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Re: Are hospitals allowed to do this? [Costs quoted vs. actu

Yes you got a deal. But now the rest of us are paying for your deal. You realize that don't you? The costs that were incurred are still there - it is just that you as the specific consumer aren't paying them. Everyone else is paying for them. As to unexpected things happen in surgery. I went in for ...
by derosa
Fri Aug 29, 2014 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Are hospitals allowed to do this? [Costs quoted vs. actual]
Replies: 98
Views: 6630

Re: Do you mix inheritance and earned money?

Federal and state revenue departments consider it your money. You don't get any special treatment because you do anything special with it.

If you get a gift card for an occasion - how do you handle that? You don't put it in a drawer and not spend it do you?
by derosa
Fri Aug 29, 2014 6:29 pm
 
Forum: Personal Consumer Issues
Topic: Do you mix inheritance and earned money?
Replies: 25
Views: 2133

Re: Husband rear-ended, driver ignoring his insurance

Call your insurance agent. And if you have to call and talk to them 5 times do it. You have nothing to do with the other driver or his insurance. I am wondering if you have even called your own agent at this point? Have you?
by derosa
Tue Aug 26, 2014 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 4858

Re: Moving to Eastern PA - need advice

1 hour to the airport! For a morning flight. Best wishes my friend.

You are not moving to eastern PA. You are moving to suburban Philly aren't you?

From your post and google search based comments I would bet that you have never been there?
by derosa
Tue Aug 26, 2014 6:05 pm
 
Forum: Personal Consumer Issues
Topic: Moving to Eastern PA - need advice
Replies: 29
Views: 1897

Re: New home worth the extra $$?

So you have been looking at houses for about 3 days? You sound like you just saw a new car on a car dealers lot.

You haven't even touched the market my friend. You need to look for a few months - maybe every weekend.
by derosa
Tue Aug 26, 2014 5:14 pm
 
Forum: Personal Consumer Issues
Topic: New home worth the extra $$?
Replies: 17
Views: 1743

Re: How I beat Indexing... in 1 hour

So what is it for the next hour?
by derosa
Tue Aug 26, 2014 5:10 pm
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 54
Views: 7142

Re: 87 Year Old Grandmother Has $600,000 In the Bank

Just went back and rescanned the posts and I am still not sure I have seen anything about what grandma wants? Did I miss that? What I do see are the heirs (daughter / uncle / granddaughter / fiance / is there anyone else not mentioned???) trying to figure out what theymight do with the money now tha...
by derosa
Sun Aug 24, 2014 9:39 am
 
Forum: Investing - Help with Personal Investments
Topic: 87 Year Old Grandmother Has $600,000 In the Bank
Replies: 42
Views: 5477

Re: Backyard Shed

What sort of building code / zoning / hoa considerations do you have? Most sheds in the backyard look like crap after a few years. And when you look inside all there is is crap. So if you are thinking of selling in the future consider what that might do to your curb appeal, etc. Not everyone wants w...
by derosa
Sun Aug 24, 2014 9:25 am
 
Forum: Personal Consumer Issues
Topic: Backyard Shed
Replies: 21
Views: 1443

Re: Stopping Junk mail from USPS

Some of these proposed solutions might partially work but they are complicated, time consuming and costly. But are not perfect. You are going to get junk mail the rest of your life -No matter what you do. With these schemes to contact people, etc all you have done is create a job for yourself that w...
by derosa
Sat Aug 23, 2014 11:00 pm
 
Forum: Personal Consumer Issues
Topic: Stopping Junk mail from USPS
Replies: 26
Views: 1882

Re: Help please with revised plan for living in retirement

I would suggest you take the time to put your proposal through some testing to see what happens, and how much money you might have. 1. Actual Historical Records. Firecalc is a tool that only uses the actual financial historical record. So it does not predict the future. It shows you how your portfol...
by derosa
Sat Aug 23, 2014 10:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help please with revised plan for living in retirement
Replies: 15
Views: 2776

Re: Downsizing emergency fund

Hey - everything you have is in the emergency fund if you need it. The "emergency fund" is a device to get people who have never saved a penny to start saving. Once you have some money you don't need the gimmick. All your resources are available for something no matter what it is. Are you ...
by derosa
Fri Aug 22, 2014 5:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Downsizing emergency fund
Replies: 12
Views: 1326

Re: What to consider while purchasing an existing business?

