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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 ejvyas
Tue Nov 25, 2014 11:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Strategically not paying medical bills for 90 days for a dis
Replies: 30
Views: 2787

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

I have received huge bills >$1000 due to my son's medical conditions and I tried my best to get a discount. Called almost 10+ times on various bill but I was unable to get any. They clearly mentioned that this is negotiated insurance rate and they can't do anything about it. The best they could do w...
by ejvyas
Tue Nov 25, 2014 11:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Strategically not paying medical bills for 90 days for a dis
Replies: 30
Views: 2787

Re: Send text messages from PC to Cell Phone

To send a text message via email, you must use a SMS to email gateway. Just substitute a 10-digit cell number for ‘number’ for each carrier below: ■AT&T: number@txt.att.net ■T-Mobile: number@tmomail.net ■Verizon: number@vtext.com ■Sprint: number@messaging.sprintpcs.com or number@pm.sprint.com ■...
by ejvyas
Sat Nov 22, 2014 9:32 am
 
Forum: Personal Consumer Issues
Topic: Send text messages from PC to Cell Phone
Replies: 15
Views: 1456

Re: Health Equity HSA--New Passive Plan

Check out the wiki : http://www.bogleheads.org/wiki/Health_savings_account You may want to take a hard look at your paycheck in that case. Discuss with payroll ? Just some of the sources that seem to contradict the wiki: http://healthsavingsaccount-hsa.com/FAQ.htm "Tax9 Do HSA contributions re...
by ejvyas
Tue Nov 18, 2014 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 42
Views: 5239

Re: Health Equity HSA--New Passive Plan

I think it depends if your employer is offering payroll deductions and the company option. The payroll tax deduction for SS and Medicare is significant. For transferring, seems HSA bank is a decent consideration due to the brokerage availability. This is the second time I've seen someone say this, ...
by ejvyas
Tue Nov 18, 2014 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 42
Views: 5239

Re: Health Equity HSA--New Passive Plan

I'm also with HealthEquity and not so happy with their fund choices. I don't see anywhere on their web site where they are offering these VG funds in the future. Since they are using Schwab I wish they would just offer the brokerage option since Schwab has low fee funds. When I ask my benefits they...
by ejvyas
Thu Nov 13, 2014 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 42
Views: 5239

Re: Health Equity HSA--New Passive Plan

desertgoose wrote:
kafshar1 wrote:They said 10/31 got delayed to 11/12 per the email I received.


I called a while back and got the same information. Does anyone have access to the Investor Choice funds yet? I don't.


Only passive funds I see are MWLDX and APOIX and both are > .50 ER :oops: No Vanguard funds yet!
by ejvyas
Thu Nov 13, 2014 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 42
Views: 5239

Re: Health Equity HSA--New Passive Plan

Sorry wrong copy/paste. Did they add this???
by ejvyas
Tue Nov 11, 2014 7:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 42
Views: 5239

Re: Coupons? Do you live by them?

I just go through the normal deal sites if I have time to plan for the event/trip.
by ejvyas
Fri Oct 31, 2014 5:27 pm
 
Forum: Personal Consumer Issues
Topic: Coupons? Do you live by them?
Replies: 66
Views: 4047

Re: Would you use TurboTax in this scenerio?

Beware - TT (onine version) has a bug in change of address - 2013 version. So many people faced it and they were unable to fix it.

I was not able to change my address in TT online version. The reps kept saying they see my new address but online and print version show the old address
by ejvyas
Thu Oct 30, 2014 11:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you use TurboTax in this scenerio?
Replies: 11
Views: 965

Re: Smartphone questions

This should be a poll..How are you going to compile so much of information! Smartphone and brand is something that everyone is so passionate about
by ejvyas
Thu Oct 30, 2014 11:38 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 106
Views: 8966

Health Equity - Investor Choice funds

Health Equity has does not have a good choice of funds available for HSA account. There were threads on this forum that speculating Vanguard/passive funds would be added in Oct 2014. Here is a video related to that on Youtube: https://www.youtube.com/watch?v=OMmhHZdCRHY. I was able to find their pro...
by ejvyas
Mon Oct 27, 2014 9:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Health Equity - Investor Choice funds
Replies: 0
Views: 280

