescriptions: no deductible, 20% copay on all prescriptions, separate out of pocket max is $6000. premium: $140 every 2 weeks HDHP: medical expenses: $4000 deduct...
by an_asker
Mon Oct 27, 2014 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Another PPO vs HDHP thread - enrollment closing...
Replies: 13
Views: 1396

Re: How often do you change your car's oil?

I am a little surprised in the Bogleheads forum that people would be wasting so much money by changing oil twice or more often than recommended by the manufacturer. Would you throw out a gallon container of fresh milk when it is 50% consumed? I don't know about you but it takes a week or two for my...
by an_asker
Mon Oct 27, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 11436

Re: How often do you change your car's oil?

VictoriaF wrote:
DaftInvestor wrote:This has been an interesting read....I can't wait for the "How often do you rotate your tires" thread.....


I nominate "How often do you wash your coffee mug?" for the next thread.

Victoria

How about never, since I don't* drink coffee? ;-)

* - on a regular basis
by an_asker
Mon Oct 27, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 11436

Re: How often do you change your car's oil?

DaftInvestor wrote:This has been an interesting read....I can't wait for the "How often do you rotate your tires" thread.....

How many Bogleheads does it take to rotate a car tire?
None - the tires rotate by themselves when Bogleheads drive ;-)
by an_asker
Mon Oct 27, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 11436

Re: How often do you change your car's oil?

livesoft wrote:How about continually? I just add some oil every couple of years when I see enough has leaked out.

How many miles on your antique? ;-)
by an_asker
Mon Oct 27, 2014 9:36 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 11436

Re: Feeling rich to feeling poor overnight

The Bay Area is to the rest of the US what the US is to Subsaharan Africa in many ways.[...] +1000! I have friends in the Bay Area whose Facebook posts sometimes make absolutely no sense to me - it is as if they don't have a clue as to how the rest of the USA is faring currently. That is very troub...
by an_asker
Mon Oct 27, 2014 8:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 10882

Re: Phone for Europe trip

My spouse simply bought a phone + SIM card + minutes in a kiosk on location for about 30 euros. Wow! That was quick. This is just a booth anywhere at an international airport, or in town? How many minutes did the cards have on it? Did the phone have any use after the trip, i.e., does it work in the...
by an_asker
Thu Oct 23, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: Phone for Europe trip
Replies: 24
Views: 1533

Phone for Europe trip

Need advice on buying an inexpensive phone for a Europe trip. Let me start off by saying that I have never used a cell phone outside of USA and India (and have not used one that works in both of those countries). Now, I have the following choices before me: - Refurbished Samsung Galaxy smartphone - ...
by an_asker
Thu Oct 23, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: Phone for Europe trip
Replies: 24
Views: 1533

Re: IBM: Stock Buybacks Gone Wrong?

TJSI wrote:[...]1) IBM wants to own the cloud. They should look into owning the pipes between the clouds. Buy/build some backbone networks.[...]

Strike quick before Kinder (he of the Enron/Kinder Morgan fame) gets there.
by an_asker
Thu Oct 23, 2014 7:56 am
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 4151

Re: IBM: Stock Buybacks Gone Wrong?

So I should sell my IBM stock? And take my profit? A quick search shows IBM beating the S&P over the last 10 years. Even with its recent fall. "Past performance is no guarantee of future results". OP: Just my attempt at answering a rhetorical question here. What percentage of your por...
by an_asker
Thu Oct 23, 2014 7:54 am
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 4151

Re: IBM: Stock Buybacks Gone Wrong?

So I should sell my IBM stock? And take my profit? A quick search shows IBM beating the S&P over the last 10 years. Even with its recent fall. "Past performance is no guarantee of future results". OP: Just my attempt at answering a rhetorical question here. What percentage of your por...
by an_asker
Wed Oct 22, 2014 3:27 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 4151

Re: Is Roth 401k better even if future tax bracket is lower?

All else being equal, including tax rate today and in the future , if you have the ability to put $17.5k in Roth 401(k) or trad 401(k), the former will likely win. The problem is all else are not equal for most people. I never claimed that all else was equal. For that matter, we could debate until ...
by an_asker
Wed Oct 22, 2014 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Roth 401k better even if future tax bracket is lower?
Replies: 26
Views: 2865

Re: Is Roth 401k better even if future tax bracket is lower?

If you are somebody who maxes out your 401k and IRA contributions, then another advantage of the Roth 401k is that it allows you to effectively put more in tax-advantaged accounts, since $17,500 of after-tax money is worth more than $17,500 of pre-tax money. In theory a disciplined investor who thi...
by an_asker
Wed Oct 22, 2014 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Is Roth 401k better even if future tax bracket is lower?
Replies: 26
Views: 2865

Re: How do you wash your car?

Where is the optionf for 'my kds wash my car'? OP: This is a very intriguing question for me as my car recently got dive bombed. I was able to get stuff off the front windshield, but the hood and the top and the side are still exhibiting the artwork. :oops: Looks like I need to get the kids motivate...
by an_asker
Tue Oct 21, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 7113

Electricity Adaptor for Europe

I am assuming that most electrical items both France and Germany run on 220 V. I need to ensure that I can keep my camera, laptop (if we end up taking it with us), etc charged throughout our journey. Could any of you please point me towards a reasonably priced electricity adaptor for Europe?

