Search found 1249 matches

by Pajamas
Sun Apr 30, 2017 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Financial NonAdvice
Replies: 3
Views: 173

Re: Financial NonAdvice

What would you expect a financial advisor to do for you that you couldn't or wouldn't want to do for yourself?
by Pajamas
Sun Apr 30, 2017 11:03 pm
Forum: Investing - Theory, News & General
Topic: If all earnings were from long term investments
Replies: 17
Views: 356

Re: If all earnings were from long term investments

Another way to produce income tax-free is to invest in equities with a dividend that is at least partially return of capital. Eventually you will have larger capital gains to pay, but that is more manageable as far as timing and of course at your death the tax basis will be stepped up to eliminate t...
by Pajamas
Sun Apr 30, 2017 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Buying couches the Boglehead way
Replies: 11
Views: 699

Re: Buying couches the Boglehead way

It may be cheaper to have a sofa custom-made locally. You get better quality, and get to specify the exact dimensions you want, filling and density of the cushions, and all the other details. Plus you can have it covered with any kind of material that you can find if you don't like what is in stock....
by Pajamas
Sun Apr 30, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: Deceptive Billing by Dermatologist?
Replies: 32
Views: 2703

Re: Deceptive Billing by Dermatologist?

He also coded and billed for the freezing of the two lesions he deemed precancerous even though they would have / should have fallen under the flat rate cosmetic work. If the two lesions were legitimately diagnosed as precancerous, their removal was not just cosmetic, even if they turned out not to...
by Pajamas
Sun Apr 30, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Deceptive Billing by Dermatologist?
Replies: 32
Views: 2703

Re: Deceptive Billing by Dermatologist?

I would advise that you start off by calling the practice manager to enquire about this. If you don't get a satisfactory answer, speak to your insurance rep to find out; maybe the doctor is doing something technically wrong but doesn't know? Allow them to respond without threatening his ability to ...
by Pajamas
Sun Apr 30, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Buy condo now, or wait a few years and then enter CCRC?
Replies: 16
Views: 950

Re: Buy condo now, or wait a few years and then enter CCRC?

You might also consider renting in the area where you will be eventually moving into a CCRC if you want to move now but are not ready for the CCRC at this time. In some ways that might be less stressful than moving from your current home straight into the CCRC because it will give you a chance to ad...
by Pajamas
Sun Apr 30, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Looking For Advice - Move NY -> Tampa?
Replies: 45
Views: 3221

Re: Looking For Advice - Move NY -> Tampa?

"The correlation I was referring to is between taxes and the social safety net, not crime." For the most part homelessness, quality of education, and health care vary greatly within any state and also tend to be much more local than a statewide statistic. Certainly this is true for larger...
by Pajamas
Sun Apr 30, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Buy condo now, or wait a few years and then enter CCRC?
Replies: 16
Views: 950

Re: Buy condo now, or wait a few years and then enter CCRC?

Moving has a lot of frictional costs, in terms of time, effort, turmoil, and money. Moving is a very stressful life event even if it is a desired move. So you are smart to want to minimize the number of times you move. If you must move twice rather than once, renting might be a way to decrease the f...
by Pajamas
Sat Apr 29, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Co-pay health insurance- Varying costs for specific and same blood tests needed regularly?
Replies: 24
Views: 938

Re: Co-pay health insurance- Varying costs for specific and same blood tests needed regularly?

I'd be leery of going to a place that didn't require a doctor's order, unless my doctor (or other reputable research of some sort, beyond they lab itself telling me that they're great) could tell me that the lab was truly reputable. Labs are very heavily regulated. Whether or not you can get labs d...
by Pajamas
Sat Apr 29, 2017 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Co-pay health insurance- Varying costs for specific and same blood tests needed regularly?
Replies: 24
Views: 938

Re: Co-pay health insurance- Varying costs for specific and same blood tests needed regularly?

But from responses to my question, it seems that lab costs should not vary- as long as the tests are the same from lab to lab. Different labs will charge different amounts for the same test. A particular lab will even charge different amounts for the same test depending on their contracts with the ...
by Pajamas
Sat Apr 29, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Looking For Advice - Move NY -> Tampa?
Replies: 45
Views: 3221

Re: Looking For Advice - Move NY -> Tampa?

ddurrett896 wrote:
Help me understand how there is a correlation between tax and crime. Tampa looks like a 5 star resort!


The correlation I was referring to is between taxes and the social safety net, not crime.
by Pajamas
Sat Apr 29, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: newbie asking for advice getting financial house in order...
Replies: 9
Views: 842

Re: newbie asking for advice getting financial house in order...

Overall, you are certainly on the right track and just need to tweak things. Congratulations on paying of that credit card debt, it must feel great! I agree that you should think about whether your priority is buying a condo or paying off your student debt. You could pay off your vehicle loan just t...
by Pajamas
Fri Apr 28, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Looking For Advice - Move NY -> Tampa?
Replies: 45
Views: 3221

Re: Looking For Advice - Move NY -> Tampa?

