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Re: HIPAA law and release of test results over phone by doct

I am a PA that works in orthopedic surgery and PAs can provide results over the phone. You may have been talking to an OPA which is orthopedic physician assistant , but they are more like Ortho tech and not licensed to practice like PAs and nurse practitioners. It is a confusing name .That is proba...
by jwblue
Mon May 19, 2014 7:49 pm
 
Forum: Personal Consumer Issues
Topic: HIPAA law and release of test results over phone by doctor
Replies: 14
Views: 1011

Re: HIPAA law and release of test results over phone by doct

Was it a medical assistant or a Physician Assistant? PAs or NPs can give results over the phone to whomever is listed on your HIPAA paperwork. Medical Assistants cannot (at least we don't allow them to at our practice). Most of the time if I leave a message I tell the patient to call me back. I don...
by jwblue
Mon May 19, 2014 5:30 pm
 
Forum: Personal Consumer Issues
Topic: HIPAA law and release of test results over phone by doctor
Replies: 14
Views: 1011

HIPAA law and release of test results over phone by doctor

This is a question that maybe only a physician can answer. I called my doctor's office in order to receive my blood test results. I spoke to the orthopedist's ortho assistant. He said he could not give my blood test results over the phone and that only the doctor could do this. He said I should sche...
by jwblue
Mon May 19, 2014 5:13 pm
 
Forum: Personal Consumer Issues
Topic: HIPAA law and release of test results over phone by doctor
Replies: 14
Views: 1011

Re: What is the best brand of 3 ton air conditioner & furnac

2. If possible choose the high efficiency furnace with variable speed fan motor. This will make inside temperature more stable, resulting in a noticeable improvement on comfortability. Another benefit is that a mid/lower end AC working with variable speed blower could increase its efficiency. For e...
by jwblue
Mon May 19, 2014 1:33 pm
 
Forum: Personal Consumer Issues
Topic: What is the best brand of 3 ton air conditioner & furnace?
Replies: 46
Views: 2837

Re: Should we have new ducts installed with our new a/c?

This is the reply I received on another forum. If you have existing metal round ducts then I would keep them and reseal and re-insulate them if needed. They are far superior to flex ducts for air flow, longevity, and leakage. As far as damage goes unless you have to tear out walls there shouldn't be...
by jwblue
Mon May 19, 2014 12:54 pm
 
Forum: Personal Consumer Issues
Topic: Should we have new ducts installed with our new a/c?
Replies: 19
Views: 1150

Re: Should we have new ducts installed with our new a/c?

As a new homeowner with a house built in the 70's I'd be curious to hear the answer to this question. I've never heard of ducts needing to get replaced. It is also my understanding that flex duct is less efficient than rigid duct. Is there something prompting you to consider this? The HVAC installe...
by jwblue
Mon May 19, 2014 12:51 pm
 
Forum: Personal Consumer Issues
Topic: Should we have new ducts installed with our new a/c?
Replies: 19
Views: 1150

Should we have new ducts installed with our new a/c?

Our home was built in 1982. We are purchasing a new air conditioning unit.

Should we install new ducts? They will be R6 flexible ducts.

Will there need to be any damage done to our home to replace the old ducts?

Would there be any money saved by installing new ducts?
by jwblue
Mon May 19, 2014 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Should we have new ducts installed with our new a/c?
Replies: 19
Views: 1150

Re: What is the best brand of 3 ton air conditioner & furnac

Is it worth the money to install a high efficiency unit?

