Search found 1243 matches

by *3!4!/5!
Fri Aug 04, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: Incorrect medical billing sent to collection. What should I do?
Replies: 20
Views: 1201

Re: Incorrect medical billing sent to collection. What should I do?

I could be mistaken, but I thought that because medical billing fraud is so rampant and pervasive, it will no longer be part of credit reports. I know some of the credit reports and/ or credit agencies no longer penalize low outstanding medical bills. This is NOT because of "medical billing fraud"....
by *3!4!/5!
Fri Aug 04, 2017 7:18 pm
Forum: Personal Consumer Issues
Topic: Incorrect medical billing sent to collection. What should I do?
Replies: 20
Views: 1201

Re: Incorrect medical billing sent to collection. What should I do?

OP, you can try calling the medical billing office to see if they will completely undo the damage. But you can be absolutely certain it was not an innocent mistake, so you should never trust them. Otherwise try this forum. https://creditboards.com/forums/index.php?&showforum=39 They will know how to...
by *3!4!/5!
Fri Aug 04, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: Incorrect medical billing sent to collection. What should I do?
Replies: 20
Views: 1201

Re: Incorrect medical billing sent to collection. What should I do?

I could be mistaken, but I thought that because medical billing fraud is so rampant and pervasive, it will no longer be part of credit reports. I know some of the credit reports and/ or credit agencies no longer penalize low outstanding medical bills. This is NOT because of "medical billing fraud"....
by *3!4!/5!
Fri Aug 04, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: Incorrect medical billing sent to collection. What should I do?
Replies: 20
Views: 1201

Re: Incorrect medical billing sent to collection. What should I do?

I could be mistaken, but I thought that because medical billing fraud is so rampant and pervasive, it will no longer be part of credit reports.
by *3!4!/5!
Thu Aug 03, 2017 1:54 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 512
Views: 74086

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Did you open the account from the link on the offer page? Normally those automatically code the account for the offer. I did use the link from their website directly. However, it is possible that it takes several hours for the code to attach to the account. I chatted with them immediately since I c...
by *3!4!/5!
Thu Aug 03, 2017 8:44 am
Forum: Investing - Theory, News & General
Topic: Wells Fargo - what the kittens?
Replies: 36
Views: 2718

Re: Wells Fargo - what the kittens?

Tamalak wrote:I've banked with Wells Fargo since their inception ...
Okay, you made me look.
en.wikipedia.org/wiki/List_of_oldest_banks_in_continuous_operation
by *3!4!/5!
Thu Aug 03, 2017 8:27 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 512
Views: 74086

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

In an effort to get bonuses, I opened an account with etrade today. However, my experience so far is negative. During the account opening process, I was ask to set up an external account. I set up my checking account. Afterwards, I decided to add my online savings account. It says for new customer,...
by *3!4!/5!
Thu Aug 03, 2017 6:29 am
Forum: Investing - Theory, News & General
Topic: Wells Fargo - what the kittens?
Replies: 36
Views: 2718

Re: Wells Fargo - what the kittens?

Why would this thread be locked, it is not political and it is actionable. The action is clearly stated. I just reread the posting guidelines and forbidden topics, I clearly must be missing something. Maybe it would have been better under Personal Consumer issues. What am I missing? I once started ...
by *3!4!/5!
Wed Aug 02, 2017 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Any issues with rollovers from Fidelity to Vanguard?
Replies: 19
Views: 1302

Re: Any issues with rollovers from Fidelity to Vanguard?