Tampa / St. Pete native here. I couldn't imagine living anywhere else. Didn't realize the warm weather here was that much of a concern for northerners, but I have trouble going outside when the temperature is below 50. There are lots of New Yorkers in the Tampa area. Not NY, but many of my coworker...
by Pajamas
Fri Apr 28, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: A Game of "Who is responsible"
Replies: 45
Views: 2564

Re: A Game of "Whose responsible"

However, the toilet is the issue, not the install. Perhaps a permit would not have helped. You do have a good case for the toilet manufacturer to pay for the re-do. However, the plumber should have caught the problem immediately, and then it could have been fixed with a quick trip to the hardware s...
by Pajamas
Fri Apr 28, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Bronx Zoo Free Day
Replies: 4
Views: 293

Re: Bronx Zoo Free Day

Yes, and same is true of free or reduced-fee admission hours at museums like MOMA or the Frick and at the NY Botanical Garden, etc. They are crowded and are only worth going to then if that is the only time you can afford to do so. You also have to be careful about crowds when there are special even...
by Pajamas
Fri Apr 28, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: A Game of "Who is responsible"
Replies: 45
Views: 2564

Re: A Game of "Whose responsible"

Another way to look at it: You probably did not need a permit or inspection for this work, but if that had been the case, then the plumber clearly would have been responsible to bring the work up to standards.
by Pajamas
Fri Apr 28, 2017 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Leverage an extra paid-off house?
Replies: 7
Views: 486

Re: Leverage an extra paid-off house?

Would you use leverage if you did not have this house? As a practical (not legal) matter, you don't fully possess the house right now as there is a life tenant. I would probably look at this as an eventual inheritance rather than as a past or current one and not do anything other than pay the taxes ...
by Pajamas
Fri Apr 28, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: A Game of "Who is responsible"
Replies: 45
Views: 2564

Re: A Game of "Whose responsible"

yorkpond wrote:The same plumber turned off the water supply to the house in order to install the faucet.


Then the plumber is responsible.

Be careful in this situation as they can easily slap a lien on your property.
by Pajamas
Fri Apr 28, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Co-pay health insurance- Varying costs for specific and same blood tests needed regularly?
Replies: 24
Views: 938

Re: Co-pay health insurance- Varying costs for specific and same blood tests needed regularly?

Because you have co-insurance, you have to find out how much the provider charges before you receive it if you want to control costs. It can be difficult to find out what the charges are. The health insurance company may be able to point you to lower-cost providers. If it is a free-standing laborato...
by Pajamas
Fri Apr 28, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Sell Condo or Rent it out
Replies: 16
Views: 1232

Re: Sell Condo or Rent it out

Have you always dreamed of being a landlord? If not, consider selling. +1 +2. These threads appear regularly. Becoming a long-distance landlord just because you moved is not a good idea. In this case, you already have an appropriate offer for the condo that eliminates any marketing or commission ex...
by Pajamas
Fri Apr 28, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Can a bank see if a check has been cashed by routing number?
Replies: 14
Views: 1000

Re: Can a bank see if a check has been cashed by routing number?

The check almost certainly was not cashed. The odds that someone would both find it in your garbage and illegally cash it are close to nil. The uncle knows it was not cashed, and you are 99.99% sure that it was not cashed. This situation is not really about the check at all. Avoid interacting with t...
by Pajamas
Fri Apr 28, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: A Game of "Who is responsible"
Replies: 45
Views: 2564

Re: A Game of "Whose responsible"

Checking the work to see if it is done correctly and to make any needed adjustments is part of any process, but in this case the plumber could not do so because the water was turned off. Who was responsible for purchasing the toilets? Did you buy them or did the plumber buy them? Was the gasket obvi...
by Pajamas
Thu Apr 27, 2017 8:26 pm
Forum: Personal Consumer Issues
Topic: Help with Medicaid Questions
Replies: 4
Views: 601

Re: Help with Medicaid Questions

Generally Medicaid will pay for assisted living, but Medicaid rules are state-specific. If your mother has substantial assets like a condo, definitely get some good advice about how to protect them, even if you have to pay for the advice from a firm specializing in senior law, but there are usually ...
by Pajamas
Thu Apr 27, 2017 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Invest my rollover
Replies: 4
Views: 223

Re: Invest my rollover

Also: If you are literally holding a check made out to yourself, you only have 60 days to complete the rollover without a penalty.

https://www.irs.gov/retirement-plans/pl ... tributions
by Pajamas
Thu Apr 27, 2017 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking advice: Pay off student loan or ???
Replies: 14
Views: 891

Re: Seeking advice: Pay off student loan or ???