We live in the San Diego area. We would use the air conditioner about 5 months out of the year.
by jwblue
Mon May 19, 2014 12:36 pm
 
Forum: Personal Consumer Issues
Topic: What is the best brand of 3 ton air conditioner & furnace?
Replies: 46
Views: 2837

Re: Is heavy insider buying always a positive sign for a sto

Waba wrote:Here is a nice further summary of recent studies: http://www.uni-ulm.de/fileadmin/website ... rators.pdf


Good article.
by jwblue
Sat May 17, 2014 10:13 am
 
Forum: Investing - Theory, News & General
Topic: Is heavy insider buying always a positive sign for a stock?
Replies: 19
Views: 1223

Re: Is heavy insider buying always a positive sign for a sto

As a cautionary tale, my only personal experience did not end well. I was an “insider” at Tyco, Int. back in the late 90’s. The company was the darling of Wall Street, and employees from the factory floor to the CEO were buying stock as fast as they could get it. Including me. I could buy a certain...
by jwblue
Fri May 16, 2014 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: Is heavy insider buying always a positive sign for a stock?
Replies: 19
Views: 1223

Is heavy insider buying always a positive sign for a stock?

I am considering investing in stock. Over the past two weeks there has been heavy insider buying. Is this always a good sign? Logic tells me it is but it is a high risk technology stock so I do not know if there could be some sort of manipulation. The stock was under $1.00 a few months ago. Filing D...
by jwblue
Fri May 16, 2014 10:59 am
 
Forum: Investing - Theory, News & General
Topic: Is heavy insider buying always a positive sign for a stock?
Replies: 19
Views: 1223

Running a washing machine without water

By mistake I turned on the washing machine without turning on the water valves. It ran for about 10 minutes. Maybe longer. I do not recall what cycle it reached.

Is there likely damage? Should I call a technician before running it again?
by jwblue
Fri May 16, 2014 12:12 am
 
Forum: Personal Consumer Issues
Topic: Running a washing machine without water
Replies: 1
Views: 492

Re: What is the best brand of 3 ton air conditioner & furnac

I have read good things about Trane.

Has anyone hear had experience with them?
by jwblue
Thu May 15, 2014 10:59 pm
 
Forum: Personal Consumer Issues
Topic: What is the best brand of 3 ton air conditioner & furnace?
Replies: 46
Views: 2837

Re: What is the best brand of 3 ton air conditioner & furnac

Is it me or does that seem like a lot of cooling capacity for a really small home?! Did the contractor perform a manual J computation (measured all rooms, doors and windows etc.) to calculate the cooling/heating load for the home? If he just performed a "rule of thumb" calculation based o...
by jwblue
Thu May 15, 2014 10:42 pm
 
Forum: Personal Consumer Issues
Topic: What is the best brand of 3 ton air conditioner & furnace?
Replies: 46
Views: 2837

What is the best brand of 3 ton air conditioner & furnace?

We received an estimate from a contractor to install a new air conditioner unit and furnace. He talked up Amanas as if they were clearly the best. He was convincing. It was the only brand he installs. I went online and read reviews for the Amana air conditioners and they were poor. Which is the most...
by jwblue
Thu May 15, 2014 7:53 pm
 
Forum: Personal Consumer Issues
Topic: What is the best brand of 3 ton air conditioner & furnace?
Replies: 46
Views: 2837

Significant error in investment account

I am trying to reconcile $5K in my investment account. It seems it is an error.

However, I am a firm believer that these type of mistakes rarely occur.

Has anyone ever found this type of error in their investment account?

I am going to contact my brokerage.
by jwblue
Thu Apr 17, 2014 3:50 pm
 
Forum: Investing - Theory, News & General
Topic: Significant error in investment account
Replies: 3
Views: 799

Re: Taxes: Changing Social Security number on tax form in Ap

You are not Vanguard, so I wouldn't worry. Besides, if you get things corrected by the broker, you aren't going to issue a 1099. Plus, there is an automatic 30 day extension as I read. For fun, look up what the penalty is for filing your 1099 late with the IRS. It might be $1.98 or $2 million, I do...
by jwblue
Sat Apr 05, 2014 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxes: Changing Social Security number on tax form in April
Replies: 9
Views: 341

Re: Changing Social Security number on tax form in April

The easiest thing to do would be to change the SSN on the account now. But I wonder if it is too late. Here is what I would do under the circumstances. Both of you file for extensions until October, paying the taxes due now. Ask for the SSN correction and a corrected 1099 from the brokerage. It sho...
by jwblue
Sat Apr 05, 2014 1:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxes: Changing Social Security number on tax form in April
Replies: 9
Views: 341

