Search found 536 matches

by SlowMovingInvestor
Thu Apr 19, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 132
Views: 6087

Re: Got hit with a $2800 Medical bill. Can I negotiate?

I'm a little confused why there are so many comments that $5900 is a high deductible. Of the plans I've seen available, this is on the low end. This is the highest I've seen for an individual. 2 or 3K is more common. However, I think 5900 may not be the deductible in this case, but the OOP max. Eve...
by SlowMovingInvestor
Thu Apr 19, 2018 11:41 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 928
Views: 159848

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

If one was to transfer over 100k to the ally brokerage from the ally savings I would imagine it to be a smooth process. However, for an emergency fund where could one park the money to keep a comparable rate that it was getting in the ally savings? Maybe not worth the hassle for 300$? It has to be ...
by SlowMovingInvestor
Thu Apr 19, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 88
Views: 3845

Re: Termination of transfers from SPG and Marriott to airlines?

Getting back to the Credit Card changes -- it looks like Mariott/AMEX is adding a free night award to the current SPG card ? I can't see any change announced for the Mariott Premier Rewards Business Card. My renewal is coming up. I don't really expect to make use of 2 free night awards, so I'm think...
by SlowMovingInvestor
Thu Apr 19, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 132
Views: 6087

Re: Got hit with a $2800 Medical bill. Can I negotiate?

I'm a little confused why there are so many comments that $5900 is a high deductible. Of the plans I've seen available, this is on the low end. This is the highest I've seen for an individual. 2 or 3K is more common. However, I think 5900 may not be the deductible in this case, but the OOP max. Eve...
by SlowMovingInvestor
Thu Apr 19, 2018 8:16 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 928
Views: 159848

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I got an emailed offer from Ally Investing. I am an Ally Bank customer, so those who are customers may find the offer in the email Free trades and $100K --> $300 $250K -> $600 $500K -> $1200 $1M -> $2500 90 day holding period Might be worth getting a quick bonus, although Ally Investing is new enoug...
by SlowMovingInvestor
Wed Apr 18, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 132
Views: 6087

Re: Got hit with a $2800 Medical bill. Can I negotiate?

While the various types/models of HMOs differ, such HMOs (in my experience) do much better at telling you what something will cost. In my current plan (Kaiser) a great many types of surgery are done outpatient or only an overnight stay - at their facility. No matter what the type done at their faci...
by SlowMovingInvestor
Wed Apr 18, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 132
Views: 6087

Re: Got hit with a $2800 Medical bill. Can I negotiate?

I think every healthy person on HDHP should set aside at least the deductible amount in a liquid account because one may not get sick, but accidents could happen. If you HSA eligible HDHP, the HSA is one of the best deals there is out there to park this moneyh. Tax deductible going in (including FI...
by SlowMovingInvestor
Wed Apr 18, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Suddenly I had a weird bill go to collections - what's my course of action?
Replies: 36
Views: 3066

Re: Suddenly I had a weird bill go to collections - what's my course of action?

Will work on the citation, but you don't seem to understand. It is the PROVIDER who is doing something illegal. He is the one with the contract with the insurance company stating he will bill x for procedure y for everyone of those patients who have insurance z. That's only if you ask the provider ...
by SlowMovingInvestor
Wed Apr 18, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 132
Views: 6087

Re: Got hit with a $2800 Medical bill. Can I negotiate?

You ask your provider how much will service y cost me? They say they have no clue, because they literally don't know. And that is for a simple fee for service model. Then start throwing in quality measures and all that jazz and nobody can actually tell you what anything costs. Literally the provide...
by SlowMovingInvestor
Wed Apr 18, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: landline solutions
Replies: 27
Views: 1318

Re: landline solutions

I'd prefer not to use internet based VoIP type services (unreliable at times), but am open to considering anything that will cost us less. If you are concerned about it working during a power outage then you can get a inexpensive battery backup that will last a couple of hours. I don't know if it t...
by SlowMovingInvestor
Tue Apr 17, 2018 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to move money to the US for investing
Replies: 1
Views: 167

