Search found 816 matches

by Jags4186
Tue Apr 25, 2017 6:26 am
Forum: Personal Consumer Issues
Topic: New job and offer - recruiter sent a wrong $$
Replies: 30
Views: 2967

Re: New job and offer - recruiter sent a wrong $$

Also, let's keep this in perspective. If you were promised $220k and got an offer for $200k and really want the job...well there aren't that many $200k jobs. $20k likely isn't going to make a huge difference in your life. If it was a $70k offer that turned into $50k, I won't say those jobs are dime...
by Jags4186
Tue Apr 25, 2017 6:17 am
Forum: Personal Consumer Issues
Topic: New job and offer - recruiter sent a wrong $$
Replies: 30
Views: 2967

Re: New job and offer - recruiter sent a wrong $$

Also, let's keep this in perspective. If you were promised $220k and got an offer for $200k and really want the job...well there aren't that many $200k jobs. $20k likely isn't going to make a huge difference in your life. If it was a $70k offer that turned into $50k, I won't say those jobs are dime ...
by Jags4186
Mon Apr 24, 2017 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Checking Account - Fidelity CMA vs. Schwab?
Replies: 29
Views: 1371

Re: Joint Checking Account - Fidelity CMA vs. Schwab?

Schwab is a bank. Fidelity sends your money to BNY Mellon.
by Jags4186
Mon Apr 24, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: Somebody hit my car in a parking lot
Replies: 11
Views: 1464

Re: Somebody hit my car in a parking lot

Hi~ Sigh~ It's a new leased Mercedes and somebody hit my car and ran away in a parking lot. I've looked into the CCTV but the quality was too bad. Some of bodyshops quoted me around $900. I've recently moved my insurance to Ameriprise and the comprehensive deductible is $250. It is not that bad but...
by Jags4186
Mon Apr 24, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 112
Views: 3664

Re: Will cars be autonomous in three years?

IMO autonomous cars are more like 50-100 years off, if ever. I believe autonomous cars will only ever become a thing if and only if every single car, truck, and motorcycle on the road is autonomous.
by Jags4186
Mon Apr 24, 2017 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: SPY vs. VTI vs. VOO
Replies: 10
Views: 548

Re: SPY vs. VTI vs. VOO

Hi Bogleheads, Made my first Roth IRA contribution for 2016 a week ago and looking for where to park my money? Of those three, which ones are suggested and should I use all $5500 on one or split? Also, does anyone ever use individual stocks in Roth? Thanks all! SPY and VOO are basically the same th...
by Jags4186
Sun Apr 23, 2017 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: how much house can we afford? Boston area.
Replies: 50
Views: 2873

Re: how much house can we afford? Boston area.

Assuming down payment of 20%, I'd go no more than base salary x 2 = mortgage debt. These types of housing ratios don't work in HCOL areas. Not sure I understand. Do people in HCOLs not save for retirement, vacation, have unexpected emergencies, kids, etc? Perhaps the correct conclusion is that the ...
by Jags4186
Sun Apr 23, 2017 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: how much house can we afford? Boston area.
Replies: 50
Views: 2873

Re: how much house can we afford? Boston area.

Ignore advice like X multiple of salary for mortgage amount. Two homes depending on location can have vastly different carrying expenses. A $500k home in South Carolina will have substantially lower property taxes than a $500k home in the metro Boston area. Take your take home income, subtract out a...
by Jags4186
Sun Apr 23, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% unlimited Cash back Card - Weird...
Replies: 17
Views: 1707

Re: USAA 2.5% unlimited Cash back Card - Weird...

I have no inside knowledge but it's not a USAA card it's a VISA card. Visa still has to approve it. We have similar history and I received my card within ten days. I would unfreeze your credit until approved. Visa has nothing to do with it. All Visa does is process the payments. It's USAA who is le...
by Jags4186
Sun Apr 23, 2017 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 123
Views: 11418

Re: Any regrets living a frugal life for high income/high networth individuals?