I would pay it off without a second thought. If someone offered me a 2% interest $12,000 dollar loan to invest in the market right now I would not accept it. That is the way you should look at it. Would you accept a $12,000 loan at 2.125% in order to invest the money? If so, then don't pay off the ...
by Pajamas
Thu Apr 27, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Co-pay health insurance- Varying costs for specific and same blood tests needed regularly?
Replies: 24
Views: 938

Re: Co-pay health insurance- Varying costs for specific and same blood tests needed regularly?

Does your copay for the same blood test vary from provider to provider? Usually the way it works is that the health coverage company contracts with various providers at different rates, but the co-pay stays the same for the patient for the same service in a similar setting such as at doctors' office...
by Pajamas
Thu Apr 27, 2017 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Invest my rollover
Replies: 4
Views: 223

Re: Invest my rollover

Welcome to Bogleheads! The first decision is whether to roll your 403(b) into the 401(k) or an IRA. If you want advice about which funds to choose in the 401(k), you would have to list the ones that are available along with their expense ratios. For the best advice, you should review this and provid...
by Pajamas
Thu Apr 27, 2017 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Stay Out Of REITs?
Replies: 32
Views: 3498

Re: Stay Out Of REITs?

As with other stocks, some REITS are currently overvalued, some are appropriately valued, and some are undervalued.
by Pajamas
Thu Apr 27, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: Doctor bill question
Replies: 29
Views: 1861

Re: Doctor bill question

Savvy physicians embrace working with NPs and PAs. True, but there are many unsavvy physicians. For instance, the AMA insists in their official public statements that NPs should not practice independently but only as part of a team led by physicians. https://www.ama-assn.org/ama-statement-va-propos...
by Pajamas
Wed Apr 26, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: Are CCRCs a good deal? [Continuing Care Retirement Community]
Replies: 30
Views: 2571

Re: Are CCRCs a good deal? [Continuing Care Retirement Community]

Some relatives had a very good experience with a very similar community in another area of Florida. There were one story villa apartments for people who were completely independent with only call bells for real emergencies and the opportunity to take meals in the main building and enjoy all the many...
by Pajamas
Wed Apr 26, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Doctor bill question
Replies: 29
Views: 1861

Re: Doctor bill question

I don't think any of the major journals (NEJM, Lancet, etc.) have reported that NPs achieve better outcomes. No, and it is highly unlikely that any major medical journals will accept research for publication in the near future that demonstrates it, because physicians have fought tooth and nail agai...
by Pajamas
Wed Apr 26, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: When does it make sense to stop paying to repair your old vehicle?
Replies: 56
Views: 3566

Re: When does it make sense to stop paying to repair your old vehicle?

It's certainly at the end of its useful life. If you can afford and need a better vehicle, it's time to get one. When I found myself in similar situations, a big factor in the decision was always the hassle involved of being without a vehicle while it was being repaired, breaking down on the highway...
by Pajamas
Wed Apr 26, 2017 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Looking For Advice - Move NY -> Tampa?
Replies: 45
Views: 3221

Re: Looking For Advice - Move NY -> Tampa?

Crime is also a significant problem in Tampa. Compared to New York City, Tampa has crime rates that are significantly higher. Murder, the same rate Rape, rate is three times that of NYC Robbery, 50% higher rate Aggravated assault, more than double the rate Burglary, five times the rate Larceny, well...
by Pajamas
Wed Apr 26, 2017 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Looking For Advice - Move NY -> Tampa?
Replies: 45
Views: 3221

Re: Looking For Advice - Move NY -> Tampa?

Have you spent any time in the Tampa area beyond a short vacation? Financially you will be a lot better off, but there is a huge difference in climate, culture, and politics. Many native northerners who move to the South, and particularly to Florida and Texas, which are frequent destinations, absolu...
by Pajamas
Wed Apr 26, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Using an HSA for Canadian RX
Replies: 10
Views: 704

Re: Using an HSA for Canadian RX

Also, I have a friend who's wife takes an expensive anti-cancer drug which costs $11,000 a month. The "same" drug is available from a Canadian pharmacy for less than $500/month. She checked with her doctor, who originally thought the Canadian drug would be OK, but then came back and advis...
by Pajamas
Wed Apr 26, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: Doctor bill question
Replies: 29
Views: 1861

Re: Doctor bill question

The degree to which a primary care health practice uses Nurse Practioners is, I believe, a factor in choosing a Primary Care practice. Use of NPs can be either positive or negative, depending on the specifics of the NP and the attitude of the patient. With previous primary care physicians, I never ...
by Pajamas
Wed Apr 26, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: Doctor bill question
Replies: 29
Views: 1861

Re: Doctor bill question

Doctors can have NPs work for them and supervise just by listening to and agreeing with the story. It depends on the state. Some states authorize fully independent practice for Nurse Practitioners while other states have various restrictions of practice vs. MDs. Required "supervision" oft...
by Pajamas
Tue Apr 25, 2017 11:26 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 4490

Re: $300+ to remove a racoon. Really?