Re: Apple Pay, Google Wallet, credit, and us

also - the touch id is useless for some..like me who have bad fingerprints :annoyed
by ejvyas
Thu Oct 23, 2014 11:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 8697

Re: Upgraded to OS X 10.10 Yosemite

Stupid Apple again broke my apache. I dont understand why they cant save the old config. Same thing happened in Mavericks too. Waste of time
by ejvyas
Sun Oct 19, 2014 8:48 pm
 
Forum: Personal Consumer Issues
Topic: Upgraded to OS X 10.10 Yosemite
Replies: 38
Views: 4574

Re: Balance Transfer Credit Card 1% fee, no APR for 1 year

Does that CD have any FDIC kind of insurance?
Factor in transfer to and fro charges


How much do you expect by doing this?
by ejvyas
Thu Oct 16, 2014 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Balance Transfer Credit Card 1% fee, no APR for 1 year
Replies: 9
Views: 369

Re: Health Equity HSA--New Passive Plan

Looking forward to this. Cant wait to get out of 1.12% ER.
by ejvyas
Wed Sep 17, 2014 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA--New Passive Plan
Replies: 42
Views: 5239

Re: Your Favorite charity organization...? please

Asha for Education where I volunteer my time
Salvation Army where I donate stuff that I dont use
by ejvyas
Tue Aug 12, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite charity organization...? please
Replies: 91
Views: 4833

Re: Would you tip this tour guide?

I wouldnt tip. I would search the business online and add it to their review. This is not an aircraft where you sit and dont move for hours. They should have arranged for another car or just used this minivan for max 5
by ejvyas
Tue Aug 12, 2014 1:54 pm
 
Forum: Personal Consumer Issues
Topic: Would you tip this tour guide?
Replies: 22
Views: 2340

Re: Anyone attend Worcester Polytechnic Institute

My wife studied at WPI (MS-CS). She got an internship and job offer from the internship company before she graduated. Its a good school and well-known in the area.

But the important part is to keep looking for a job/internship.
by ejvyas
Tue Jul 22, 2014 6:55 am
 
Forum: Personal Consumer Issues
Topic: Anyone attend Worcester Polytechnic Institute
Replies: 45
Views: 2559

Re: Medical plan and dependent care

I will have a break between jobs (10-15 days). I am pretty sure you can retroactively start Cobra during that period time if you find you need it. Thats awesome! I love this forum! My son was in a similar situation and I suggested he fill out and sign the paperwork and give it to someone to hold in...
by ejvyas
Thu Jun 26, 2014 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical plan and dependent care
Replies: 7
Views: 297

Re: Medical plan and dependent care

user5027 wrote:
ejvyas wrote:I will have a break between jobs (10-15 days).


I am pretty sure you can retroactively start Cobra during that period time if you find you need it.


Thats awesome! I love this forum!
by ejvyas
Thu Jun 26, 2014 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical plan and dependent care
Replies: 7
Views: 297

Re: Medical plan and dependent care

Not sure what penalties you are referring to, but if it is ACA-related, there is no penalty for a gap less than three months. Aah...thanks ! So the only question would be if I am eligible to buy a plan off the MA health connector which has cheaper rates than the COBRA plan offered to me. Again - I ...
by ejvyas
Thu Jun 26, 2014 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical plan and dependent care
Replies: 7
Views: 297

Medical plan and dependent care

I will have a break between jobs (10-15 days). I was planning for medical and dependent care and had the following questions: 1. I checked COBRA prices from the old company and they are 10x what I am paying now while MA health connector is 4x. Am I eligible to apply for the plans on the MA health co...
by ejvyas
Thu Jun 26, 2014 9:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Medical plan and dependent care
Replies: 7
Views: 297

HSA - moving to new company

I am leaving a company to work for another company that offers HDHP + HSA. I have already hit 90-10 deductible in current company HDHP plan (lots of kids appointments) and very close to OOPMax. Please confirm the following: 1. If I elect HDHP in new company, I will have to go through a new cycle to ...
by ejvyas
Tue Jun 10, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA - moving to new company
Replies: 2
Views: 284

Re: Car Insurance - Which company do you use?