OP, take a reality check. (and I mean that in a nice way). You live probably a really really nice life style compared to almost everyone in the world. I could be wrong, but my guess is your total cash outlay over the course of a year is between $75,000 and $100,000 a year. That isn't living frugally...
by Jags4186
Fri Apr 21, 2017 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Scratched bumper cost to repair
Replies: 17
Views: 1218

Re: Scratched bumper cost to repair

A ding is going to run minimum $500. Anything that requires panels to be removed and you're looking at $1000+.

I had someone do some damage to my door. I got 3 estimates ranging from $1100-$1800. He opted to go through insurance. The end bill was over $4000.
by Jags4186
Fri Apr 21, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 64
Views: 4898

Re: Removing a tree - expensive!!!

$1850 is a lot but not out of the ordinary. My mother just took down an evergreen that was probably 60-70 ft tall for $2000. The tree was huge and in between two homes on similar lot sizes as yours.
by Jags4186
Fri Apr 21, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: HSBC Bank- Easy (???) $350 bonus
Replies: 50
Views: 7507

Re: HSBC Bank- Easy (???) $350 bonus

Just another follow up in case anyone cares...I filed a CFPB complaint today. It's been 10 weeks since I completed the requirements.
by Jags4186
Thu Apr 20, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: US Bank Travel Card 50k Points ($1k value)
Replies: 6
Views: 765

Re: US Bank Travel Card 50k Points ($1k value)

New card from US Bank to compete with Chase Sapphire Reserve and Amex Platinum. 50k point intro bonus valued at $750 and $325 annual travel bonus, $400 annual fee. Intro spend $4.5k in 90 days. Kicker is you have to have an account with them for 35 days to open. Available May 1. US Bank is not as g...
by Jags4186
Thu Apr 20, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: Should I purchase Apple Care for my new Apple Watch?
Replies: 25
Views: 1676

Re: Should I purchase Apple Care for my new Apple Watch?

No. 1 feature of the Apple Watch is the ability to ping your phone. Can't tell you how many times I've put my phone down and been unable to find it. Calling it doesn't help because it's always on vibrate. Cheers!
by Jags4186
Wed Apr 19, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Fidelity card 2% but NOT as statement credit
Replies: 27
Views: 2466

Re: Fidelity card 2% but NOT as statement credit

For those like me who have both Fidelity and Citi double cash and think of both as their 2% cards, I learned something interesting today. I had decided that instead of putting the money into my son's 529, that I would instead take advantage of the statement credit. Going through the process, indeed...
by Jags4186
Wed Apr 19, 2017 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Int. Mobile Service with T Mobile Simple Choice
Replies: 5
Views: 474

Re: Int. Mobile Service with T Mobile Simple Choice

Thank you for the feedback on T Mobile Int.. It sounds less than ideal, but workable. Last year I used an Orange plan that worked well for voice, but the data piece of the plan just was not enough GBs to do the job, and I ended up running out. The data top-up was not intuitive, plus the retail stor...
by Jags4186
Wed Apr 19, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Bill received after Estate is closed
Replies: 55
Views: 4898

Re: Bill received after Estate is closed

If you like the attorney and want to use him in the forward ask him to cut the bill and pay him.

Otherwise let him know that the estate is closed and there are no remaining assets.
by Jags4186
Wed Apr 19, 2017 2:25 pm
Forum: Personal Consumer Issues
Topic: If a doctor takes your insurance, must they accept the negotiated rate?
Replies: 62
Views: 4538

Re: If a doctor takes your insurance, must they accept the negotiated rate?

Hm. I routinely get bills from medical providers for quantities above and beyond the amount paid by the insurance company on the EOB. I have no idea whether these are legit or not, or whether they would be classified as co-insurance or co-payments. We are on a PPO and always use in-network provider...
by Jags4186
Wed Apr 19, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: If a doctor takes your insurance, must they accept the negotiated rate?
Replies: 62
Views: 4538

Re: If a doctor takes your insurance, must they accept the negotiated rate?

Well it seems like either the psychologist received back some paperwork from United or received a call based on my inquiry to
United because my wife received an unprompted email from the Dr. saying there was an overpayment and we would be receiving a credit.
by Jags4186
Wed Apr 19, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: If a doctor takes your insurance, must they accept the negotiated rate?
Replies: 62
Views: 4538

Re: If a doctor takes your insurance, must they accept the negotiated rate?