Re: Changing Social Security number on tax form in April

Note that my answer doesn't really answer your question because it assumes both of you know your own SSNs. Since you put your number next to her name, then it doesn't really apply, although I think I would just fake it. Who actually got the 1099? I don't see it in your OP. Appreciate the response. ...
by jwblue
Sat Apr 05, 2014 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxes: Changing Social Security number on tax form in April
Replies: 9
Views: 341

Taxes: Changing Social Security number on tax form in April

I own an investment account in Joint Tenancy with my sister. My SSN is on the account. This was a mistake. We should have put her SSN. My sister paid all the money into the account. If she claims all the dividends earned in the account on her return she would pay zero taxes. If I claim half as Joint...
by jwblue
Sat Apr 05, 2014 12:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxes: Changing Social Security number on tax form in April
Replies: 9
Views: 341

Re: Taxes: Claiming a dependent that receives Social Securit

Do you not believe the IRS? Person's own funds not used for support. A person's own funds are not support unless they are actually spent for support. Example. Your mother received $2,400 in social security benefits and $300 in interest. She paid $2,000 for lodging and $400 for recre­ ation. She put...
by jwblue
Sat Apr 05, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxes: Claiming a dependent that receives Social Security
Replies: 2
Views: 201

Taxes: Claiming a dependent that receives Social Security

I have an elderly sister that lives with me. Can I claim her as a dependent if her Social Security payments are more than half of her support? She pays some of her Social Security for food and secondary health insurance premiums. She saves the rest. I am finding conflicting information online. I rea...
by jwblue
Sat Apr 05, 2014 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxes: Claiming a dependent that receives Social Security
Replies: 2
Views: 201

It it a good investment to repair a leaking faucet?

My mother lives in another state an has a kitchen faucet that is leaking. She will need to hire someone to fix it. It is a single handle and leaking from under the handle. It is also requires more effort than in the past to lift the handle to turn on the faucet. Would it be worth the money to hire a...
by jwblue
Wed Feb 19, 2014 8:32 pm
 
Forum: Personal Consumer Issues
Topic: It it a good investment to repair a leaking faucet?
Replies: 9
Views: 837

What are reliable refrigerator brands these days?

Has anyone done refrigerator shopping lately?

Looking for a side by side without a water dispenser.

What about an Electrolux?

Haier?
by jwblue
Sun Feb 16, 2014 11:03 pm
 
Forum: Personal Consumer Issues
Topic: What are reliable refrigerator brands these days?
Replies: 51
Views: 9333

Re: Buying a new car vs leasing

There isn't really a debate.

The only reason to lease a vehicle is to get the latest and greatest in a car every 2 years. It will cost more money in the long run.

Otherwise, buy and hold until repairs are are too high versus monthly payments of a new vehicle.
by jwblue
Mon Dec 16, 2013 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Buying a new car vs leasing
Replies: 61
Views: 6185

Where can I find charts for international stocks?

Where I can add more than one moving average?
by jwblue
Thu Dec 05, 2013 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: Where can I find charts for international stocks?
Replies: 0
Views: 115

Re: How do multimillionaires have their money insured?

I guess the short answer is that you do not have any "money" in your brokerage accounts. You hold shares of securities. If you do not have a margin account then those shares never get lent out, never leave your account. Thus there is really no need to insure them. The broker is just holdi...
by jwblue
Wed Dec 04, 2013 1:22 pm
 
Forum: Investing - Theory, News & General
Topic: How do multimillionaires have their money insured?
Replies: 10
Views: 2132

How do multimillionaires have their money insured?

How do multimillionaires have their money insured?

I believe brokerage accounts have SIPC insurance up to a $500K value.
by jwblue
Wed Dec 04, 2013 12:52 pm
 
Forum: Investing - Theory, News & General
Topic: How do multimillionaires have their money insured?
Replies: 10
Views: 2132

Is this a bad time to buy a bond fund?