Re: Best way to move money to the US for investing

Hi guys, I have been researching on this but cannot find a solid answer. I wonder if anyone has any experience moving a lump some of money from outside of the US to a US bank or a brokerage company like Vanguard.I will be selling a piece of property outside of the US (and will therefore be taxed ab...
by SlowMovingInvestor
Tue Apr 17, 2018 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Cost Basis Transfer Issues
Replies: 1
Views: 266

Vanguard Cost Basis Transfer Issues

I transferred shares of a Vanguard fund to another online brokerage a couple of months ago. Some of the Vanguard shares were 'noncovered', i.e. purchased before Jan 1 2012, and Vanguard only had average cost information (or so they say). After the transfer, the covered shares transferred cost basis ...
by SlowMovingInvestor
Tue Apr 17, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Best High Interest Savings Account?
Replies: 20
Views: 1685

Re: Best High Interest Savings Account?

If you have money at a brokerage like Vanguard or Schwab you can use their Money Market Funds to get ~1.65-1.75% on any balance. That's not been my experience with Vanguard for well over a decade. They're consistently way below even the second tier online savings accounts. Right now Prime MMA is pa...
by SlowMovingInvestor
Tue Apr 17, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 88
Views: 3845

Re: Termination of transfers from SPG and Marriott to airlines?

I think (although haven't looked at it much) some of these hotel card awards (MR and the IHG free night award, even capped now) could be really useful for European or Asian travel. Hotels in major European cities such as London can be extraordinarily expensive, so even a non top tier hotel can be a...
by SlowMovingInvestor
Tue Apr 17, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 88
Views: 3845

Re: Termination of transfers from SPG and Marriott to airlines?

How easy is it to make use of the free night offer for the MR card currently ? Are there lots of blackout periods in the top properties ? The free night for the old Marriott Visa was restricted to cat 1-5 properties, so not usable what most people consider top properties. I got sufficient value out...
by SlowMovingInvestor
Tue Apr 17, 2018 5:28 am
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 88
Views: 3845

Re: Termination of transfers from SPG and Marriott to airlines?

What did change, however, is the earnings rate for the SPG Amex card. The unbonused spend now (August) earns 2 Marriott points instead of one Star Point. Since 1 Star Point equals 3 Marriott points, that is a loss of 1/3 of value when transferred to airlines. Amex SPG was my top card to use for mis...
by SlowMovingInvestor
Mon Apr 16, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 88
Views: 3845

Re: Termination of transfers from SPG and Marriott to airlines?

The new plan keeps the airline transfer, and at the same rates, including the bonus. You can also convert Mariott into airline miles at a 3:1 ratio (as now, it seems).
.
A lot of other changes, but (as I thought) the rumot that Marriott might cancel all transfers turned out to be wrong.
by SlowMovingInvestor
Sat Apr 14, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 88
Views: 3845

Re: Termination of transfers from SPG and Marriott to airlines?

The majority of respondents so far are unperturbed. They have plans for using Marriott-SPG points even without airline transfer. But for me, airline miles are more valuable and thus I have acted on the rumor. If there are a few Bogleheads (or lurkers) who value airline transfers and don't want to r...
by SlowMovingInvestor
Fri Apr 13, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 88
Views: 3845

Re: Termination of transfers from SPG and Marriott to airlines?

I have seen no reliable source that the airline transfer will be eliminated without notice. I plan on holding on to my Marriott and SPG miles....for now. I fully agree that the rumors about termination of transfers are unreliable. However, I am thinking of this as a Pascal's Wager. If the transfers...
by SlowMovingInvestor
Fri Apr 13, 2018 4:58 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 438
Views: 86958

Re: Bank of America/Merrill Edge - Preferred Rewards

There's a $1000 bonus available now. Strange, it didn't come up when I clicked your link, but I copy and pasted the following and it worked: https://www.merrilledge.com/offers/1000offer "Respond by April 13, 2018", so gotta act fast if you're doing it! I thought it was 90 days, but now I'm seeing 1...
by SlowMovingInvestor
Thu Apr 12, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?
Replies: 39
Views: 3837

Re: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?

