Search found 230 matches

by jane1
Tue Jun 30, 2015 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?
Replies: 49
Views: 3632

Re: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?

Where I live, insurance companies still set their allowable/usual and customary rates for services below amounts Here is the site to look up fees for codes. http://fairhealthconsumer.org/ I was just playing around on the site and they have updated it to show more info than they used to if you selec...
by jane1
Tue Jun 30, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: My email being used on a foreign Facebook account
Replies: 8
Views: 915

Re: My email being used on a foreign Facebook account

I also found a link at the bottom of the Facebook notification email in fine print that said "If you didn't create a Facebook account using this email address, please let us know." Clicking that link gave me the confirmation "The email you entered has been disabled by an administrator...
by jane1
Mon Jun 29, 2015 2:11 pm
Forum: Personal Consumer Issues
Topic: My email being used on a foreign Facebook account
Replies: 8
Views: 915

Re: My email being used on a foreign Facebook account

Same thing happened to me. Still haven't resolved it. Found this link
https://www.facebook.com/help/contact/255904741169641
But it looks like they require full name, DOB, etc.

If you find a better solution let me know.
by jane1
Mon Jun 29, 2015 10:53 am
Forum: Personal Consumer Issues
Topic: Amazon getting too smart?
Replies: 33
Views: 3868

Re: Amazon getting too smart?

tc101 wrote:I posted a message about it on the amazon forum and now the behavior has stopped.


??
Please elaborate what you mean.
by jane1
Fri Jun 26, 2015 3:31 pm
Forum: Personal Consumer Issues
Topic: Squirrel nemesis
Replies: 60
Views: 5125

Re: Squirrel nemesis

I have been fighting squirrels this season. They started with a Basil plant. Maybe they were looking for the oregano for their tomato, basil & oregano bruschettas ??? :happy They have a better chance at the bruschetta than me since I have zero ingredients! They can get Oregano from the neighbor...
by jane1
Fri Jun 26, 2015 3:25 pm
Forum: Personal Consumer Issues
Topic: Squirrel nemesis
Replies: 60
Views: 5125

Re: Squirrel nemesis

I have been fighting squirrels this season. They started with a Basil plant. Dig up 2 times a day, so the plants haven't been healthy. Then they included tomato plants in their digging! Just this morning they broke 2 large tomatoes and left them half bitten. I tried spraying home-made pepper spray,...
by jane1
Fri Jun 26, 2015 12:57 pm
Forum: Personal Consumer Issues
Topic: Squirrel nemesis
Replies: 60
Views: 5125

Re: Squirrel nemesis

I have been fighting squirrels this season. They started with a Basil plant. Dig up 2 times a day, so the plants haven't been healthy. Then they included tomato plants in their digging! Just this morning they broke 2 large tomatoes and left them half bitten. I tried spraying home-made pepper spray, ...
by jane1
Thu Jun 25, 2015 3:33 pm
Forum: Investing - Theory, News & General
Topic: When saving money becomes an irrational obsession
Replies: 143
Views: 18837

Re: When saving money becomes an irrational obsession

Money is like food. Most Americans overeat. Most Americans overspend. A small minority have anorexia, eating so little that it damages their health. A small minority have financial anorexia, spending so little that it seriously damages their relationships with other people and leaves them missing o...
by jane1
Tue Jun 23, 2015 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Impact on benefits if I leave the US and go to India
Replies: 11
Views: 1736

Re: Impact on benefits if I leave the US and go to India

Check out forums on r2i and scroll down to the US and India related finance forums.
http://www.r2iclubforums.com/
by jane1
Tue Jun 23, 2015 11:10 am
Forum: Personal Consumer Issues
Topic: Optimize trip to China
Replies: 24
Views: 2399

Re: Optimize trip to China

You can fly to Beijing, spent 2-3 days sightseeing (incl Great Wall). Xian (terracota warriors) can be skipped, imo, on a short trip. Based on your interests, you can do a 3-river gorges, Yangtze cruise. Or Southwest China (Guilin, Yangshuo, Lijiang, Dali, Kunming) is beautiful and is on the typical...
by jane1
Sat Jun 20, 2015 1:04 pm
Forum: Personal Consumer Issues
Topic: San Francisco advice
Replies: 18
Views: 2425