^^ To me the big issue is when leaving a 401k (or 401a, 403b, 457b etc) are you forced to go to cash, or can you transfer in kind. I started a thread about this here. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=214709 One suggestion seems to be to move to an IRA in the same company (th...
by *3!4!/5!
Wed Aug 02, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 157
Views: 22560

Re: Best HSA (2017)

I looked at both HSA Authority and SelectAccount (went for the latter, due to wanting a specific fund). Both are investor friendly, low cost, (unlike Health Savings Administrator and HealthEquity which have big wrap fees), with some Vanguard funds. You do not have to keep $1,000 uninvested, as you ...
by *3!4!/5!
Wed Aug 02, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 157
Views: 22560

Re: Best HSA (2017)

I am not seeing HSA Authority being discussed on this thread. I plan to be opening an account as soon as I get my next employer contribution. No fees for the bank account, and just $36 annually for the mutual fund account. The other option that looks very compelling is SelectAccount, which is $30 a...
by *3!4!/5!
Wed Aug 02, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card that lists running balance online
Replies: 17
Views: 1311

Re: Credit Card that lists running balance online

What the OP wants to see, e.g. if there are charges $5,$20,$12,$32,etc, is $5=$5 $5+$20=$25 $5+$20+$12=$37 $5+$20+$12+$32=$69 etc However I would like further clarification from the OP, as the issue is somewhat more complicated than it may first appear: What order do you want the transactions listed...
by *3!4!/5!
Wed Aug 02, 2017 3:24 am
Forum: Investing - Help with Personal Investments
Topic: Do you hold your VG mutual funds with VG Group or VG Brokerage?
Replies: 19
Views: 1278

Re: Do you hold your VG mutual funds with VG Group or VG Brokerage?

I took a quick look at the longer one but it was not really answering what I was thinking about. It listed the purported benefits as: * Hold your Vanguard mutual funds, ETFs, and other brokerage securities in the same account. * Use a simpler online process to buy and sell mutual funds and securiti...
by *3!4!/5!
Wed Aug 02, 2017 2:57 am
Forum: Investing - Help with Personal Investments
Topic: Do you hold your VG mutual funds with VG Group or VG Brokerage?
Replies: 19
Views: 1278

Re: Do you hold your VG mutual funds with VG Group or VG Brokerage?

Here's the biggest one https://www.bogleheads.org/forum/viewtopic.php?f=10&t=148317 but you will find many more from amongst this search https://www.bogleheads.org/forum/search.php?keywords=upgrade&terms=all&author=&sc=1&sf=titleonly&sr=topics&sk=t&sd=d&st=0&c...
by *3!4!/5!
Wed Aug 02, 2017 2:50 am
Forum: Investing - Help with Personal Investments
Topic: Do you hold your VG mutual funds with VG Group or VG Brokerage?
Replies: 19
Views: 1278

Re: Do you hold your VG mutual funds with VG Group or VG Brokerage?

There are a number of gigantic threads on this topic. I can't locate one just now, but perhaps you should just merge into those.
by *3!4!/5!
Wed Aug 02, 2017 1:42 am
Forum: Investing - Theory, News & General
Topic: What am I missing? [Ultra-short bond vs Prime MM]
Replies: 50
Views: 5566

Re: What am I missing? [Ultra-short bond vs Prime MM]

Did you check out the previous thread?
by *3!4!/5!
Wed Aug 02, 2017 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card that lists running balance online
Replies: 17
Views: 1311

Re: Credit Card that lists running balance online

What order do you want the transactions listed in? You might initiate the transactions in some chronological order, but the chronological order the merchants submit them might be different, and the chronological order of processing might be different still. Do you want the running totals with respec...
by *3!4!/5!
Tue Aug 01, 2017 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Any issues with rollovers from Fidelity to Vanguard?
Replies: 19
Views: 1302

Re: Any issues with rollovers from Fidelity to Vanguard?

The number one danger in any transfer is being forced to cash, and being out of the market. Transfer in kind whenever possible, but I realize sometimes it's just not possible, in which case you want to minimize time out, maybe break into smaller chunks, and try to forsee any screwups before they ha...
by *3!4!/5!
Tue Aug 01, 2017 2:06 pm
Forum: Investing - Theory, News & General
Topic: What am I missing? [Ultra-short bond vs Prime MM]
Replies: 50
Views: 5566

Re: What am I missing? [Ultra-short bond vs Prime MM]

There is already extensive discussion on this fund here https://www.bogleheads.org/forum/viewtopic.php?f=10&t=157969 originally started with the 2015 fund launch, but the the 2017 conversation (basically same as this thread) starts here https://www.bogleheads.org/forum/viewtopic.php?f=10&t=1...
by *3!4!/5!
Tue Aug 01, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 7938

Re: Should you wait until the due date to pay credit card balance?

