Search found 766 matches

by an_asker
Fri Jul 31, 2015 12:59 pm
Forum: Personal Consumer Issues
Topic: CVS Minute Clinic vs. Doctor Office billing practices?
Replies: 6
Views: 669

Re: CVS Minute Clinic vs. Doctor Office billing practices?

More importantly, I am wondering why you went to the pediatrician for an issue that the PA at CVS addressed adequately (albeit for a different kid)?

And would you have done so if you had HDHP instead of HMO - difference of $79 vs $160 compared to $21 (or was it $0?) vs $25 ...
by an_asker
Fri Jul 31, 2015 12:52 pm
Forum: Personal Consumer Issues
Topic: Food safety - broken refrigerator
Replies: 18
Views: 876

Re: Food safety - broken refrigerator

Butter, jam - absolutely no problem. We grew up in a household that did not have a fridge until I was a teenager. On the following, I am saying what I would do, but in your case, I would defer to expert opinion. Salad dressings should be OK. Frozen vegetables - should be OK if you can microwave/boil...
by an_asker
Fri Jul 31, 2015 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Appraisal Higher than Accepted Offer Price
Replies: 21
Views: 1954

Re: Appraisal Higher than Accepted Offer Price

livesoft wrote:I cannot tell if you are the seller or the buyer. :)

+1! :oops:
by an_asker
Thu Jul 30, 2015 3:16 pm
Forum: Personal Consumer Issues
Topic: Infrequent patient value to PCP (primary care physician)?
Replies: 4
Views: 531

Re: Infrequent patient value to PCP (primary care physician)?

This capitation fee, I am assuming that it is not applicable for HDHP cases, am I right?
by an_asker
Wed Jul 29, 2015 12:50 pm
Forum: Personal Consumer Issues
Topic: Mandatory vehicle collision avoidance systems are coming
Replies: 43
Views: 2739

Re: Mandatory vehicle collision avoidance systems are coming

The robotic cars are coming! In 10 years I predict: 1. There will be no more taxi drivers, truck drivers, DMV, or traffic lights/regulations. 2. People won't even own cars anymore (no more car loans or dealerships). All cars will be owned and operated by centralized taxi services. If you want to go...
by an_asker
Mon Jul 27, 2015 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: How long until a $10,000 loss matters?
Replies: 39
Views: 3333

Re: How long until a $10,000 loss matters?

How long.... Since July 20th Probably a little longer than 7 days! Come on now. Were you bored and just felt like posting? :wink: I think livesoft overshot a little there, but you have talked about a $1 million portfolio. Ten thousand really concerns you??? Maybe stop watching the portfolio on a da...
by an_asker
Fri Jul 17, 2015 1:29 pm
Forum: Personal Consumer Issues
Topic: Medicare Rx at Costco
Replies: 8
Views: 667

Re: Medicare Rx at Costco

I am a few years away from Medicare, but I do find it strange that OP's wife cannot even pay full cash price (minus coupon of course) for her purchase. The links don't appear to say that that would be illegal (unless I am slipping in my reading comprehension!). The government's logic that, if the pr...
by an_asker
Wed Jul 15, 2015 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 6829

Re: I tipped 15% and got a dirty look

I am from Switzerland, where they got rid of the tipping system and implemented a service charge included in the food/drink price when I was a kid. So from that time on, waiters would get their share no matter how bad the service was. The argument at the time was," why should an attractive you...
by an_asker
Mon Jul 13, 2015 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Totally Stressed. Husband lost job.
Replies: 46
Views: 10549

Re: Totally Stressed. Husband lost job.

when this first happened i was working p/t 15 hours a week - luckily i have a FANTASTIC boss and he gave me as much hours as i wanted, so i was able to put in about 28+ hours a week. Then i also got my name in the school system as a para so the entire school year i was working 2 jobs plus p/t at Ma...
by an_asker
Fri Jul 10, 2015 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Fraudulent charges on two separate credit cards
Replies: 11
Views: 1022

Re: Fraudulent charges on two separate credit cards

Rupert: "Think about places, especially retail/restaurants establishments, on-line stores, where you use both of those cards." I last used one of the two credit cards back in 2009! BTW, I didn't have to let the credit card companies know. They sent me e-mails asking if the charges were val...
by an_asker
Fri Jul 10, 2015 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Fraudulent charges on two separate credit cards
Replies: 11
Views: 1022