The mama lunged for the bowl, bit her on the thumb and she had to undergo rabies shots. I think thumbs look like a peanut in a shell to squirrels as they have munched on mine while feeding them peanuts. That is probably true for raccoons, too. I would still feed the raccoons in a bowl, but would lo...
by Pajamas
Tue Apr 25, 2017 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: One Fund? Really?
Replies: 49
Views: 5228

Re: One Fund? Really?

Not only is that one fund actually a small portfolio of funds, each of those funds in the portfolio contains many different individual stocks or bonds.
by Pajamas
Tue Apr 25, 2017 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: $1m capital gains, worth it to simplify and index?
Replies: 46
Views: 3719

Re: $1m capital gains, worth it to simplify and index?

140+ holdings is insane. That financial advisor you are paying big bucks can't possibly keep up with all of them. I would harvest any losses and use those to clear out some of the smaller holdings, either in size or in amount of capital gains, to simplify things, and then reassess. It might be bette...
by Pajamas
Tue Apr 25, 2017 10:53 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 4490

Re: $300+ to remove a racoon. Really?

Just make sure the raccoon has easy access in and out and wait for the cubs to leave the nest and then seal them out. There is no need to try to catch or kill raccoons, and especially the cubs. They probably won't cause any real problems if you just wait them out. If you feed the mother raccoon scra...
by Pajamas
Tue Apr 25, 2017 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Why is Real-Estate so Bad?
Replies: 113
Views: 8485

Re: Why is Real-Estate so Bad?

Real estate investing can definitely "outperform" stock market averages. :beer It can but it has not done so in the past. Stocks have clearly performed much better than real estate over the longer term, at least in the U.S. and Canada, probably in other places like Europe, Japan, and Aust...
by Pajamas
Tue Apr 25, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 208
Views: 8251

Re: Will cars be autonomous in three years?

I think something to keep in mind is not all new technology flourishes into a booming success. Competition, costs and unpopularity among consumers can spell doom for what would otherwise have been regarded as the wave of the future type of product. I can't remember the name of the product, but I th...
by Pajamas
Tue Apr 25, 2017 4:26 pm
Forum: Personal Consumer Issues
Topic: co-worker had a baby, chipping in on gift- how much?
Replies: 57
Views: 3021

Re: co-worker had a baby chipping in on gift- how much?

It depends on the office culture and size and how much you make. I have worked in offices where I was one of the highest paid people and there were many others who made a third or a quarter of what my peer group made. I always chipped in $20 for something like a baby or death if there was a collecti...
by Pajamas
Tue Apr 25, 2017 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Continue to rent or sell condo
Replies: 21
Views: 1921

Re: Continue to rent or sell condo

What you're saying is that the market has softened and the price someone would pay for the condo vs. the rent would still not make it a viable investment. So why the heck do you want to hold it as an investment yourself? Your delay in selling has already cost you money. You can't take a time machine...
by Pajamas
Tue Apr 25, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 208
Views: 8251

Re: Will cars be autonomous in three years?

For example, say I am leaving my garage and going to work. Work has a large parking lot with hundreds of spaces and I like to enter the building at a side door nearest my office. How does the vehicle know this? I'm not a technical expert, but self-driving cars will communicate with each other, with...
by Pajamas
Mon Apr 24, 2017 10:30 pm
Forum: Personal Consumer Issues
Topic: New job and offer - recruiter sent a wrong $$
Replies: 43
Views: 4833

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

After the conversation in which the recruiter denied ever having offered the initial amount, I wouldn't even bother with formally declining the offer.
by Pajamas
Mon Apr 24, 2017 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Are relocation expenses deductible if given lump sum from company?
Replies: 10
Views: 729

Re: Are relocation expenses deductible if given lump sum from company?

My company is paying me a lump sum of 22k to cover all my moving expenses ( trips to the area, temp. housing, etc. ) They are also moving all our stuff pre-paid by them. Can I still deduct any of my moving expenses? I am guessing the answer is no. The lump sum and the pre-paid moving are indeed ded...
by Pajamas
Mon Apr 24, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: Administration Professionals Day
Replies: 15
Views: 1118

Re: Administration Professionals Day

Flowers and a Visa gift card. The flowers should have three balloons. Box of chocolates is optional.
by Pajamas
Mon Apr 24, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 208
Views: 8251

Re: Will cars be autonomous in three years?

I think you will see advanced, intelligent cruise control with semi-autonomous operation on highways, cars that can parallel park or squeeze into tight perpendicular parking by themselves, and more intelligent safety features to prevent accidents by backing up over someone as well as communicating w...

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