^ If you don't like the dates on your monthly cycle, you can very easily change them to something more convenient (with almost all, not all, card issuers). There's no need to go through contortious payment schemes just to work around inconvenient dates. Also, no matter what (regardless of how you pa...
by *3!4!/5!
Tue Aug 01, 2017 4:25 am
Forum: Investing - Help with Personal Investments
Topic: Any issues with rollovers from Fidelity to Vanguard?
Replies: 19
Views: 1302

Re: Any issues with rollovers from Fidelity to Vanguard?

I had Fidelity mess up a transfer from TIAA to Fidelity, so I have less confidence in them than many here (and it involved being forced to cash, so being out of the market is the big issue). The number one danger in any transfer is being forced to cash, and being out of the market. Transfer in kind ...
by *3!4!/5!
Tue Aug 01, 2017 12:33 am
Forum: Investing - Theory, News & General
Topic: Has the "bond bubble" caused you to change your allocation?
Replies: 90
Views: 8955

Re: Has the "bond bubble" caused you to change your allocation?

FWIW my small fixed income allocation is a cash-junk barbell (I was previously using ST Corps).
by *3!4!/5!
Tue Aug 01, 2017 12:31 am
Forum: Investing - Theory, News & General
Topic: Has the "bond bubble" caused you to change your allocation?
Replies: 90
Views: 8955

Re: Has the "bond bubble" caused you to change your allocation?

Also, mods, please don't merge this interesting thread with any other threads quoting that article, since this thread is not about that article.
by *3!4!/5!
Tue Aug 01, 2017 12:27 am
Forum: Investing - Theory, News & General
Topic: Has the "bond bubble" caused you to change your allocation?
Replies: 90
Views: 8955

Re: Has the "bond bubble" caused you to change your allocation?

Some time ago, I saw the Vanguard target retirement funds, and thought I'd use the glide path as a model (using the actual funds I have available in workplace retirement plans). But I haven't reduced my stock holding after all, and have kept it high. I'm holding out until bonds look better. I'm also...
by *3!4!/5!
Mon Jul 31, 2017 11:07 pm
Forum: Personal Consumer Issues
Topic: Why is everything done with a mouse?
Replies: 49
Views: 4939

Re: Why is everything done with a mouse?

Voice recognition is the future. You see it in things like digital assistants (Siri, Cortana) and Amazon Alexa. Shades of the original Star Trek: "Computer,..." No that's a nightmare. Talking is for communicating with humans. I never want to have to communicate with an electronic device t...
by *3!4!/5!
Mon Jul 31, 2017 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Credit recommendations from Credit Karma?
Replies: 7
Views: 639

Re: Credit recommendations from Credit Karma?

Hello, Last week I opened an account with Credit Karma and something that caught my attention is how Credit Karma gives probabilities for getting approved for various credit cards. Does anyone have feedback on how accurate these assessments are? Two cards Credit Karma said I have a "very good&...
by *3!4!/5!
Mon Jul 31, 2017 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 378
Views: 66354

Re: Bank of America/Merrill Edge - Preferred Rewards

You all might find this interesting: m BofA is coming out with a new card by the end of the year. 50k point bonus, 3.5% back on restaurants, 3.5% back on travel, 2.625% back on everything else, if it will be eligible for Preferred Rewards, which it will be according to the article. $100 annual trav...
by *3!4!/5!
Mon Jul 31, 2017 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 7938

Re: Should you wait until the due date to pay credit card balance?