Fraudulent charges on two separate credit cards

As it never happened to me before, I have not done much research on this before. Plus, if it was just one credit card, I assume that I would not be worrying about it too much. This could be either through the Target leak or the Anthem leak - is the latter scenario scarier for me, as that might indic...
by an_asker
Mon Jun 08, 2015 11:50 am
Forum: Personal Finance (Not Investing)
Topic: close friend found out how much I have - bad outcome
Replies: 92
Views: 9915

Re: close friend found out how much I have - bad outcome

mptfan wrote:
keystone wrote:My friendship with this individual would have ended right after the awkward rant.

I agree.

+1!

OP, would you mind sharing how it happened that friend came to learn about all this?
by an_asker
Tue Jun 02, 2015 1:58 pm
Forum: Personal Consumer Issues
Topic: Heads up on a great CC promotion (Chase Freedom)
Replies: 51
Views: 6150

Re: Heads up on a great CC promotion (Chase Freedom)

My credit score is worth more than chasing offers. Already got a mortgage on a house. Already have a car loan. Am married. I cannot think of any other reason to ensure that my credit score is near the top, can you? In short, I couldn't care less about my credit score. Too bad I already have the Cha...
by an_asker
Fri May 29, 2015 2:46 pm
Forum: Personal Consumer Issues
Topic: Best way to learn tennis for adult
Replies: 29
Views: 1973

Re: Best way to learn tennis for adult

[...]The problem with the racquet sports is that you need an opponent.[...] Like I said, not for racquetball. The wall is your first (and untiring) opponent. You can work up a sweat in ten minutes of bashing the ball against the walls. OP: Do note that racquetball and tennis don't go hand in hand. ...
by an_asker
Fri May 29, 2015 2:45 pm
Forum: Personal Consumer Issues
Topic: Best way to learn tennis for adult
Replies: 29
Views: 1973

Re: Best way to learn tennis for adult

Thanks for the replies. Tennis was not my first pick. The reason I choose tennis is the proximity to my home. I went to badminton for 2 weeks with friends at work. Predominantly Asian crowd but a very enjoyable game and I seem to like the effort needed for the game vs time. I think raquet ball fall...
by an_asker
Fri May 29, 2015 2:09 pm
Forum: Personal Consumer Issues
Topic: Selected photos of 3-week bicycle ride around the Italian Lakes
Replies: 35
Views: 3213

Re: Selected photos of 3-week bicycle ride around the Italian Lakes

Thanks for posting this. At this time I have not looked at the photos yet, I will. [...]I saw Iitaly as a polluted country where you could smell car exhausts in Milano, Malpensa airport was always full of dense fog that caused many delayed fights. Italy did not compare well to USA. Happy to work an...
by an_asker
Fri May 29, 2015 12:43 pm
Forum: Investing - Theory, News & General
Topic: Stemikger "Volatility is far from synonymous with risk."
Replies: 152
Views: 10540

Re: Stemikger "Volatility is far from synonymous with risk."

Volatility is far from synonymous with risk. Stemikger (and others): I would appreciate your explanation which will be educational for us all. Thank you and best wishes. Taylor Didn't read the entire thread. I'm not Stemikger ... or the Buffett. With those disclaimers out of the way ... To me, vola...
by an_asker
Fri May 29, 2015 11:48 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 197
Views: 17620

Re: Aren't we overdoing electronic auto safety features?

[...]Lane departure IMO is pretty good unless you're never tired when you drive. Then it's just whatever. I am not speaking about others but 99% of the time, I drive my car when I am not tired (read sleepy). That said, need to relate this incident. A few years back, we were in CA - spent the day in...
by an_asker
Thu May 28, 2015 1:28 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 197
Views: 17620

Re: Aren't we overdoing electronic auto safety features?

I've missed something here - how does the smart car determine that Elvis has left the freeway? And if so, how does it figure out the speed limit on the surface streets?
by an_asker
Wed May 27, 2015 2:55 pm
Forum: Personal Consumer Issues
Topic: Tips for extended European Trip
Replies: 23
Views: 1815

Re: Tips for extended European Trip

stan1 wrote:[...]Eastern Europe is still somewhat of a cash economy. [...]

