Bogleheads.org

While I agree with most of the cautions against doing this, nonetheless, I have seen situations where this works out very well. From just my limited knowledge of several successful situations, the parties involved come from traditions and/or cultures where this is a core part of their value system. ...

No easement for water? I agree with the other poster, I'm pretty sure that is a legal right. I don't think there are "legal rights" involved here at all. If you have property (as the majority of the territory in the US is) that does not have connections to public water systems, there is n...

Bigger family is creating a need for a larger family vehicle. I am not to proud to get a minivan (probably the most economical choice) but the wife really wants a mid-size suv How do you know you are getting a reasonable price - both for the trade and the one you are buying !?!?!?!?!?!? Edmunds KBB...

I know quite a few folks who are over 65 but still working at companies that provide comprehensive health coverage. In every case I'm aware of, the over 65 crowd is required to carry Medicare Parts A and B, then the company provides a Medigap policy and drug plan to cover the balance. As the prior ...

As much as many of us have "frustrating" experiences with health insurance companies, there are times when the insurance companies can clear up billing issues that come from what service or procedure or provider is involved (billing) in the care of a patient. I would think that the reason ...

I know quite a few folks who are over 65 but still working at companies that provide comprehensive health coverage. In every case I'm aware of, the over 65 crowd is required to carry Medicare Parts A and B, then the company provides a Medigap policy and drug plan to cover the balance. As the prior ...

I just don't want to pay an additional $100/month when I am charged $24/month by my employer with the health coverage being almost equal. Almost there For absolute certainty, with your only being charged $24, your employer is paying a very large premium (a LOT more than $100!) each month to cover y...

We have a plot of 2-1/2 acres of land that is very difficult to sell not only because there are many fewer speculators than in the past (not us, we were given the plot). While there are electric and telehone hookups, there is no water line, so a buyer would have to either drill a well or pay a neig...

In April I turned 65 and started Medicare by paying quarterly premium for Part A + B. My next premium will be for July - Sept. I started a new job and will receive healthcare through my new employer starting in September. How do I drop Part B as of October, since my premiums through my employer are...

There are several aspects to what is meant by "compound interest" and the related term "compounded rate of return". For bank and credit union savings accounts (or certificates/CDs), Federal Truth In Savings law and regulations set required certain methods of showing annualized re...

The way it works with "Out of Network": If they pay 70%, like in your case, of "Reasonable and Customary", that means they (your insurance) will pay 70% of what they will pay an In-Network doc to do the work. You are responsible for 30% of the In-Network charge, plus the balance...

I forgot to mention that there is an OON deductible of $2000. To me, that means the patient's 30% liability for OON costs (the balance after 70% from the ins co.) would be limited to $2000, but potentially this applies only up to the capricious "reasonable and customary" limit. I can't sa...

I would gather all the detailed facts about this whole process and map out all the billing and match the billing (with all the magic billing codes) to what was done. Make sure that the things billed for match what was done. It sounds like some of this billing/procedure was "in network" and...

Just my 2 cents, while this is a delicate balance, try to avoid "taking sides" (however obvious you think one side might be), while providing "information". Professionals in this area (familiar with the relevant state laws and related) - such as attorneys and counselors and advoc...

1. I don't know if it speeds things up or not. I saw it and I thought it safer than UPS leaving package on my porch, or having delays if someone not home. [I have been hearing of packages being taken off porches in my neighborhood lately] 2. No extra charge (I got "free" shipping for the i...

One of the issues with ordering things delivered by UPS or FedEx, is the issue with packages being left on porches, etc. Amazon usually uses UPS, in my experience. I just ordered (and received yesterday) something in a small package (size of a hardback book), and used the new delivery address that t...

I think (can not cite chapter and verse) there is (or might be) an "issue" of some sort with either or both employer coverage because of "coordination of benefits". Depending on the details, and "fine print", to say nothing of the ACA, it might be possible that complete...