Re: San Francisco advice

Exploratorium (a definite must) Pier 39 (touristy but still lot of people-watching, outdoor performances/buskers, sea lions) & fisherman's wharf Cable car Twin Peaks (if you like vistas) Golden gate park (equivalent of Central Park in NYC, some sights, lots of green space, trails and place to es...
by jane1
Fri Jun 19, 2015 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Crazy error on Vanguard's part
Replies: 16
Views: 3751

Re: Crazy error on Vanguard's part

AWH_CPA wrote:I'd wait a few days. Chances are it is simply a "bug" reporting a balance that isn't really there. I bet once all the trades settle in a couple days the balance will be gone.


+1
Things will likely clear up once the trade settlement process is done.
by jane1
Fri Jun 19, 2015 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Investing 11 Million Dollar Gift
Replies: 80
Views: 11850

Re: Investing 11 Million Dollar Gift

Congratulations! Make Financial Planning your passion. Investing a few weeks/months of your time learning about passive investing, taxes, estate planning will be a huge payoff all your life. Bogleheads wiki and forum is a great place to start. The quality of knowledge and advice here is as good as i...
by jane1
Thu Jun 18, 2015 1:54 am
Forum: Investing - Theory, News & General
Topic: Should I give up: Non-resident alien living in the US wants to buy MF?
Replies: 6
Views: 839

Re: Should I give up: Non-resident alien living in the US wants to buy MF?

This is my understanding & I could be completely wrong. So don't go by this alone. Use this guideline as you go through any websites or forms - As a F1 you are not a "US resident" even though you live in the US. So any broker rep that advises you that living in the US and having a US a...
by jane1
Tue Jun 16, 2015 7:26 pm
Forum: Personal Consumer Issues
Topic: 6 Month Away Locations
Replies: 11
Views: 1514

Re: 6 Month Away Locations

Within SF Bay Area - Palo Alto, Mountain View, Cupertino for the tech vibe, meetups/events and competitive schools kids. Attend the Synopsys science fair, Tech Challenge, etc to see what middle and high-school kids do! Close to Stanford. I would have said SF too, but there are way too many homeless,...
by jane1
Tue Jun 16, 2015 7:06 pm
Forum: Personal Consumer Issues
Topic: "Phantom" Tipping
Replies: 68
Views: 10657

Re: "Phantom" Tipping

I have heard from 2 friends (recently) about similar things that have happened to them. I don't check my CC statements against receipts carefully, so don't know if it has happened to me. I should. Thanks for reminding.
by jane1
Tue Jun 16, 2015 4:56 pm
Forum: Personal Consumer Issues
Topic: Most Beautiful Nature Destinations
Replies: 50
Views: 6071

Re: Most Beautiful Nature Destinations

My favorite scenic nature places in US/Canada - Yellowstone - Grand Canyon - Kauai - Banff/Jasper - NPs in Utah - Glacier NP - Drive to Seward + Alaska glaciers, fjords Abroad - New Zealand (esp South Island) - Norway - near Bergen, Fjords - Himalayas - Amalfi Coast, Cinque Terre - Italy - Greek Isl...
by jane1
Mon Jun 15, 2015 1:09 pm
Forum: Personal Consumer Issues
Topic: The cost of walking el Camino de Santiago
Replies: 72
Views: 7948

Re: The cost of walking el Camino de Santiago

VictoriaF, thanks for sharing. Looks like you had a wonderful time.
On a typical day, how many others on the stretch you might be doing? A handful, a few dozen or 100s or more? I am trying to get an idea of the density of people on the trail?
by jane1
Sun Jun 14, 2015 11:29 pm
Forum: Personal Consumer Issues
Topic: Best European Cities for families, the outdoors and cycling
Replies: 58
Views: 5137

Re: Best European Cities for families, the outdoors and cycling

If you want somewhat decent climate, it pretty much should be close to the Mediterranean coast. 6 months is ok most places. Keep in mind even Rome is north of Chicago. Copenhagen is very expensive and won't be good weather-wise. Amsterdam would be too cold for half the year. Italy, French Riveira or...
by jane1
Fri Jun 12, 2015 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Buying in Bay Area (redux)
Replies: 57
Views: 6766