In the near future I want to begin a Boglehead Three Fund Portfolio. However, does the fact that interest rates are all but certain to rise in the near future mean it is unwise to buy a bond fund right now? What could be an alternative? Could I take the money that I was going to put in the bond fund...
by jwblue
Thu Nov 28, 2013 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: Is this a bad time to buy a bond fund?
Replies: 15
Views: 1665

Short squeeze: Plan of action needed

I am investing in a stock overseas. There is talk of a short squeeze in the near future.

I want to be prepared.

When do I sell?

Does the share price always come back a certain percentage from the high?
by jwblue
Mon Nov 11, 2013 9:55 pm
 
Forum: Investing - Theory, News & General
Topic: Short squeeze: Plan of action needed
Replies: 4
Views: 734

Taxes: Share sales (LT vs ST gain and cost)

For this question, the assumption is that today's date is 12.22.13. I bought shares in a stock 3 times in the past year. If sell 1500 shares would part of the sale be considered long term and part short term capital gain? For determining the share cost can I choose between FIFO and average cost? If ...
by jwblue
Wed Oct 23, 2013 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxes: Share sales (LT vs ST gain and cost)
Replies: 2
Views: 209

Re: Credit card information continues to be stolen

How can these companies not have adequate security? I don't know much about pay terminal or server security, but I am surprised that companies can not combat credit card data theft. Two months ago, when my card was stolen someone bought a video game online and had it mailed to an address other than ...
by jwblue
Wed Oct 16, 2013 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Credit card information continues to be stolen
Replies: 39
Views: 3793

Credit card information continues to be stolen

My credit card information for both AMEX and Chase is continually being stolen. It is happening every six months now.

Admittedly, I do use my card everywhere instead of cash. Is the only thing I can do is stop using my card so often?
by jwblue
Wed Oct 16, 2013 11:31 am
 
Forum: Personal Consumer Issues
Topic: Credit card information continues to be stolen
Replies: 39
Views: 3793

Re: Is a reverse stock split the beginning of the end?

Klein et al wrote a paper examining reverse splits and if it was a viable strategy to short those companies partaking of such http://www.efmaefm.org/efma2006/papers/568563_full.pdf "We examine 1,612 reverse splits from 1962 through 2001 and find a long-run return underperformance for firms beg...
by jwblue
Thu Sep 26, 2013 9:05 pm
 
Forum: Investing - Theory, News & General
Topic: Is a reverse stock split the beginning of the end?
Replies: 10
Views: 1082

Is a reverse stock split the beginning of the end?

It seems there are too many negatives associated with a reverse stock split.

Is it generally the beginning of the end for a company.
by jwblue
Thu Sep 26, 2013 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: Is a reverse stock split the beginning of the end?
Replies: 10
Views: 1082

Re: New 2014 Jeep Wrangler Ordered!

Congratulations.

It is always exciting for me when I buy a new vehicle.
by jwblue
Wed Sep 25, 2013 10:24 pm
 
Forum: Personal Consumer Issues
Topic: New 2014 Jeep Wrangler Ordered!
Replies: 7
Views: 1841

Elliott Wave Theory

I read somewhere that this discipline can be profitable.

Has anyone on this board heard of it or known anyone that had success with it?

The discipline shepwave.com uses is based on it.

http://www.shepwave.com/
by jwblue
Wed Sep 25, 2013 3:50 pm
 
Forum: Investing - Theory, News & General
Topic: Elliott Wave Theory
Replies: 11
Views: 1529

Earnings announcement dates

A company whose stock I was interested in had an earnings announcement date of 09.26.1. On 09.16.13, the company announced sales numbers which were good causing the stock to rise. After the rise, I decided to not buy the stock. How often does a company release financial data for a quarter before the...
by jwblue
Mon Sep 23, 2013 1:28 pm
 
Forum: Investing - Theory, News & General
Topic: Earnings announcement dates
Replies: 2
Views: 330

Share Buybacks Vs. Dividends: Which Is More Beneficial?

The assumption is that the cash flow of a dividend is not needed.