No Secondary Address and Your Answer to the Security Question Does not Work? Are you unable to reset your Gmail password, either through a secondary address or by answering your security question? Make sure you are trying to access the right account. Check the account name for misspellings. Does th...

Many years ago, before any of this was computerized for small entities, I did the payroll (as a volunteer)for a year for a small non-profit with about 12-15 employees, usi9ng charts and a pocket calculator and ledger books. I calculated withholding, hours worked, vacations, sick leave, etc. This org...

Dix. I second Ryuns comment about Sequoia being gorgeous but a long haul from Yosemite. Distances in the Sierra are hard to figure as the roads are very windy and narrow and can be traffic clogged in the summer. They will wear the driver out in 2 hours from turning. Figure going into Yosemite from ...

I set up an alternate gmail account some time ago, and I use it only occasionally. I made the mistake of not setting up phone contact or alternate email on the account, and now the password I remember does not work and I can't convince gmail that I am the "owner". Any ideas?

My main gmail account is first initial last name @gmail.com e.g. if my name were John Smith, it is jsmith@gmail.com. I got that because I got into gmail very early in gmail's existence. I have another gmail with the full first and last name john.smith@gmail.com, but do not use that very much. The fu...

Thanks for the advice. I see the majority is definitely in favor of selling my condo but I really haven't seen many good reasons as to why. Condos make bad rentals would be my #1 reason. Before deciding on keeping the condo and renting it out (if that turns out to be your preference), check to make...

The big advantage of using something close to your actual name is that folks are better at remembering it and knowing who is who. If you use a name that does not get recognition, confusion can result. BUT - definitely grab your full name (if available) so nobody else gets it. Using a name that has c...

Sell the condo and marry her before school starts. 4 out of 50 women in my class were engaged when they entered med school. All left their fiancées for classmates before graduation! Why do you think "marriage" will significantly lower the probability of leaving the OP and going with someo...

I have been to Yosemite three times (in the 80's and early 90's), once by myself on a spring weekend when I was in San Jose on business for two weeks, and twice with my wife and (then) young son in the fall (October, I recall). I think it is one of the most beautiful places I have ever been. I under...

Go to a credit union and see what a credit union can offer. Typically, credit unions are more favorable for used car loans than many other lenders. Many credit unions are very liberal with the amount they will lend on the valuation of the car. Of course, there is no universal standard for all credit...

Im told by a state farm rep that One's credit report can only be "dinged" one time within a six week period when shopping around for homeowners insurance? True? I hope so Xram I would not depend on an insurance sales person for information on the intricacies of the rules on credit reports.

Any limit on the size check that can be deposited this way? Do you mean physical size, or amount size ? I was just reading the FAQ on the Vanguard Mobile info - and the amount limit is $10k - Pretty sure this one won't work. http://3.bp.blogspot.com/-ED14Glw0ujE/UKunZ0D3rmI/AAAAAAAAAPU/GDFffzMLqQo/...

You have entirely too much time on your hands if you sit and worry, stress, and run numbers on things like that. :D I have a gov't job and our "cited salary" is based on an hours number of 2088/hours per year. There's some more numbers for you to run. Is that fair? :D I also get paid over...

You have entirely too much time on your hands if you sit and worry, stress, and run numbers on things like that. :D I have a gov't job and our "cited salary" is based on an hours number of 2088/hours per year. There's some more numbers for you to run. Is that fair? :D I also get paid over...

At this point, I'm a little leary about linking the accounts, as hacking one would give access to the others.. I've gotten over this fear and have linked bank accounts with Vanguard and with Schwab. When someone sends me a check it gets deposited into the bank and then ACH to the appropriate broker...

Nice work, dm200! This thread reminded me of how many times I had a new hire timidly ask me to review their first paycheck because it didn't look right. Most of our new hires are right out of college and it's their first "real" job. The confusion stems from where they start within the pay...