Re: Buying in Bay Area (redux)

Zillow doesn't end up with repair or minor remodel history. In fact a major remodel may also take months to show up. A friend doubled living space, gutted existing space, all new walls, windows, roof, heating, AC. Only original frame remained. Whole thing cost over $350k a year ago. Still not there ...
by jane1
Fri Jun 12, 2015 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Dispute/Don't Pay Medical Bill
Replies: 45
Views: 3089

Re: Dispute/Don't Pay Medical Bill

I am a physician and would say .... Any procedure that is done to a patient should have a written consent documenting the risks, benefits, and alternative treatment options. It does not seem like he went through that with you let alone got written consent for such procedure... Also, if he did not g...
by jane1
Thu Jun 11, 2015 3:16 pm
Forum: Personal Consumer Issues
Topic: iPhone 6 or 6 plus for light business travel?
Replies: 27
Views: 2801

Re: iPhone 6 or 6 plus for light business travel?

Question for those with the 6+ - how do you carry the phone? In your pocket or somewhere else like a bag? In a jacket in fall/winter/spring. I don't use a purse. Back pocket of jeans when it is warmer. I take it out of the pocket when I sit down. I am also finding that I have started wearing cargo ...
by jane1
Thu Jun 11, 2015 11:05 am
Forum: Personal Consumer Issues
Topic: iPhone 6 or 6 plus for light business travel?
Replies: 27
Views: 2801

Re: iPhone 6 or 6 plus for light business travel?

I use 6 plus and that has become the primary for leisure trips. Depending on what type of consulting/business travel you do, you have to decide whether laptop is needed. For me laptop is essential for consulting travel and no phone/tablet can replace it.
by jane1
Wed Jun 10, 2015 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Disadvantages from moving 401k to IRA
Replies: 37
Views: 3512

Re: Disadvantages from moving 401k to IRA

New employer offers after-tax 401k too but the hassle of reverse rollover from IRA to new 401k with not great fund options has held us back. New employer offers after-tax 401k or Roth 401k? IMO, the ability to put $53k/year into after-tax 401k trumps "not great fund options." Do they allo...
by jane1
Wed Jun 10, 2015 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Disadvantages from moving 401k to IRA
Replies: 37
Views: 3512

Re: Disadvantages from moving 401k to IRA

Want to reiterate what mhalley has said. If you plan on doing backdoor roth at some point, you should weigh that appropriately before you decide to move your 401k to IRA. We still regret the move. If you have a new employer 401k, they often all "reverse rollovers" into the new plan. Yes. ...
by jane1
Wed Jun 10, 2015 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Disadvantages from moving 401k to IRA
Replies: 37
Views: 3512

Re: Disadvantages from moving 401k to IRA

A couple of mild disadvantages. 1. Less protection from lawsuits, creditors, etc. (depends on state) 2. Makes doing backdoor roth more difficult. Most of the time it is worthwhile to move if fees are high. Mike Want to reiterate what mhalley has said. If you plan on doing backdoor roth at some poin...
by jane1
Wed Jun 10, 2015 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Buying in Bay Area (redux)
Replies: 57
Views: 6766

Re: Buying in Bay Area (redux)

Prop 13 has a significant impact on housing inventory in the Bay Area (and CA). Plus local zoning laws often prevent building of high-rises (i.e. buildings can't be higher than the trees in lot of areas!) so new construction isn't happening at the rate needed. Retirees who bought their homes 25-40 y...
by jane1
Wed Jun 10, 2015 1:17 am
Forum: Personal Consumer Issues
Topic: Airline flight booking
Replies: 22
Views: 2933

Re: Airline flight booking

Search on itasoftware.com. Allows huge flexibility and very powerful engine to see multiple airlines, multiple days, etc. Learn to use the "Calendar Search" feature. Once you choose your itinerary, you can book directly at the airline's website. ITA's engine runs lot of the booking website...
by jane1
Tue Jun 09, 2015 7:36 pm
Forum: Personal Consumer Issues
Topic: Men's dress shirts - Charles Tyrwhitt shirts on sale for $29
Replies: 28
Views: 4619