I have read compelling arguments for both.

I am not sure if this is a valid point, but if the share buyback is at a time when shares are overvalued, then a dividend might be better.
by jwblue
Thu Sep 19, 2013 2:25 am
 
Forum: Investing - Theory, News & General
Topic: Share Buybacks Vs. Dividends: Which Is More Beneficial?
Replies: 28
Views: 1856

Re: Does foreign currency provide any type of diversificatio

With the Fed announcement, my USD balance is now $5,091 after beginning with 5K last Friday.
by jwblue
Wed Sep 18, 2013 2:52 pm
 
Forum: Investing - Theory, News & General
Topic: Does foreign currency provide any type of diversification?
Replies: 21
Views: 1729

Re: Does foreign currency provide any type of diversificatio

I don't know if this is validation for foreign currency providing diversification.

On Friday, I converted $5,000 USD to SEK.

Even though the entire balance in my account is in SEK, the balance is also shown in USD.

Immediately after the trade, the balance was $4,960.

The balance today is $5,026.
by jwblue
Tue Sep 17, 2013 9:08 pm
 
Forum: Investing - Theory, News & General
Topic: Does foreign currency provide any type of diversification?
Replies: 21
Views: 1729

Brokerages offer same bond for different prices and yields

I thought all that is fixed no matter the brokerage.

The minimum are different as well.

Does it pay to shop around for the same bond?
by jwblue
Fri Sep 13, 2013 12:02 pm
 
Forum: Investing - Theory, News & General
Topic: Brokerages offer same bond for different prices and yields
Replies: 3
Views: 333

Are municipical utility revenue bonds extremely safe?

A lot of them are for water projects.

These bonds offer good interest rates and would seem safe since everyone uses water.

Is default unlikely?
by jwblue
Fri Sep 13, 2013 11:50 am
 
Forum: Investing - Theory, News & General
Topic: Are municipical utility revenue bonds extremely safe?
Replies: 8
Views: 636

Does foreign currency provide any type of diversification?

Do stocks in a foreign currency or foreign currency itself provide any type of diversification in a portfolio?
by jwblue
Mon Sep 09, 2013 4:35 pm
 
Forum: Investing - Theory, News & General
Topic: Does foreign currency provide any type of diversification?
Replies: 21
Views: 1729

Re: ADR dividend payments and ADR fees

It's pretty clear OP is taking about custody fees. ADR custody fees are deductible on Schedule A but only to the extent that your "Job Expenses and Certain Miscellaneous Deductions" exceed 2% of AGI. Yup. Frustrating. Fidelity told me that the dividends are paid net the custody fees, but ...
by jwblue
Thu Sep 05, 2013 6:33 pm
 
Forum: Investing - Theory, News & General
Topic: ADR dividend payments and ADR fees
Replies: 5
Views: 580

ADR dividend payments and ADR fees

This is a question for anyone that has owned an ADR with a dividend. I have a question about ADR (American Depository Receipt) fees. It is my understanding ADR fees are deducted from the dividend payments. Does an investor receive the dividend payment net the ADR fee (i.e. with the ADR fee already d...
by jwblue
Thu Sep 05, 2013 11:18 am
 
Forum: Investing - Theory, News & General
Topic: ADR dividend payments and ADR fees
Replies: 5
Views: 580

Re: Math question related to investing

Customer service is abysmal these days.

So is every 100 points 1%?

So if the fee is 20 basis points, is the fee .2%?
by jwblue
Wed Sep 04, 2013 6:14 pm
 
Forum: Investing - Theory, News & General
Topic: Math question related to investing [Basis Points]
Replies: 8
Views: 613

Math question related to investing [Basis Points]

I contacted Fidelity about this numerous times and was not able to get an answer.

I want to convert USD into SEK. Fidelity charges 100 bp (basis points) as the fee.

If the current exchange rate is 1 SEK = $.15, what will the exchange fee be if I convert $5,000.
by jwblue
Wed Sep 04, 2013 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: Math question related to investing [Basis Points]
Replies: 8
Views: 613
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