Strange but salary job I have worked scheduled a pay every two weeks and thus has 26 pay periods per year. I think, today, every two weeks (biweekly) is the most common payment frequency. I like that frequency because you sign "time sheets" (or equivalent) the same day the week and things...

So this is a third-party check. You can sign it and send it in. The worst that can happen is that Vanguard sends it back to you. You can probably call them up and ask them about 3rd-party checks, too. I think they man the phones on Saturday, so call quickly. Unless I am missing something, what is b...

I would assume that if the drug is not in their formulary it is not covered at all, the insurance would pay nothing and it would not count toward any maximums. Sounds like that is more or less the case: Non-formulary drugs also do not count toward the "true out-of-pocket" ("TrOOP&quo...

I'm looking to set up a new business and would like to use Vanguard for as many financial services as possible. In particular, I'm hoping to keep assets in a short-term bond fund, and would like to use the VanguardAdvantage feature to operate like a checking account. Do you know if this is allowed?...

I don't think the can or will change their mind for the current tax year. They could, however, re-evaluate values in coming years (however often that jurisdiction does assessments). It seems to me that, fro your point of view, this lowering of the assessment, might indicate the value of your propert...

I have never used one, but I notice these "urgent care" facilities popping up all over. Some seem to be single operations (one closest to me is a 2-3 physician operation, 7 days a week, 8 am - 8 pm), others seem to be small networks and others seem to be part of much larger operations. The...

Perhaps the first question to ask yourself is whether you want to run your own practice/business (and all the non-medical issues you would need to deal with OR hire someone to do) and whether you would be good at it as well.

We have a new vendor taking over over our 401k plan at work. I have just been asked to be a part of the committee that is meeting with the vendor in a week. What questions should I ask the vendor? Any advice is appreciated. Excuse my being a "skeptic", but the time (IMO) for a committee t...

As an example of actual MA costs, my MA plan has a maximum cost to me for part A and B coverage in 2013 of $3,400. I pay no added premiums to the MA provider - just the normal part B deduction of about $100 per month from SS retirement.

Here is a "trick" (or lie) they play on you and how to catch them - You probably get a quarterly statement on your 401k and, perhaps, an annual statement and some sort of performance figures for your fund(s). Then, perhaps, you get a performance report from the fund company or manager of t...

If the plan is with Principal, I would not believe anything they (your employer or principal) say. Get a copy of the 5500 report and see what the fees/commissions are. Almost certainly, the expense ratios of the funds are not picked up as admin fees.

1. Based on my first-hand experience with my Medicare Advantage Plan, I do have the prescription coverage as part of the plan and (as best I read the plan documents) -my benefits would be very good one I pass through the "donut hole" - should I need expensive prescriptions. I suggest inves...

[I LOVE this kind of thing!] OK, I got some numbers to work out. :beer :sharebeer :moneybag :dollar $90,000 per year - 24 paydays a year, with each payday the same $90,000/24 = $3,750 Normal FULL twice a month gross Using assumption ( not precise, but commonly used) of one year = 260 work days (52 ...

Even though it has been many decades, I still remember my first (then weekly) paycheck on my first job out of college for a major US Corporation. I had the same kinds of calculation questions as you - getting the numbers to reconcile. My "offer letter" said annual $7,670 and weekly $147.00...

[I LOVE this kind of thing!] OK, I got some numbers to work out. :beer :sharebeer :moneybag :dollar $90,000 per year - 24 paydays a year, with each payday the same $90,000/24 = $3,750 Normal FULL twice a month gross Using assumption ( not precise, but commonly used) of one year = 260 work days (52 w...

Ok guys, I'm really not that great at math but I just can't seem to figure out how my paycheck is calcuated: State: CA Status: Salaried/Exempt Start Date: Arpil 17, 2013 Annual Pay: 90k Pay period: bi-montly (24 pay periods) Pay period: April 15 - April 30 My first check was $3057.70 Gross. However...

See if the Boston Pops has a performance that you could attend

http://www.bso.org/brands/pops/features ... -pops.aspx