The cost of entry in the nail business is dirt cheap. Someone can open up next door or across the street with a couple chairs and some nail polish. What does that take - $1,000? Sounds like someone doesnt like their job and this is seen as a way out. Oh yeah - if it seem too good to be true - guess ...
by derosa
Fri Aug 22, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to consider while purchasing an existing business?
Replies: 48
Views: 3553

Re: someone who claimed at 62 got an 8% increase this year

Too bad for all this speculation that there is no way to know how things turn out is there? Got an 8% increase this year? Ok --- show me the money. Oh you don't have the money do you. You will be getting it when? Oh I see - its in the mail. People on this topic all talk about the sure thing the guar...
by derosa
Fri Aug 22, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: someone who claimed at 62 got an 8% increase this year
Replies: 26
Views: 3091

Re: Spouse not ready to cut ties with financial advisers

No point in meeting with anyone unless you and spouse are on same page. Advisors meet with couples all the time who are not thinking exactly alike. . "hey we understand you aren't entirely happy with the portfolio at this time. Let's take a look at how we are doing." And then you are looki...
by derosa
Sun Aug 17, 2014 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 112
Views: 8733

Re: Going from W-2 to 1099

1099 means you are your own business. The business will give you a 1099 form saying they gave you a specific amount of money. After that it is up to you to report, pay, etc. You might get 8 1099s in a year if you work for several businesses. They don't coordinate anything. Do you need a license - yo...
by derosa
Thu Aug 14, 2014 9:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Going from W-2 to 1099
Replies: 27
Views: 1794

Re: Fear of Disclosing Net Worth

If you don't want the review don't do it. But to get the review and not tell them the complete picture is like going for a physical and not telling the doc about the pain in your foot. What do you get by that except bad information? And who's fault is that? Not the doc or the financial institution. ...
by derosa
Wed Aug 13, 2014 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fear of Disclosing Net Worth
Replies: 60
Views: 8128

Re: Are hospitals allowed to do this?

A soft quote is worth the paper it was written on. All they were telling you is that you charges probably won't be in the $10k range. You asked the hospital. They told you what their part of the procedure would be. In all fairness to the hospital outpatient staff they have no idea what the doc or la...
by derosa
Wed Aug 13, 2014 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Are hospitals allowed to do this? [Costs quoted vs. actual]
Replies: 98
Views: 6630

Re: Changed Roth to Vanguard: 1 month later 2 cent check

Why are you asking your question here? No one here cut you a check. Call the organization.
by derosa
Wed Aug 13, 2014 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changed Roth to Vanguard: 1 month later 2 cent check
Replies: 13
Views: 1237

Re: Geneological research for unclaimed property

A death certificate from the 1800s? Man that is a good one.

Most places didn't even start recording deaths or births until sometime in the early 20th century.

For quick a dirty check try find a grave.
by derosa
Thu Jul 24, 2014 2:45 pm
 
Forum: Personal Consumer Issues
Topic: Geneological research for unclaimed property
Replies: 87
Views: 4429

Re: Anyone used Vanguard electronic money transfer

why not just write a check to yourself, endorse it and deposit it in your bank. The money is in your account the next day. I did this yesterday. Deposited a check written on our mm account around 4pm. I had email from bank in my inbox this am when I logged in statng that it was deposited and my new ...
by derosa
Thu Jul 24, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone used Vanguard electronic money transfer
Replies: 20
Views: 1571

Re: Have you quit your job because of your boss?

Sure. And it won't fix itself.
by derosa
Sun Jul 13, 2014 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you quit your job because of your boss?
Replies: 66
Views: 7405

Re: Rebalancing Band for an asset class based on volatility

If it is that volatile then it will come around again. Just be patient and next year it will be down relatively so you won't be rebalancing? And if you wait even longer it might be at the point you need to add to it. My point is in the long run what goes up then comes down. Just wait it out. I think...
by derosa
Sun Jul 13, 2014 6:26 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalancing Band for an asset class based on volatility
Replies: 12
Views: 1212

Re: Assisted Living Residence and Care Agreement - Questions

Please see an attorney for any and all legal questions. No one on this forum can provide you anything but hearsay. And you should act based on nothing that anyone says here except to see an attorney. You and I know it is a boilerplate contract and that 1000s of them have been completed over the year...
by derosa
Sat Jul 12, 2014 9:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Residence and Care Agreement - Questions
Replies: 30
Views: 3004

Re: Asset Allocation At or Near Retirement?