It does get paid, at first. A claim is filed for an office visit, maybe CPT 99213. ICD10 is M54.5 for back pain. Everyone has back pain or neck pain. Claim is paid. A few months later the medical insurance learns that the back pain is due to an auto accident. So they request records and decide to t...
by SlowMovingInvestor
Thu Apr 12, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?
Replies: 39
Views: 3837

Re: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?

Based on this thread, it would seem it's actually a negative to have medical coverage on your auto policy (unless required by the state) when you have good health insurance ? Since it might restrict your choice of doctors or hospitals ? Personally, I would much rather a doctor tell me up front that ...
by SlowMovingInvestor
Thu Apr 12, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: [Help completing the TN state tax return]
Replies: 73
Views: 2196

Re: Why is TurboTax saying I need to file multiple state tax returns?

M But going back to my last post, I'm still confused on how to allocate the exact breakdowns of interest income, stocks sold, etc. or whatever else I need to allocate to the state of California? Because SlowMovingInvestor said you could just allocate it based off days in CA while seawolf21 said you...
by SlowMovingInvestor
Thu Apr 12, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?
Replies: 39
Views: 3837

Re: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?

I'm a little confused by this thread. If someone has medical insurance, and goes to an in-network doctor (PCP), are people saying that in that case, the doctor has to bill the auto insurance company, not your medical insurance company ? I thought most auto coverage was secondary. I do remember that ...
by SlowMovingInvestor
Thu Apr 12, 2018 10:21 am
Forum: Investing - Theory, News & General
Topic: WSJ--Fidelity Is Revamping How It Charges You for Financial Advice
Replies: 14
Views: 1980

Re: WSJ--Fidelity Is Revamping How It Charges You for Financial Advice

Wow! I have almost everything at Fidelity. IRA, Roth, Taxable. If they start charging fees like that, I will be gone like the wind. This article isn't relevant for most Bogleheads. It's not for DIY investors, it's for people who use their "wealth management services". And it looks like they're clai...
by SlowMovingInvestor
Wed Apr 11, 2018 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: [Help completing the TN state tax return]
Replies: 73
Views: 2196

Re: Why is TurboTax saying I need to file multiple state tax returns?

So here is my question...when I then finish the federal portion and switch over to the state income tax it asks me to allocate the interest, dividends and stock sales based off time from California compared to the rest of the year. It has all the year data that I entered previously and TurboTax Pre...
by SlowMovingInvestor
Wed Apr 11, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: [Help completing the TN state tax return]
Replies: 73
Views: 2196

Re: Why is TurboTax saying I need to file multiple state tax returns?

NJ non-resident forms allows a Federal MFJ to file NJ MFS for spouse working in NJ and it DIDN'T involve having to create a Fed MFS return. There are worksheets in TT that allow excluding the CT spouse's W2 income from NJ calculation but you can only access it in FORMS mode. Not to hijack this thre...
by SlowMovingInvestor
Wed Apr 11, 2018 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: [Help completing the TN state tax return]
Replies: 73
Views: 2196

Re: Why is TurboTax saying I need to file multiple state tax returns?

In a case like this, I think TT may know what it is doing - I'd probably just follow their instructions myself. I disagree. I don't think TT handles these kinds of multi-state returns well when spouses are earning in different states. I think it'll give you a return that is 'correct', but you may e...
by SlowMovingInvestor
Wed Apr 11, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: [Help completing the TN state tax return]
Replies: 73
Views: 2196

Re: Why is TurboTax saying I need to file multiple state tax returns?

I'm so confused...I thought you couldn't file married jointly for fed and then married filing separate for state taxes? I thought your filing status for state had to match exactly your federal too? Depends on the state. California: https://www.ftb.ca.gov/individuals/Filing-status-information.shtml ...
by SlowMovingInvestor
Wed Apr 11, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 438
Views: 86958

Re: Bank of America/Merrill Edge - Preferred Rewards

I'm BoA Platinum Honors (via ME balance), and I thought this gave you access to a free Safe Deposit box. It says so on BOA's web site too. I was told today by a BoA branch manager that it's not free, but discounted (only by around $10). Is this just branch specific or does BoA not give a free box (...
by SlowMovingInvestor
Wed Apr 11, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: [Help completing the TN state tax return]
Replies: 73
Views: 2196

Re: Why is TurboTax saying I need to file multiple state tax returns?