Yes and the issue is now this: I would have to send my wife to find now a 3rd doctor all over what amounts to $50 a month. A lot better than when we were paying $200 a session for her previous doctor. She called about 7 local doctors in network and this was the first one who said she was accepting n...
by Jags4186
Wed Apr 19, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: If a doctor takes your insurance, must they accept the negotiated rate?
Replies: 62
Views: 4538

Re: If a doctor takes your insurance, must they accept the negotiated rate?

Just an additional follow up...I spoke to a United and they confirmed that the doctor in network and is not allowed to charge more than the contracted rate and if she has an issue with the rate she should reach out to United. So now I'm stuck between a rock and a hard place... This is why I said to...
by Jags4186
Wed Apr 19, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: If a doctor takes your insurance, must they accept the negotiated rate?
Replies: 62
Views: 4538

Re: If a doctor takes your insurance, must they accept the negotiated rate?

Just an additional follow up...I spoke to a United and they confirmed that the doctor in network and is not allowed to charge more than the contracted rate and if she has an issue with the rate she should reach out to United.

So now I'm stuck between a rock and a hard place...
by Jags4186
Wed Apr 19, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Should I purchase Apple Care for my new Apple Watch?
Replies: 25
Views: 1676

Re: Should I purchase Apple Care for my new Apple Watch?

Buy with a Citi credit card to get 2 additional years of warranty, 3 years total. If you keep the watch 3 years then I say that was a successful tech purchase. I'm personally not going to spend $49 + $69 in the off chance I drop and break my watch. Looks like you can buy a refurbished series 2 from ...
by Jags4186
Wed Apr 19, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: If a doctor takes your insurance, must they accept the negotiated rate?
Replies: 62
Views: 4538

Re: If a doctor takes your insurance, must they accept the negotiated rate?

https://ibb.co/dWDtgQ Attached is the EOB with some "notes" written by the doctor on the image. I redacted all of the personal information. It seems she wants us to pay $25 extra than the allowed amount every session... Have you contacted your insurance company about this extra $25? Based...
by Jags4186
Wed Apr 19, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: If a doctor takes your insurance, must they accept the negotiated rate?
Replies: 62
Views: 4538

Re: If a doctor takes your insurance, must they accept the negotiated rate?

https://ibb.co/dWDtgQ

Attached is the EOB with some "notes" written by the doctor on the image. I redacted all of the personal information.

It seems she wants us to pay $25 extra than the allowed amount every session...
by Jags4186
Wed Apr 19, 2017 6:16 am
Forum: Personal Consumer Issues
Topic: If a doctor takes your insurance, must they accept the negotiated rate?
Replies: 62
Views: 4538

Re: If a doctor takes your insurance, must they accept the negotiated rate?

The issue is that I handle all of this stuff and my wife doesn't really understand a lot of it. So I have to figure it all out without being the one to actually speak to the doctor. Now that it seems out of control I have to swoop in and fix it. It's a solo practitioner psychologist so I don't know ...
by Jags4186
Tue Apr 18, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: If a doctor takes your insurance, must they accept the negotiated rate?
Replies: 62
Views: 4538

Re: If a doctor takes your insurance, must they accept the negotiated rate?

OP here with an update. Apparently we were charged $205 with the following breakdown. $50 set up fee. $155/hr rate. Wife showed the doctor an EOB which states a $75 allowed expense and the doctor said "yes $75 allowed in insurance and my rate is $155/hr". She also wouldn't provide a bill. ...
by Jags4186
Tue Apr 18, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford private school for my kids?
Replies: 67
Views: 4925

Re: Can I afford private school for my kids?

I would worry about sending kids to the place where they'd receive the best education. Morals and values are taught at home. Unless there are safety issues or if your children are floundering I would leave them at the public school.
by Jags4186
Tue Apr 18, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Cabo San Lucas ?
Replies: 13
Views: 1407

Re: Cabo San Lucas ?