Geico

This should have been a poll
by ejvyas
Fri May 02, 2014 10:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car Insurance - Which company do you use?
Replies: 19
Views: 1852

Re: HSA cost benefit analysis

Have you, yet, personally encountered a situation where you actually had to pay the full deductible? Based on other postings in the forum, I get the impression that people judge, quite correctly, that an economic analysis favors the high deductible plan--they can afford the risk and it is beneficia...
by ejvyas
Tue Apr 15, 2014 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA cost benefit analysis
Replies: 23
Views: 2343

Re: KeePass vs LastPass

Should have used the poll option on this one
by ejvyas
Thu Apr 10, 2014 11:40 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 12875

Re: Stopping Junk Mail

I use PaperKarma and Choice Catalogue but local stores still send me junk offers and coupons that I dont care about. I saw the USPS postman puts these fliers and offers in my mailbox.

Folks - I dont eat pizza everyday. Maybe once in 3-4 months.
by ejvyas
Tue Mar 11, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Stopping Junk Mail
Replies: 17
Views: 1478

Re: T-Mobile's response to a weak signal

Did you try the T WiFi calling? Unfortunately - there is nothing a customer can do. I had good T signal earlier. Now its weak during the day.
by ejvyas
Mon Mar 10, 2014 10:07 pm
 
Forum: Personal Consumer Issues
Topic: T-Mobile's response to a weak signal
Replies: 16
Views: 2085

Re: AT&T Mobile Users: Check your plans

By selecting these plans you are moving off contract. The big change would be if you need a new phone ATT wont subsidize it. You will pay full retail price. The rep told me it has no impact on your contract. ATT Alert: Reps are confused. They told my friend if he buys Moto X from Motorola and activ...
by ejvyas
Mon Mar 10, 2014 10:05 pm
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 63
Views: 8558

Re: Anti-virus for Mac?

For people who claim to have never had a virus: how do you know? Most viruses wouldn't exactly announce themselves. You could easily have a virus for years and never know about it. If I had a virus for years and didn't know it then that's a pretty lame virus. I've had a PC with a virus and I knew i...
by ejvyas
Mon Mar 10, 2014 10:00 pm
 
Forum: Personal Consumer Issues
Topic: Anti-virus for Mac?
Replies: 80
Views: 4607

Re: The Oscars

Nothing. I changed the channel in 15 mins
by ejvyas
Tue Mar 04, 2014 10:46 am
 
Forum: Personal Consumer Issues
Topic: The Oscars
Replies: 25
Views: 1729

Re: Billing for annual physicals

Indeed, to be sure it is coded as a physical, one can do what Kevin did: say everything is fine. The problem is that a physical has ZERO value, zero. Except for a review of things that are problematic, the routine exam is worthless except for a blood pressure check annually, a cholesterol value eve...
by ejvyas
Thu Feb 13, 2014 9:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 73
Views: 5296

Re: What are you paying for your personal tax prep?

I use HnR or TT or TaxAct so ~$50
by ejvyas
Wed Feb 12, 2014 10:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are you paying for your personal tax prep?
Replies: 28
Views: 1583

Re: Billing for annual physicals

I am using HDHP since the last ~ 3 yrs. I have seen this is increasingly common practice unless you know the doctor or the office personnel. All my friends were charged extra and given lab orders that were diagnostic in nature even after they insisted the doctor to do just basic preventive tests dur...
by ejvyas
Wed Feb 12, 2014 10:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 73
Views: 5296

Re: Target's Brightspot from T-Mobile.

Thanks, I've actually been researching the $30 option since I posted last night. I'd probably buy a used iphone on http://www.glyde.com , which I learned from another thread on here. Trying to find a way around the 100 minutes, possibly by using an app has been my focus. This page is confusing to m...
by ejvyas
Wed Feb 12, 2014 10:32 pm
 
Forum: Personal Consumer Issues
Topic: Brightspot OR $30/unlimited web/text/100 min. from T-Mobile.
Replies: 26
Views: 3774

Re: wash sale

Give him the link to this thread and ask him to register @ Bogleheads :wink:
by ejvyas
Wed Feb 12, 2014 10:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: wash sale
Replies: 6
Views: 327