I'm not very familar with CA's return, but I think as a general rule, if you are filing MFJ for a state, then you can't file a MFJ return claiming one spouse is a resident and one is not. Both of you have to be either residents or non residents (or part year residents, I suppose). Even if the state ...
by SlowMovingInvestor
Mon Apr 09, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 438
Views: 86958

Re: Bank of America/Merrill Edge - Preferred Rewards

I'm BoA Platinum Honors (via ME balance), and I thought this gave you access to a free Safe Deposit box. It says so on BOA's web site too. I was told today by a BoA branch manager that it's not free, but discounted (only by around $10). Is this just branch specific or does BoA not give a free box (s...
by SlowMovingInvestor
Mon Apr 09, 2018 5:47 am
Forum: Investing - Help with Personal Investments
Topic: Selling ESPP stocks with a limit order without fee
Replies: 9
Views: 484

Re: Selling ESPP stocks with a limit order without fee

One more point that may decide the issue -- sometimes it's not even possible to move the shares out for a certain period of time (the time during which selling the shares would be a disqualifying disposition). The company gets a tax benefit if you sell early, so they want the brokerage to keep track...
by SlowMovingInvestor
Sun Apr 08, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Best High Interest Savings Account?
Replies: 20
Views: 1685

Re: Best High Interest Savings Account?

My experience is that Purepoint has been the market leader (or close to it) for much of the last year (excluding teaser or restricted rates).

They just upped to 1.75%. Good reason to break my Ally Bank 1.75% CD.
by SlowMovingInvestor
Sun Apr 08, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax "Audit Defense" worth it?
Replies: 9
Views: 1577

Re: TurboTax "Audit Defense" worth it?

I'm thinking about Audit Defense this year. Not to hijack this thread, but I did have a few questions. I use TT download, not online. 1) I'm thinking of filing an extension. I can still get audit defense when I actually file later, right ? 2) Is Audit defense only available if you efile ? I ask beca...
by SlowMovingInvestor
Fri Apr 06, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage payoff questions
Replies: 12
Views: 2303

Re: Mortgage payoff questions

Mortgages are paid in arrears. That's why it's good through the end of the month. Any time before that will earn you a slight credit in interest. So they'll actually credit if I pay early ? That would make a lot of sense, but the payoff doc doesn't mention it, and it shows the same amount whether I...
by SlowMovingInvestor
Fri Apr 06, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage payoff questions
Replies: 12
Views: 2303

Mortgage payoff questions

I'm paying off my mortage and I received a payoff quote from the servicer. 1) I'm a little surprised to note that the quote is valid till the end of the month. Does that mean I'd be better off paying as late as possible this month since I can collect interest on the balance in my online bank account...
by SlowMovingInvestor
Wed Apr 04, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Taxable State Tax Refund
Replies: 3
Views: 235

Re: Taxable State Tax Refund

I think it depends on whether tax from state was an itemized federal deduction in 2016. If you got the benefit of an itemized deduction for taxes from the same state the refund is for then the refund counts as federal income in the year you receive it. Yes, I itemized, but I was also subject to a s...
by SlowMovingInvestor
Wed Apr 04, 2018 2:19 pm
Forum: Investing - Theory, News & General
Topic: EverBank Novel CD Product
Replies: 18
Views: 1802

Re: EverBank Novel CD Product

What about taxes ? The product mentions 1099-OIDs and suggests holding in an IRA.