Re: Charles Tyrwhitt shirts on sale for $29

And I thought I go to this website to keep me from spending money :wink: ... I told myself no more CT shirts until I see the $29 sale. Great shirts all around for a great price. Remember the ads "the more you shop, the more you save" or is it "the more you spend, the more you save&qu...
by jane1
Tue Jun 09, 2015 6:29 pm
Forum: Personal Consumer Issues
Topic: Men's dress shirts - Charles Tyrwhitt shirts on sale for $29
Replies: 28
Views: 4619

Men's dress shirts - Charles Tyrwhitt shirts on sale for $29

If you are looking for decent dress shirts, Charles Tyrwhitt has a very good shirt sale (with good color selection) for $29. Shipping for $10-15 based on order size.
http://www.ctshirts.com/default.aspx?q= ... ||||||||||
by jane1
Mon Jun 08, 2015 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?
Replies: 49
Views: 3632

Re: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?

I agree this is how it should work. I suspect for the OP that the claim has not been processed by the insurance company yet, so there is not an EOB which tells everyone the allowed fee. The doctor's office has NO WAY of knowing that fee. The insurance companies do not publish fee schedules (except ...
by jane1
Mon Jun 08, 2015 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?
Replies: 49
Views: 3632

Re: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?

I am disappointed with the insurance company for not having negotiated rates with the practical monopoly medical provider in the area. I think you found the reason why your insurance company didn't negotiate a good rate for you. No personal experience but I've heard of people going to the Saratoga ...
by jane1
Mon Jun 08, 2015 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?
Replies: 49
Views: 3632

Re: Healthcare cost - Office Visit established patient

Santa Clara county in CA. If I am interpreting correctly, medicare 2015 rates for 99203 for this county per cms.gov website are $86 or $129 depending on facility/non. I don't see why the medical field can't give an estimated range for services before rendering. If a service costs $X at one provider ...
by jane1
Sun Jun 07, 2015 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Question
Replies: 8
Views: 924

Re: Health Insurance Question

Hope that answered your questions. You can go with BCBS in the year of your retirement. And switch to another plan the following year if you may qualify for subsidies. If you have the ability to time your retirement and your income in retirement will be low enough to qualify for subsidies, you can p...
by jane1
Sun Jun 07, 2015 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?
Replies: 49
Views: 3632

Re: Healthcare cost - Office Visit established patient

Same coverage type in SoCal. The office visit usually would be covered by the copay. Not sure why it wasn't. The procedure, tick removal or whatever, would be subject to the deductible. Call the doctor and offer the cash pay price or whatever their average in network fee is. Given that it's HDHP, y...
by jane1
Sun Jun 07, 2015 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Question
Replies: 8
Views: 924

Re: Health Insurance Question

mule, in response to your PM. Will you continue having employer provided insurance through BCBS? I didn't quite get that. Your premiums and medical expenses are, for the most part, not deductible. Let me elaborate. If you have self-employed income, you may be able to deduct the premiums on your tax ...
by jane1
Sun Jun 07, 2015 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?
Replies: 49
Views: 3632

Re: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?

Sounds like your beef is with the doctor's office, not the insurance company. The insurance company can only process the claim that is submitted to them by the doctor's office. It does seem strange that there is no negotiated rate available for that specific service if that's what the office has li...
by jane1
Sun Jun 07, 2015 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?
Replies: 49
Views: 3632

Re: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?

That seems a little breathtaking for a 99203, but another possibility was if the billing code (not medical code) was for an urgent care visit, as opposed to a hi-welcome-to-our-practice new patient visit. The POS (place of service) code can change the reimbursement rate. I got nailed with one of th...
by jane1
Sun Jun 07, 2015 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Question
Replies: 8
Views: 924

Re: Health Insurance Question

This has the details on how subsidy is calculated based on your MAGI. Basically your AGI with certain tax-exempt income, etc added back. http://obamacarefacts.com/insurance-exchange/calculating-tax-credits/ I will try to find the link to an online calculator that goes into all specific sources of in...
by jane1
Sun Jun 07, 2015 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?
Replies: 49
Views: 3632