Re: AT&T Mobile Users: Check your plans

With the ATT plan you're not forced to buy their overpriced phones like the new TMobile plan. I tried to switch to TMobile but they wouldn't let me. TMo forced me to buy two new Galaxy S4 for $1300 and offered only $300 for my two new Galaxy S4! I said no way I'll simply unlock my S4 to use so we'r...
by ejvyas
Wed Feb 05, 2014 12:40 am
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 63
Views: 8558

Re: Check Rejected Due to Low Number

Clearly, there is a business opportunity here a check-printing company that prints checks with a starting number of 10001. Or 31416. Imagine how impressed the clerk will be at seeing such a big number! Looks like there might not be room for more than five digits in the MICR area. Too bad, "six...
by ejvyas
Fri Jan 24, 2014 1:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Check Rejected Due to Low Number
Replies: 56
Views: 3979

Re: New Amica discounts available

I always got Amica quotes +10% more than the second highest
by ejvyas
Fri Jan 24, 2014 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Amica discounts available
Replies: 26
Views: 2747

Re: Garmin Nuvi equivalent ?

Don't be cheap and get a GPS. That's my view. Sure, your smartphone can do a lot of things. But there's something to be said for specialized devices. Owning a Swiss Army knife doesn't mean you no longer have need of a real set of screwdrivers. I have a GPS receiver for the car, a smaller GPS receiv...
by ejvyas
Fri Jan 24, 2014 1:03 pm
 
Forum: Personal Consumer Issues
Topic: Garmin Nuvi equivalent ?
Replies: 32
Views: 2107

Re: 11% increase in auto insurance premium

Shop insurance every year. Lowest is the best
by ejvyas
Mon Jan 13, 2014 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: 11% increase in auto insurance premium
Replies: 25
Views: 2503

Re: Buy new vs used RX 350

Discussion has gone tangent to what the OP has asked. I m having great fun understanding whether to go for new or used CPO RX350 :oops:

Go Pats !
by ejvyas
Sun Jan 12, 2014 1:43 am
 
Forum: Personal Consumer Issues
Topic: Buy new vs used RX 350
Replies: 29
Views: 3441

Re: Buy new vs used RX 350

I compared RDX, MDX, Highlander, CRV and now planning to buy RX350 certified pre-owned (maybe 1-2 yrs old). MDX was a close second but its huge and we dont need 3rd row seating.
by ejvyas
Wed Jan 08, 2014 11:51 pm
 
Forum: Personal Consumer Issues
Topic: Buy new vs used RX 350
Replies: 29
Views: 3441

Re: How do you filter your water?

Brita pitcher
by ejvyas
Wed Jan 08, 2014 7:41 pm
 
Forum: Personal Consumer Issues
Topic: How do you filter your water?
Replies: 77
Views: 3736

Re: Auto insurance

Geico. I compare quotes from 3-4 companies every year
by ejvyas
Wed Jan 08, 2014 7:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Auto insurance
Replies: 35
Views: 2727

Re: How much a baby costs?

I EBF but took the free formula as just in case. Sadly, not every woman can BF so hope for the best but prepare for the worst. Thanks for remembering this -- many "breast is best" advocates around here make it sound like people who don't breastfeed are committing child abuse, even when it...
by ejvyas
Tue Jan 07, 2014 12:05 am
 
Forum: Personal Consumer Issues
Topic: How much a baby costs?
Replies: 86
Views: 5171

Re: How much a baby costs?

Your washing machine will instantly get double the work when you bring the little one home, or more. You will have to wash all of the burp rags, clothes, bedding, etc, etc. You will also be washing more of your own clothes too. If the machine is old, prepare to buy a new one. All the laundry also m...
by ejvyas
Mon Jan 06, 2014 11:58 pm
 
Forum: Personal Consumer Issues
Topic: How much a baby costs?
Replies: 86
Views: 5171

Re: Fully fund HSA or move on to taxable account?

max out HSA and let it compound. Keep receipts for emergency withdrawal at a later period. You might be healthy now which is even better for HSA funds to grow. Let it grow
by ejvyas
Fri Jan 03, 2014 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fully fund HSA or move on to taxable account?
Replies: 12
Views: 628
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