Keep in mind there is no magic answer my friend. Be cautious on spending. Go to bogleheads wiki. Look for financial calculators. There are 40 or so free and for sale ones. Pick 2 or 3 or 4 and use them each year over the next 1 - 35 years or so to see where you are possibly going. Personally i use t...
by derosa
Wed Jul 09, 2014 6:15 pm
 
Forum: Investing - Theory, News & General
Topic: Asset Allocation At or Near Retirement?
Replies: 51
Views: 4832

Re: Can no longer purchase Admiral Shares at Schwab

I find it interesting that in this whole thread about 2 companies and their respective policies no one has talked with either company.
by derosa
Sun Jul 06, 2014 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can no longer purchase Admiral Shares at Schwab
Replies: 27
Views: 2328

Re: If you wouldn't buy (stocks), then you must sell

Uh - I don't have to buy or sell stocks. I am along for the ride.
by derosa
Wed Jul 02, 2014 6:42 pm
 
Forum: Investing - Theory, News & General
Topic: If you wouldn't buy (stocks), then you must sell
Replies: 32
Views: 3088

Re: Retirement Goal Calculation

Go to bogleheads wiki. Look for financial calculators. There are 40 or so free and for sale ones. Pick 2 or 3 or 4 and use them each year over the next 10 years or so to see where you are going. Personally i use the ones from vanguard including their financial plan which is a historical based tool, ...
by derosa
Sat Jun 28, 2014 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Goal Calculation
Replies: 31
Views: 5167

Re: Bad paint job - Course of action help pls

don't pay him the balance until the work is done to the satisfaction of you and your "designer." That being said - shame on you for having no contract, no estimate, nothing in writing. So now it is you said, she said, he said. It sounds like you have a very poor designer who doesn't have a...
by derosa
Sat Jun 28, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: Bad paint job - Course of action help pls
Replies: 28
Views: 2615

Re: Silly mistake [Purchased wrong fund by accident]

Just do an exchange and forget about it. Any loss or gain is going to be a rounding error at tax time.
by derosa
Sun Jun 22, 2014 3:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Silly mistake [Purchased wrong fund by accident]
Replies: 12
Views: 1000

Re: Wind blew off shingles, now roof is leaking!

Let me get this right. They came out. looked and cut you a check. Let me understand this - you made a claim and they paid you in full. Now you want to make another claim on the same leak? You have had the money and have not done anything for 4 or more months? You have got to be kidding us. You just ...
by derosa
Sun Jun 22, 2014 3:34 pm
 
Forum: Personal Consumer Issues
Topic: Wind blew off shingles, now roof is leaking!
Replies: 27
Views: 1474

Re: Convince me to visit Italy

Don't go - its crowded and noisy and they speak Italien.
by derosa
Sun Jun 15, 2014 1:10 pm
 
Forum: Personal Consumer Issues
Topic: Convince me to visit Italy
Replies: 77
Views: 5500

Re: HOA questions

Run for the board - you will have no opposition. And you get to quickly learn who the deadbeats are in the neighborhood because you will be getting liens against them because of their nonpayment. You read the CCRs and learned about the HOA BEFORE you bought in to the neighborhood right? And you boug...
by derosa
Sat Jun 07, 2014 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: HOA questions
Replies: 43
Views: 3343

Re: House selling question (buyers more interested in the lo

If you sell a house and gets what you want from the sale - what do you care what the buyer does with it?

If someone is going to tear it down and build a McMansion on it - why don't you do that? Otherwise known as flipping.
by derosa
Mon Jun 02, 2014 4:11 pm
 
Forum: Personal Consumer Issues
Topic: House selling question (buyers more interested in the lot)
Replies: 37
Views: 2723

Re: City Driver Hit My New Car. Diminished Value Advice?

Seems like you were made whole again. You got what you thought was the proper amount for repairs and rental car.

Based on this experience the next time a city car hits you - ask for 'diminished value."

You may also want an attorney if the other side has one.
by derosa
Mon Jun 02, 2014 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: City Driver Hit My New Car. Diminished Value Advice?
Replies: 33
Views: 3152

Re: Talk me out of buying a Porsche Convertible. DISASTER!!!

let me understand this my friend. You live in Chicago. You bought a used car in Los Gatos. And you are driving it to LA and then to Chicago? You claim that you tip toed up to the red line but didn't touch it? Yeah right, my friend. "Now let me say what this baby will do!" I think you are n...
by derosa
Sat May 24, 2014 7:18 pm
 
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Porsche Convertible. DISASTER!!!
Replies: 45
Views: 6561

Re: Hotels and parking in NYC

For ONE night? Pay the price and enjoy yourself. Time is money. You will drive in and be there mid morning first day. Park at the hotel. YOu will have to check bags that early in the day. 2nd day you will be leaving mid/late afternoon. If you are going to be seeing people in manhattan and then in as...
by derosa
Sat May 24, 2014 7:08 pm
 
Forum: Personal Consumer Issues
Topic: Hotels and parking in NYC
Replies: 19
Views: 1117

Re: Managed Account Fees

I would suggest that you get 3 written quotes.