Berlin definitely was, as I found out to my displeasure back in November, and I would suspect most of Germany is as well.
by an_asker
Tue May 26, 2015 11:34 am
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 121
Views: 7531

Re: Once in a life time trip.

Where do you take 2 kids ( 8 year of age) on a vacation that they will never forget? Assuming you have saved 20K for this trip and 2 weeks. Need more information about kids - gender, likes, compatibility (whether one likes what the other hates) etc. Also, depends on adults' tastes as well. Surely, ...
by an_asker
Tue May 26, 2015 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Dispute a credit card payment or not
Replies: 23
Views: 2175

Re: Dispute a credit card payment or not

It sounds like they swindled you out of $100, so there is a very clear cut case for a dispute. (And of course you don't need to return the item. You are asking for $100 to be made whole, not $400.) Unfortunately, it seems you didn't preserve a copy of the offer, so may not be able to prove it. Swin...
by an_asker
Mon May 25, 2015 12:26 am
Forum: Personal Consumer Issues
Topic: Neighbor hired a surveyor. Should I be nervous?
Replies: 81
Views: 11529

Re: Neighbor hired a surveyor. Should I be nervous?

I can see OP's hurt feelings, but I can also see the point of view of those being critical of him. Perhaps you are referring to the first post on the second page of the comments, which is a completely different person to the first post on the first page of the comments ? :oops: Yup. Looks like I wa...
by an_asker
Fri May 22, 2015 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Not able to max out all the retirement accounts
Replies: 69
Views: 4864

Re: Not able to max out all the retirement accounts

Reading share your net worth progression post makes us very nervous about our retirement accounts. We were just too heavy in real estate before we found this site. Rule #0 of Bogleheads: Do not compare your net worth with other Bogleheads. Depression will ensue! :oops: +100 OP, thank you for being ...
by an_asker
Fri May 22, 2015 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Not able to max out all the retirement accounts
Replies: 69
Views: 4864

Re: Not able to max out all the retirement accounts

[...] On top of my head. 2K mortgage piti $200 gas and electric $60 water and trash $800 groceries, formula, and lunches and dine out. $50 vehicles maintenance $200 gasoline $160 car insurance $1200 daycare $40 cell phones $30 internet $50 home warranty $50 medication and supplies $150 other misc. ...
by an_asker
Fri May 22, 2015 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Not able to max out all the retirement accounts
Replies: 69
Views: 4864

Re: Not able to max out all the retirement accounts

yellowgirl wrote:
therivler1 wrote:~100K. HCOL area (DC suburbs). single dad with full custody of two kids.

your expenses are a bit high. post your monthly expense breakdown


More than 60% of our expenses are mortgage 2K and 1.2K for daycare.

I am with therivler1. Please post the breakup of the 5k per month.
by an_asker
Fri May 22, 2015 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Not able to max out all the retirement accounts
Replies: 69
Views: 4864

Re: Not able to max out all the retirement accounts

yellowgirl wrote:Reading share your net worth progression post makes us very nervous about our retirement accounts. We were just too heavy in real estate before we found this site.

Rule #0 of Bogleheads: Do not compare your net worth with other Bogleheads. Depression will ensue! :oops:
by an_asker
Fri May 22, 2015 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed 0.99% auto loan
Replies: 34
Views: 3345

Re: Penfed 0.99% auto loan

I currently have a $1000 certificate with Penfed so I can keep the 5% gas rebate Penfed card. Are you saying that if I took out an auto loan with Penfed that could replace the $1000 certificate to qualify for the card and I can liquidate that? You would have to first buy that car, Truecar or not! ;-)
by an_asker
Fri May 22, 2015 10:55 am
Forum: Personal Consumer Issues
Topic: Neighbor hired a surveyor. Should I be nervous?
Replies: 81
Views: 11529

Re: Neighbor hired a surveyor. Should I be nervous?

I can see OP's hurt feelings, but I can also see the point of view of those being critical of him. Back in my school days, as part of our English text, we had a short story "A spark neglected burns a house" where a small misunderstanding between two neighbors ended up with one of the house...
by an_asker
Thu May 21, 2015 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Don't come to Europe with a new chip and sign credit card
Replies: 62
Views: 10405

Re: Don't come to Europe with a new chip and sign credit car

Naismith wrote:
Will do good wrote:Does anyone know which issuer in the US that offers Chip and PIN?