It seems to me that if you held it in a taxable account, you might have to pay taxes in years 1 and 2 on phantom gains which are lost in year 3 ?
by SlowMovingInvestor
Wed Apr 04, 2018 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Taxable State Tax Refund
Replies: 3
Views: 235

Taxable State Tax Refund

I received a refund of around $8K in 2017 from my 2016 state tax return. I'm using TurboTax to do my 2017 return, and I'm trying to figure out how much is taxable. I was subject to the AMT in 2016 (but only around $40 or so of additional AMT tax). TT 2017 essentially suggests going to TT 2016 and us...
by SlowMovingInvestor
Mon Apr 02, 2018 8:27 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 928
Views: 159848

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Somewhat related to this thread -- I got a 1099-MISC for one of my bonuses (in a taxable account) from the broker. Income is reported in Box 3, Other Income I downloaded this into Turbo Tax, and TT is asking me a lot of questions about the 1099-MISC, and then finally told me I need to pay self empl...
by SlowMovingInvestor
Mon Apr 02, 2018 8:10 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 928
Views: 159848

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Somewhat related to this thread -- I got a 1099-MISC for one of my bonuses (in a taxable account) from the broker. Income is reported in Box 3, Other Income I downloaded this into Turbo Tax, and TT is asking me a lot of questions about the 1099-MISC, and then finally told me I need to pay self emplo...
by SlowMovingInvestor
Sun Apr 01, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: NC State Taxes for remote worker
Replies: 9
Views: 573

Re: NC State Taxes for remote worker

Have you tried doing the part-year resident returns for both states to see what happens to the taxes? You probably will owe something to the non-NC state you lived in, but didn't have withholding for, but NC might not claim that income because you didn't live in NC at the time. I did try that. One ...
by SlowMovingInvestor
Sun Apr 01, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: Towel Warmers - worthwhile luxury or useless?
Replies: 39
Views: 3032

Re: Towel Warmers - worthwhile luxury or useless?

20 (!) years ago when I lived in the UK, nicer hotels had an arrangement where the hot water feed to your shower or bath (I miss having a proper bathtub) ran through the towel rack, ingeniously heating your towels only when you needed them. I remember heated towel racks in UK hotels many years ago ...
by SlowMovingInvestor
Sun Apr 01, 2018 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: NC State Taxes for remote worker
Replies: 9
Views: 573

Re: NC State Taxes for remote worker

Have you tried doing the part-year resident returns for both states to see what happens to the taxes? You probably will owe something to the non-NC state you lived in, but didn't have withholding for, but NC might not claim that income because you didn't live in NC at the time. I did try that. One ...
by SlowMovingInvestor
Sun Apr 01, 2018 12:15 pm
Forum: Investing - Theory, News & General
Topic: Barrons 'Interactive Brokers top Online Broker'
Replies: 31
Views: 2552

Re: Barrons 'Interactive Brokers top Online Broker'

I happened to look at IB's investors page (for it's own stock), since I was curious how it was doing in terms of assets, customers etc. https://investors.interactivebrokers.com/ir/main.php Here is a statement from the CEO on that page Investment by passive investors, and by others who do not use our...
by SlowMovingInvestor
Sun Apr 01, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: NC State Taxes for remote worker
Replies: 9
Views: 573

Re: NC State Taxes for remote worker

Remote workers are a very new thing (to state tax law writers), so the law has not yet caught up to reality. I would do whatever worked best for me, and let the state(s) send me a letter if they disagree. At most you will be out a tiny bit of interest for underpayment. It is always possible that bo...
by SlowMovingInvestor
Sat Mar 31, 2018 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: NC State Taxes for remote worker
Replies: 9
Views: 573

NC State Taxes for remote worker

I am a resident of another state, but was transferred to an NC office last year. I worked remotely for the NC office for 2 months, then moved to NC and became a resident there for the last 3-4 months of the year. My company deducted NC taxes for the 2 months I was working remotely (even though I was...
by SlowMovingInvestor
Fri Mar 30, 2018 6:22 am
Forum: Investing - Theory, News & General
Topic: Vanguard in the WSJ today
Replies: 57
Views: 7588

Re: Vanguard in the WSJ today

I've been satisfied with Vanguard's service in general, but certainly the service of other brokerages is better (and I do hold VG funds and ETFs elsewhere and at VG). I will say that if you hold Vanguard ETFs or funds with other brokers, you may not be dependent directly on Vanguard's customer servi...