@DaftInvestor Why don't you at least try to understand the several explanations that have already been made? It's your choice what to do, but at least it would help you to understand some credit card basics. For each credit card, do you actually know the statement close date, and payment due date? T...
by *3!4!/5!
Mon Jul 31, 2017 6:44 am
Forum: Investing - Theory, News & General
Topic: "Why Don’t Vanguard’s Target Retirement and LifeStrategy Funds Own Admiral Shares?"
Replies: 37
Views: 4366

Re: "Why Don’t Vanguard’s Target Retirement and LifeStrategy Funds Own Admiral Shares?"

At what point does it make sense to buy the Target fund components in their individual admiral form? It looks like doing that for a couple of my IRA's would save a few hundred dollars in expenses annually. I think the discussion centers around workplace retirement plans, where people simply don't h...
by *3!4!/5!
Mon Jul 31, 2017 6:17 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 378
Views: 66354

Re: Bank of America/Merrill Edge - Preferred Rewards

You all might find this interesting: m BofA is coming out with a new card by the end of the year. 50k point bonus, 3.5% back on restaurants, 3.5% back on travel, 2.625% back on everything else, if it will be eligible for Preferred Rewards, which it will be according to the article. $100 annual trav...
by *3!4!/5!
Mon Jul 31, 2017 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 378
Views: 66354

Re: Bank of America/Merrill Edge - Preferred Rewards

I just found that walmart.com is 1% not 2% (*1.75) cashback on Cash Rewards card. I had thought otherwise. Now I'm wondering what are the datapoints on samsclub.com and costco.com.
by *3!4!/5!
Mon Jul 31, 2017 5:57 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 378
Views: 66354

Re: Bank of America/Merrill Edge - Preferred Rewards

You all might find this interesting: m BofA is coming out with a new card by the end of the year. 50k point bonus, 3.5% back on restaurants, 3.5% back on travel, 2.625% back on everything else, if it will be eligible for Preferred Rewards, which it will be according to the article. $100 annual trav...
by *3!4!/5!
Sun Jul 30, 2017 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: How to transfer out of vanguard?
Replies: 29
Views: 2994

Re: How to transfer out of vanguard?

The most significant problems the OP has described cannot be solved by storming out of Vanguard in a huff. If they executed unauthorized transactions they need to correct it internally. Moving funds out will preclude any chance of correction. I'm waiting to hear clarification from the OP because I'm...
by *3!4!/5!
Sun Jul 30, 2017 7:23 pm
Forum: Personal Consumer Issues
Topic: New 2018 Honda Odyssey Problem - Need Advice
Replies: 37
Views: 3392

Re: New 2018 Honda Odyssey Problem - Need Advice

bottlecap wrote:My guess is that something is wrong with the wife, not the van.

Are you suggesting the OP tries to get a refund?
by *3!4!/5!
Sun Jul 30, 2017 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 7938

Re: Should you wait until the due date to pay credit card balance?

I think the bigger question is whether or not you're able to get interest or dividends on your money. Hopefully, all of your accounts are earning at least something (yes, I know that interest rates have been low, but money is money and what you do now will probably continue on when interest rates u...
by *3!4!/5!
Sun Jul 30, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: New 2018 Honda Odyssey Problem - Need Advice
Replies: 37
Views: 3392

Re: New 2018 Honda Odyssey Problem - Need Advice

My suggestion is to not buy a new car that you're soon going to find out you don't like soon after the deal is finalized. Do your due diligence. The reason for this advice is that it is very financially expensive to buy an unwanted new car. ETA: On the other hand, if there is an actual flaw to be fi...
by *3!4!/5!
Sun Jul 30, 2017 2:29 am
Forum: Investing - Help with Personal Investments
Topic: How to transfer out of vanguard?
Replies: 29
Views: 2994

Re: How to transfer out of vanguard?