Barclay Arrival+ Mastercard.

My Barclay Arrival+ Mastercard was DOA in Paris and Berlin last November. I used the swipe and sign Capital One Mastercard instead - looks like this thread has come a full circle now! :oops:
by an_asker
Thu May 21, 2015 2:16 pm
Forum: Personal Consumer Issues
Topic: Help needed - Trip to Geneva and Paris this summer
Replies: 10
Views: 573

Re: Help needed - Trip to Geneva and Paris this summer

We will be landing in Geneva, the morning of 30th June and heading back to the US from Geneva on the morning of 7th July. Here is our preliminary plan. So long as we get to spend three days in Paris, we are totally open to anything that we need to do while based in Geneva for the rest of the time. ...
by an_asker
Thu May 21, 2015 1:46 pm
Forum: Personal Consumer Issues
Topic: Neighbor hired a surveyor. Should I be nervous?
Replies: 81
Views: 11529

Re: Neighbor hired a surveyor. Should I be nervous?

[...]My landscaper and I accepted fault and put it back the way it was. I said he was being unreasonable about the whole thing based on what was common in the neighborhood. Now we are only 1 of two houses out of 40 that don't have connecting beds around the utility boxes. It just plain looks DUMB! ...
by an_asker
Thu May 21, 2015 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Calculation? Help!
Replies: 19
Views: 1287

Re: Mortgage Payoff Calculation? Help!

Just want to say thanks, I never knew about the windows calculator either! I have previously used a generic excel amortization schedule that has a column for extra payments. You can change the loan amount to whatever your current balance is and then work backward to find out how many months are lef...
by an_asker
Thu May 21, 2015 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Calculation? Help!
Replies: 19
Views: 1287

Re: Mortgage Payoff Calculation? Help!

I use the calculator built into windows for this exact problem. Start the calculator, click on View->Worksheets->Mortgage. Select the drop down and click on Term (years). I use the current mortgage balance as the "price", 0 for the "down payment", and put in the interest rate an...
by an_asker
Wed May 20, 2015 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Do most folks pay for trips before going (India)
Replies: 13
Views: 1451

Re: Do most folks pay for trips before going (India)

Wake up time. Many young people in India who are not rich by any means use credit cards to purchase groceries. On your next trip walk in a reliance or Star Bazzar store you will see 50% of customers using Credit cards. as for trips to Europe, some companies pay for your vacation, other pay for your...
by an_asker
Wed May 20, 2015 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Do most folks pay for trips before going (India)
Replies: 13
Views: 1451

Re: Do most folks pay for trips before going (India)

Well, I was poor in India and thought that I will be rich when I will come to US. I came to US and I still felt poor. Then I thought that I will act/feel like rich when I will go to India on short trips (you know, dollar conversion etc.). Guess what, I never felt so poor on couple of India trips. T...
by an_asker
Wed May 20, 2015 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Do most folks pay for trips before going (India)
Replies: 13
Views: 1451

Re: Do most folks pay for trips before going (India)

No Idea but last month I did laundry at a laundromat in Germany with the servant of an Indian family. She joked that they would not know how to run the machines. That does sound about right :-) India has one-percenters as well (ten million of them, no kidding!) Seriously though, that sort of thing ...
by an_asker
Wed May 20, 2015 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Do most folks pay for trips before going (India)
Replies: 13
Views: 1451

Do most folks pay for trips before going (India)

I just read through the latest Dave Ramsey thread and it appears that Americans - at least those who follow Ramsey whether or not they are Bogleheads - are coming around to following the No Debt philosophy. I have been planning for a trip to Europe and spending time on TripAdvisor forums. Based on i...
by an_asker
Wed May 20, 2015 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Living on last months income.
Replies: 33
Views: 3601

Re: Living on last months income.

[...] Not to argue semantics, because I don't think it's really relevant to the conversation, but since I was curious.... I did look at my primary credit card. I just got the bill, which is set to auto-pay on 6/11/15. It shows charges from 4/14/15 through 5/12/15. I do see your point (and maybe thi...
by an_asker
Wed May 20, 2015 10:33 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 197
Views: 17620

Re: Aren't we overdoing electronic auto safety features?

opus360 wrote:[...]I probably have spend over $4000 in tuition fees for driver's training beyond getting my initial driver's license.