My wife and I are looking to take a trip to Cabo this May. For those of you that have been there, what places/things to do that you really enjoyed ? Restaurants that have good fish tacos ? Snorkeling ? How did you get around the peninsula since we won't have a car ? Things/places to avoid ? Rent a ...
by Jags4186
Mon Apr 17, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23368

Re: Low-earners- What is your profession?

I don't know if this has been mentioned--I didn't read all 6 pages--but the median household income of $56k isn't a great stat. That includes plenty of retired folk on Social Security and people who actively try to keep their incomes low. https://www.advisorperspectives.com/images/content_image/data...
by Jags4186
Mon Apr 17, 2017 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Int. Mobile Service with T Mobile Simple Choice
Replies: 5
Views: 474

Re: Int. Mobile Service with T Mobile Simple Choice

You only get 2G speeds, 128kbps max, with their standard international roaming fair. $0.20/minute also. Plenty fine if you are just going to use it for google maps (download maps offline so you don't need to load them) and e-mail. Not very good if you plan on surfing the web on your device at all. A...
by Jags4186
Mon Apr 17, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: If a doctor takes your insurance, must they accept the negotiated rate?
Replies: 62
Views: 4538

Re: If a doctor takes your insurance, must they accept the negotiated rate?

I am somewhat familiar with doctor office billing . Can you post your actual bill (without identifying info, of course)? I would love to post the bill--I did not receive one. I found out about the charge when I received request for documentation to support a $205 charge from the doctor against my H...
by Jags4186
Mon Apr 17, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: If a doctor takes your insurance, must they accept the negotiated rate?
Replies: 62
Views: 4538

Re: If a doctor takes your insurance, must they accept the negotiated rate?

When my wife goes and sees this therapist again I've already told her she is going to need to refund $130, provide an itemized bill, and explain why she took money when she wasn't authorized to. My understanding is if the doctor chooses to accept insurance they must accept the negotiated rate, whic...
by Jags4186
Mon Apr 17, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: If a doctor takes your insurance, must they accept the negotiated rate?
Replies: 62
Views: 4538

If a doctor takes your insurance, must they accept the negotiated rate?

I am on a HDHP that is structured as follows: $4000 individual/family deductible $4001-$8000 is 20% coinsurance $8001+ is 100% covered My employer is nice enough to provide us $4000 in an Health Reimbursement Account (HRA) to cover our deductible. This takes the form of a Visa Debit Card. We have to...
by Jags4186
Sun Apr 16, 2017 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Why invest in International Index Fund?
Replies: 38
Views: 3120

Re: Why invest in International Index Fund?

Because the past doesn't always repeat itself in the future. The next 20 years could show a 9.49% return for Int'l and a 4.51% return for US.
by Jags4186
Fri Apr 14, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Quick Help - Your traditional IRA contributions are disallowed due to your AGI...
Replies: 18
Views: 1030

Re: Quick Help - Your traditional IRA contributions are disallowed due to your AGI...

You can contribute to a traditional IRA with any income. You can't deduct at your level of income unless both spouses have no retirement plan at work.
by Jags4186
Fri Apr 14, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Dealership rejecting rebate after contract signed
Replies: 82
Views: 6461

Re: Dealership rejecting rebate after contract signed

I would just add that if you choose to lease (and there are times it is actually worth leasing) always....ALWAYS have every single fee, deposit, etc. etc. wrapped into the payment. The only thing you should be paying when you pick up the car is the first months car payment. It's easy to say "r...
by Jags4186
Fri Apr 14, 2017 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Dealership rejecting rebate after contract signed
Replies: 82
Views: 6461

Re: Dealership rejecting rebate after contract signed

I would just add that if you choose to lease (and there are times it is actually worth leasing) always....ALWAYS have every single fee, deposit, etc. etc. wrapped into the payment. The only thing you should be paying when you pick up the car is the first months car payment. It's easy to say "re...
by Jags4186
Thu Apr 13, 2017 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with 75k vacation fund
Replies: 10
Views: 1286

Re: What to do with 75k vacation fund

You don't need a separate $75k vacation fund. Just lump it in with everything and when you want to go on vacation, go on vacation. Thanks Jags. I guess that's what I'm proposing. I just don't know what that everything else is??? We have maxed out 401ks, Roths, etc. I have the emergency fund, that's...
by Jags4186
Thu Apr 13, 2017 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with 75k vacation fund
Replies: 10
Views: 1286

Re: What to do with 75k vacation fund

You don't need a separate $75k vacation fund. Just lump it in with everything and when you want to go on vacation, go on vacation.
by Jags4186
Wed Apr 12, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Legality of renters posting reviews of a condominium complex?
Replies: 82
Views: 3424

Re: Legality of renters posting reviews of a condominium complex?