Thanks!
by an_asker
Tue Oct 21, 2014 11:22 am
 
Forum: Personal Consumer Issues
Topic: Electricity Adaptor for Europe
Replies: 10
Views: 649

Re: Tell me about Paris

We stayed about 1/2 mile out from the Eiffel Tower. We once had a taxi near the center of Paris refuse to take us back there. I think the prefer shorter hauls. I read this was illegal, but I don't know how to prevent it. PS: The "center of Paris" is actually the center of old Paris where ...
by an_asker
Wed Oct 08, 2014 9:10 am
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 3795

Re: Tell me about Paris

Quick Trip Update (I will post this on the Paris thread as well): We have tickets bought - they are now available via Skyscanner for even less than we paid for them - I saw the reference here on Bogleheads too late :oops: We also have airbnb bookings completed; we have not really followed the precis...
by an_asker
Wed Oct 08, 2014 9:08 am
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 3795

Re: Tell me about Berlin :-)

I don't know how Kreuzberg stacks up against Prinzlauer Berg? Kreuzberg (the western half, I forget if that is postal code 36 or 38) is supposed to be very gentrified, the eastern half (which would have been smack against the Wall) was I had heard, still very Turkish and a bit run down. Prinzlauer ...
by an_asker
Wed Oct 08, 2014 8:58 am
 
Forum: Personal Consumer Issues
Topic: Tell me about Berlin :-)
Replies: 36
Views: 2902

Tell me about Berlin :-)

We will be visiting Berlin for a couple of days as well in the November/December timeframe. Who all has been there (in the recent past, say since 2000) and what have they enjoyed the most? I am definitely planning to visit the touristy places of historic significance such as the remnants of the Berl...
by an_asker
Mon Oct 06, 2014 10:19 am
 
Forum: Personal Consumer Issues
Topic: Tell me about Berlin :-)
Replies: 36
Views: 2902

Re: Tell me about Paris

Thanks once more to everyone who has responded. Keep them coming. I bet I've got more here than we can cover in the couple of days we have. But what the heck! There might be someone coming along tomorrow who wants to spend a week there, and can look up all the locations mentioned in this thread.
by an_asker
Fri Oct 03, 2014 9:22 am
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 3795

Re: Tell me about Paris

siamond: Thanks for your detailed responses! Hi there. I am French, I lived in the Paris suburbs for my entire youth, and lived in Paris itself for 9 years before moving to the US... Yes, this was 17 years ago, but things don't change that much... So here are a few answers. [...]If you're there for ...
by an_asker
Fri Oct 03, 2014 9:17 am
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 3795

Re: Tell me about Paris

We went to Paris in July and stayed in 6th arr. (Rue De Vaugirard/Montparnasse Blvd area). Booked an apartment through AirBnB. Great location, nice apartment. Very safe even at night with family. Communication with the owner was via email and then via phone/text messages when we were traveling in E...
by an_asker
Fri Oct 03, 2014 9:10 am
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 3795

Re: Tell me about Paris

If you arriving late at night with kids, you might want to spend your first night out by the airport and then transfer to somewhere more central the next morning. I wouldn't want to take a public bus with kids and luggage anytime - much less late at night when the buses are sure to run less frequen...
by an_asker
Fri Oct 03, 2014 9:08 am
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 3795

Re: Tell me about Paris

chaz wrote:Don't miss Notre Dame.

I am not planning to :-)
by an_asker
Wed Oct 01, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 3795

Re: Tell me about Paris

Each host might be slightly different, but here is how it worked for us: Initially we were in contact via email, using the messaging service of AirBnB. It actually would send me text messages to my phone as well as email whenever my host posted a new message on AirBnB. We were able to pay with our ...
by an_asker
Wed Oct 01, 2014 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 3795

Re: Tell me about Paris

Just got back from Paris 10 days ago :D We traveled with our 9 month old and rented a very nice apartment in Marais (4 arrondissement) near the Pompidou Center, through AirBnB. It was very close to a metro stop, plus we could walk to the areas near the Lourve, Notre Dame, etc in about 5-15 min. Rea...
by an_asker
Wed Oct 01, 2014 12:51 pm
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 3795

Re: Tell me about Paris

You are looking at places that are kind of out there and it gets a little rough. Clignancourt has the big flea market which you might want to shop but I don't think you'd want to stay there. How about 14th? Are you saying that these are bad enough to not being staying there? I looked at google maps...
by an_asker
Wed Oct 01, 2014 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 3795

Tell me about Paris

We are considering a trip for a couple of days to Paris* in the November/December timeframe. I've been run off from tripadvisor (OK, not literally but figuratively), so I am here licking my wounds :oops: Here are some questions I have for those who are familiar with the city: - how safe is the city ...
by an_asker
Wed Oct 01, 2014 11:30 am
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 3795

Re: Is my husband a spendthrift? Or I a tightwad?

OP here. Just want to say thank you to everyone for the input and advice. Totally ok to pile on. Hearing it different ways helps it sink in. Anyway it will take me a little while to digest but just want to say I appreciate it greatly. I will respond tonight and probably have follow up questions. (A...
by an_asker
Wed Oct 01, 2014 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 16580

Re: Norwegian Airlines

We flew Norwegian Air twice in 2014. Both times, we did not have any problems. We departed and arrived on time. Be aware that you have to pay for everything once you are on (water and food), so bring snacks if needed. Also, they are somewhat strict about their luggage sizes. Thanks to everyone who ...
by an_asker
Wed Sep 24, 2014 10:50 am
 
Forum: Personal Consumer Issues
Topic: Re: Norwegian Airlines
Replies: 24
Views: 2057

Re: Dave Ramsey: The Legacy Journey

I thought that someone posted that they did not attend Ramsey's course as they were concerned about being pressurized to destroy their credit cards. I was wondering if destroying credit cards was part of the class. Maybe a small group had a type of confessional in which each person admitted their s...
by an_asker
Wed Sep 24, 2014 8:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey: The Legacy Journey
Replies: 41
Views: 5741
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