YOu shouldn't have any problems finding people from 3 different firms to meet with you. Ask the point blank what are the break points.

Best wishes-
by derosa
Wed May 21, 2014 6:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Managed Account Fees
Replies: 9
Views: 612

Re: Is now a bad time to invest?

Compared to what time?
by derosa
Wed May 21, 2014 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is now a bad time to invest?
Replies: 100
Views: 9476

Re: Losing money during the rebalancing day?

700 point loss on what day? In what market or index? You don't have to make stuff up to ask a question you know. When you do this wacky stuff people really don't think you know what is going on. In mutual funds it all happens after the market closes each day. There is NO intraday pricing. Everything...
by derosa
Wed May 21, 2014 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Losing money during the rebalancing day?
Replies: 13
Views: 1191

Re: Reallocation Worth the Tax Bite?

Do any rebalancing in your tax deferred. IF you end up with all bonds in deferred there is nothing wrong with that since all withdrawals are taxed as simple income - no matter the actual source. This will rebalance quickly. Taxable have all dividends and cap gains sent to a money market account. Thi...
by derosa
Mon May 19, 2014 6:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reallocation Worth the Tax Bite?
Replies: 11
Views: 862

Re: Do I plan for NO Social Security

If you have plans for no ss then you are also planning for the giant astroid hits the planet in nn years?

Planning for no ss is like planning for the sun not to come up next year. What a waste of time.
by derosa
Sat May 17, 2014 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: Do I plan for NO Social Security
Replies: 42
Views: 2883

Re: Help with Patio! -- Pavers v. Concrete

Skipping the foundation prep work on pavers (and concrete) is nuts. Why don't you just put the pavers on the grass that you have now? "Hey we did this patio in 2 hours!" Tell the concrete guy to skip the base prep work too? This is in the category of penny wise and pound foolish. You clear...
by derosa
Mon May 12, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: Help with Patio! -- Pavers v. Concrete
Replies: 25
Views: 2426

Re: Lawyer recommends trust

Isn't it interesting how people's responses tell us everything about themselves. And at the same what a great job they have done raising their children to be like them?
by derosa
Mon May 12, 2014 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lawyer recommends trust
Replies: 81
Views: 5329

Re: tv surveillance cmeras

Pretty much a waste of time for the money you are going to spend as a homeowner. Those cameras might provide images of something that happened but you have no detail about any of it. There is nothing that would go to a grand jury much less provide something you could give to the local police departm...
by derosa
Tue May 06, 2014 6:40 pm
 
Forum: Personal Consumer Issues
Topic: tv surveillance cmeras
Replies: 3
Views: 301

Re: Must I pay taxes on rental income in this scenario?

I think it would be best to talk with you cpa about this.
by derosa
Tue May 06, 2014 6:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Must I pay taxes on rental income in this scenario?
Replies: 12
Views: 1003

Re: How to gently offer property to tenants? Advice please

Practice something along these lines the next time you talk with them - "Hey we are thinking of selling this house. And since you are living in it and like it would you be interested in it before it goes on the market?" If they are not interested they know to start looking now for a new pl...
by derosa
Mon May 05, 2014 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to gently offer property to tenants? Advice please
Replies: 16
Views: 1401

Re: Expense Ratios

If I am at vanguard i know I am getting a great deal. Not sure what the number specifics are and I surely don't waste my time tracking them.

If I really cared between .09 and .23 I can easily find them out.
by derosa
Mon May 05, 2014 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expense Ratios
Replies: 22
Views: 1525

Re: Please Critque my IPS/AA [Investmnt Policy Stmt/Asset Al

The first one is always long since you want to cover everything. Then after a few years or many years you realize that the only thing that really matters is putting the money aside while covering a variety of different assets. The %s don't change much at all. You change jobs and have different optio...
by derosa
Sat May 03, 2014 10:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please Critque my IPS/AA [Investmnt Policy Stmt/Asset Alloc]
Replies: 7
Views: 693

Re: Can you raise kids in a townhouse?

Sure you can.

Raising the kid(s) has nothing to do with where you live or in what you are living.

It has all to do with the parents.
by derosa
Sat May 03, 2014 9:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you raise kids in a townhouse?
Replies: 35
Views: 3417

Re: My front lawn is horrible

One place to go would be your state's Ag school website. They probably have more than you want to know about turfgrass for your state and for where you live within that state. So for example in NC that would be NC State.
by derosa
Sat May 03, 2014 9:48 pm
 
Forum: Personal Consumer Issues
Topic: My front lawn is horrible
Replies: 29
Views: 3242
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