I think it's hilarious the the OP is basically a partner in a slumlord operation and is annoyed that the tenants are calling the collective owners out on it. OP, not trying to be a jerk, but the reality is if you own cheap rental units that are in poor condition in a poorly maintained building you w...
by Jags4186
Tue Apr 11, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: HSBC Bank- Easy (???) $350 bonus
Replies: 50
Views: 7507

Re: HSBC Bank- Easy (???) $350 bonus

To anyone who happened to open this account...I'm STILL waiting for my bonus *sigh* You may need to e-mail them. I *think* this was the account I had to e-mail to get the bonus. I received it about four months in. Now, I'm just waiting for six months to hit so I can close it. -Steph I did do a chat...
by Jags4186
Tue Apr 11, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for first time homebuyer (a friend)
Replies: 25
Views: 2334

Re: Advice for first time homebuyer (a friend)

Never take on a mortgage that exceeds twice your gross income after down payment. And this generalization holds true regardless of whether interest rates are 4% or 20%, and regardless of the cost of renting? Awful generalization spouted all too often around here. Start with your income at the top o...
by Jags4186
Mon Apr 10, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: HSBC Bank- Easy (???) $350 bonus
Replies: 50
Views: 7507

Re: HSBC Bank- Easy (???) $350 bonus

To anyone who happened to open this account...I'm STILL waiting for my bonus *sigh*
by Jags4186
Mon Apr 10, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: pay of credit cards with savings
Replies: 10
Views: 633

Re: pay of credit cards with savings

You may also want to consider the larger problem of you thinking you have $6000 a month in excess yet only have $14,000 available to pay on a $10,000 credit card bill. Where did every other month's $6000 go? Why do you need $10,000 from savings if you have $6000 excess? Shouldn't you only need $4000...
by Jags4186
Sun Apr 09, 2017 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Monthly DCA versus quarterly DCA?
Replies: 10
Views: 1542

Re: Monthly DCA versus quarterly DCA?

People need to clarify whether they mean dollar cost averaging or periodic investing. DCA assumes you have a big lump sum of cash and you're going to split it up into 12, 24, etc. chunks to buy in. Periodic investing is investing new money as it comes available to you. If you're referring to Periodi...
by Jags4186
Sun Apr 09, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: Using my local bank ATM chip card for Euros
Replies: 15
Views: 728

Re: Using my local bank ATM chip card for Euros

IMO anyone who travels internationally needs a Charles Schwab investor checking account. No ATM fees, worldwide ATM fees reimbursed. Don't use your regular ATM card overseas if it gets skimmed or stolen your personal checking account is at risk (I know it's protected but the hassle factor is huge). ...
by Jags4186
Sun Apr 09, 2017 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Spending beyond my means, I think..is my budget out of whack?
Replies: 81
Views: 8207

Re: Spending beyond my means, I think..is my budget out of whack?

:oops: How many times can we explain this...Pre School is not day care. Daycare is babysitting. Typically 40 he a week so the parents can work. Kids of any age. Preschool is an actual school with trained teachers and set curriculum. No they don't teach reading and algebra... But they do teach socia...
by Jags4186
Fri Apr 07, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding shafting my local merchants with card fees
Replies: 42
Views: 4027

Re: Avoiding shafting my local merchants with card fees

I always assume the "cash discount" is code for "we'll give you a discount because I'm putting this in my pocket and not paying taxes on it." If the cash discount is less than the rewards I'd earn from the CC, I'm paying with a CC. Businesses take credit cards because it's good f...

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