Voluntary or involuntary training? ;-)
by an_asker
Wed May 20, 2015 8:39 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 197
Views: 17620

Re: Aren't we overdoing electronic auto safety features?

[...]I don't think you understand how capable many adaptive cruise controls are. For most systems, you can be doing 100 mph and the ACC will bring the car to a complete stop well before a collision.[...] Chris I don't claim to understand driverless cars so have abstained from the discussion; howeve...
by an_asker
Wed May 20, 2015 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Living on last months income.
Replies: 33
Views: 3601

Re: Living on last months income.

I'm the opposite. I live on next month's income by putting most expenses on credit cards. But I have an emergency fund and my income does not fluctuate month to month. That's not, strictly speaking, true! Why? Well, think about it ... Even if you get paid biweekly, (to make things simpler) let's as...
by an_asker
Wed May 20, 2015 8:09 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 197
Views: 17620

Re: Aren't we overdoing electronic auto safety features?

[...]I don't think you understand how capable many adaptive cruise controls are. For most systems, you can be doing 100 mph and the ACC will bring the car to a complete stop well before a collision.[...] Chris I don't claim to understand driverless cars so have abstained from the discussion; howeve...
by an_asker
Tue May 19, 2015 6:19 pm
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 42
Views: 5853

Re: No Foreign Fee Credit Card - Exchange Rate

They said it would take 7 business days and so far, that seems to be right on target. Fortunately, however, Kevin M has just posted an update from Nice, France, where he has been using a Capital One chip-and-sign card without any problems (https://www.bogleheads.org/forum/viewtopic.php?f=11&t=1...
by an_asker
Tue May 19, 2015 2:20 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 197
Views: 17620

Re: Aren't we overdoing electronic auto safety features?

I've been rear-ended three times. Once I got nailed by a couple doing about 50 when I was stopped for a left turn. I don't believe that even if he'd had auto-braking it would have helped much because he never saw me. Do you understand how auto-braking works? The driver doesn't need to see anything ...
by an_asker
Tue May 19, 2015 9:02 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 197
Views: 17620

Re: Aren't we overdoing electronic auto safety features?

BTW, can we get a show of hands of the folks who: 1) Never speed 2) Have never used a cell phone while driving 3) Have never driven while too tired 4) Have never driven after a few beers or glasses of wine, or even some other substance 5) Have no drivers in the house under 25 now or coming along wh...
by an_asker
Tue May 19, 2015 8:58 am
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 42
Views: 5853

Re: No Foreign Fee Credit Card - Exchange Rate

Edited: I called and they are converting my card to chip & pin. Of course, it might still not be a European chip & pin (the pin might be worthless for all I know). I'll find out soon enough.. Please report back. I would be very interested to know whether it works. Unfortunately, it turns ou...
by an_asker
Mon May 18, 2015 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: To refinance or not to refinance
Replies: 13
Views: 1329

Re: To refinance or not to refinance

You don't need to accept the 15 year loan. Tell them you want a 13 year loan or if you can afford the payment go to a 10 year loan. Lot of times they they don't tell you that you can create a loan for any duration. I learned something new! I didn't realize you could create yourself a loan for any d...
by an_asker
Mon May 18, 2015 12:55 pm
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 42
Views: 5853

Re: No Foreign Fee Credit Card - Exchange Rate

[...]jlawrence01: Just curious whether you used the Capital One chip and pin card, i.e., the pin aspect of it. The reason I am asking is that I received mine within the last couple of weeks and the rep I spoke to was categorical that it was a chip and sign card. In other word, my experience mirrors...
by an_asker
Mon May 18, 2015 12:39 pm
Forum: Investing - Theory, News & General
Topic: Let's hear your Dave Ramsey success stories
Replies: 79
Views: 12877

Re: Let's hear your Dave Ramsey success stories

"My wife and I just paid off our 30 year home mortgage in 19 months :shock: (120k) baby step 6 of 7. All while maxing out all retirement accts, Roth ira's and a 401k both years and have been fortunate enough to be able to tithe the entire time" your income may have to do with that with di...

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