Nope, they liquidated all of my accounts... My roth of over 180k and my other ira which was a rollover of over 100k itself... all to prime money market . This was done without a single confirmation, call, email, or postal mail. Well, for perspective, Fidelity did this precise thing to me -- despite...
by *3!4!/5!
Sun Jul 30, 2017 12:26 am
Forum: Investing - Theory, News & General
Topic: NYT Carl Richards "You’re No Coward if You’re Keeping Some Money Out of Stocks"
Replies: 42
Views: 5014

Re: NYT Carl Richards "You’re No Coward if You’re Keeping Some Money Out of Stocks"

I usually enjoy Carl Richard's The Sketch Guy. I thought this was a rare miss by him. You’re No Coward if You’re Keeping Some Money Out of Stocks I assumed it was a joke. If you want to understand Carl Richards position on risk, read this. m I remember that. It's that guy. I usually enjoy Carl Rich...
by *3!4!/5!
Sun Jul 30, 2017 12:16 am
Forum: Investing - Help with Personal Investments
Topic: How to transfer out of vanguard?
Replies: 29
Views: 2994

Re: How to transfer out of vanguard?

What's the incident? I'm sort of skeptical of your agenda, since this is your first post. Most new-timers post here for advice before proceeding. Mr Gordon, Im usually not one to go rant on a post, and feel that it does nothing to the question involved... But since everyone was curious: Since you w...
by *3!4!/5!
Sat Jul 29, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit Card Companies Do You Like?
Replies: 57
Views: 4068

Re: Which Credit Card Companies Do You Like?

^^ No I'm trying to gauge how long I should wait before trying to get another Cap1 card.
by *3!4!/5!
Sat Jul 29, 2017 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit Card Companies Do You Like?
Replies: 57
Views: 4068

Re: Which Credit Card Companies Do You Like?

^^ @Palatineman
I meant how much time had elapsed since your previous application, i.e. the one before you most recent application from which you did get a card?
by *3!4!/5!
Sat Jul 29, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit Card Companies Do You Like?
Replies: 57
Views: 4068

Re: Which Credit Card Companies Do You Like?

I pretty much have a cc with them all. I have an 840 Credit Report Score. Applied to Barclays, Wells Fargo, BOA all approved at an additional $62K with now a current limit of $172K for all my cards, due to the bonus offers. For some reason Capital One rejected my application and I already have 2 cr...
by *3!4!/5!
Sat Jul 29, 2017 9:22 pm
Forum: Investing - Theory, News & General
Topic: "Why Don’t Vanguard’s Target Retirement and LifeStrategy Funds Own Admiral Shares?"
Replies: 37
Views: 4366

Re: "Why Don’t Vanguard’s Target Retirement and LifeStrategy Funds Own Admiral Shares?"

At what point does it make sense to buy the Target fund components in their individual admiral form? It looks like doing that for a couple of my IRA's would save a few hundred dollars in expenses annually. I think the discussion centers around workplace retirement plans, where people simply don't h...
by *3!4!/5!
Sat Jul 29, 2017 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: How do you reinvest dividends in a mutual fund at E*Trade?
Replies: 13
Views: 894

Re: How do you reinvest dividends in a mutual fund at E*Trade?

[......................... I could ask them, but a forum of knowledgeable investors would usually be better than random CSRs. ................... I totally get where you're coming from re: random CSRs but I bet if you went for a majority vote (2 out of 3) by calling 3x, I bet you'd have your answer...
by *3!4!/5!
Sat Jul 29, 2017 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) Plan Detective: Where do I find the "hidden" fees?
Replies: 8
Views: 525

Re: 403(b) Plan Detective: Where do I find the "hidden" fees?

Since you have tickers, e.g. VITSX, you can use public information to figure out exactly what the price should be, you can see that your contributions (and dividend reinvestments) are buying exactly the right number of new shares, and you should see fees explicitly subtracted (and $79/yr is okay), s...
by *3!4!/5!
Sat Jul 29, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 128
Views: 8818

Re: Is Amazon Prime worth it?

Having read through the thread, I'm really curious about a number of people claiming that there's better value elsewhere. Or even, the regular locations, which I assume means brick and mortar. I know people buy different things and agree Amazon is flat out a bad place to buy some things, particular...