Re: Healthcare cost - Office Visit established patient

I wouldn't waste much time. it just isn't outrageous for the work. The point isn't the one time cost. But looks like ongoing medical costs would be at officially published rack rates. And with high deductible I will be paying MSRP out-of-pocket. Why pay about 10K for insurance premiums if you are g...
by jane1
Sun Jun 07, 2015 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?
Replies: 49
Views: 3632

Re: Healthcare cost - Office Visit established patient

I wouldn't waste much time. it just isn't outrageous for the work. The point isn't the one time cost. But looks like ongoing medical costs would be at officially published rack rates. And with high deductible I will be paying MSRP out-of-pocket. Why pay about 10K for insurance premiums if you are g...
by jane1
Sun Jun 07, 2015 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?
Replies: 49
Views: 3632

Re: Healthcare cost - Office Visit established patient

It was coded 99203 (which is Office Visit - Moderate Level 3 - New patient). I have talked to the insurance company as well as Medical Group billing dept and they said that was the cost. I recently learnt that CVS Convenience Clinics consider this is a minor injury and charge $79-99 for tick removal...
by jane1
Sun Jun 07, 2015 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?
Replies: 49
Views: 3632

Re: Healthcare cost - Office Visit established patient

Same coverage type in SoCal. The office visit usually would be covered by the copay. Not sure why it wasn't. The procedure, tick removal or whatever, would be subject to the deductible. Call the doctor and offer the cash pay price or whatever their average in network fee is. Given that it's HDHP, y...
by jane1
Sun Jun 07, 2015 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?
Replies: 49
Views: 3632

Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?

I thought I was a savvy consumer and had a basic understanding of healthcare costs. We have a HDHP with HSA in CA. DH got a tick bite, we remove it (maybe not completely - unsure) and need to get an antibiotic prescription. Since he hasn't seen a doctor after we got this insurance, we look up and fi...
by jane1
Wed Jun 03, 2015 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay $150 In Taxes On $150000 Income
Replies: 37
Views: 6915

Re: How to pay $150 In Taxes On $150000 Income

Re: groceries, $80 pppm isn't infeasible based on where you shop and the brands you buy. Dried Beans and Lentils often cost <$1 per pound and once cooked can be several servings Rice costs <$1 per pound and again multiple servings per lb Seasonal fresh veggies and fruits at local market in Bay Area ...
by jane1
Tue Jun 02, 2015 5:41 pm
Forum: Personal Consumer Issues
Topic: No-line bifocals [progressives] from Costco
Replies: 29
Views: 3176

Re: No-line bifocals from Costco

Frames: $50-200 (most) or ~$20 if you bring your own Lenses: ~$60 for cheapest, plastic single vision ~$160 for hi-index, progressive Coating (scratch, glare) is included on all lenses by default You can phone the Costco you are planning to visit. They will tell you the price over the phone. Note, i...
by jane1
Tue Jun 02, 2015 11:53 am
Forum: Personal Consumer Issues
Topic: Perpetual Travelling
Replies: 73
Views: 9779

Re: Perpetual Travelling

Explaining to others including tax authorities, health insurance and others concerned, about this type to lifestyle makes this unnecessarily complex. This is something I've been wondering about - the lack of a fixed address. I've just begun to discover that there are places that will sell you a str...
by jane1
Tue Jun 02, 2015 12:43 am
Forum: Personal Consumer Issues
Topic: Perpetual Travelling
Replies: 73
Views: 9779

Re: Perpetual Travelling

Also check out this woman's blog. Iirc, she spends a couple of months in each location and then moves on to another. https://carolkiecker.wordpress.com/about/ I will dig up a few more blogs that I used to follow a few years back when we wanted to do something like this. We did live without a home ba...
by jane1
Sun May 31, 2015 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance and marriage
Replies: 4
Views: 703

Re: Health insurance and marriage

Yes, you can continue with your own plans. Spouse and I had individual health insurance from our respective employers when we were both working. You might also find that the deductible and out-of-pocket for each of you with separate insurance is better than if you end up with family coverage. Even a...

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