Search found 391 matches

by amarone
Sat Jun 18, 2016 4:26 am
Forum: Personal Consumer Issues
Topic: Medical Billing Error - a success story!
Replies: 16
Views: 1868

Re: Medical Billing Error - a success story!

Great to hear! The number of medical billing errors is outrageous. I can't imagine any other industry being allowed to get away with so many billing errors. Calling them "errors" is charitable in many instances. We are handling the finances of my sister-in-law, who had a stroke last Septe...
by amarone
Sat Jun 18, 2016 4:24 am
Forum: Personal Consumer Issues
Topic: Medical Billing Error - a success story!
Replies: 16
Views: 1868

Re: Medical Billing Error - a success story!

Nope. She had reached her annual out of pocket maximum under her ACA policy and therefore had neither further deductible or coinsurance to pay. As the "mistakes" were always in the health provider's favor, I am not inclined to believe that they were always genuine mistakes. Mind you, ther...
by amarone
Fri Jun 17, 2016 6:29 pm
Forum: Personal Consumer Issues
Topic: Medical Billing Error - a success story!
Replies: 16
Views: 1868

Re: Medical Billing Error - a success story!

Great to hear! The number of medical billing errors is outrageous. I can't imagine any other industry being allowed to get away with so many billing errors. Calling them "errors" is charitable in many instances. We are handling the finances of my sister-in-law, who had a stroke last Septe...
by amarone
Fri Jun 17, 2016 5:31 am
Forum: Personal Consumer Issues
Topic: Medical Billing Error - a success story!
Replies: 16
Views: 1868

Re: Medical Billing Error - a success story!

Great to hear! The number of medical billing errors is outrageous. I can't imagine any other industry being allowed to get away with so many billing errors. Calling them "errors" is charitable in many instances. We are handling the finances of my sister-in-law, who had a stroke last Septe...
by amarone
Thu Jun 16, 2016 8:21 pm
Forum: Personal Consumer Issues
Topic: Uber Car and the real cost of driving
Replies: 71
Views: 9057

Re: Uber Car and the real cost of driving

The government $0.55/mile deal is for deprecation, insurance, maintenance, and fuel. There is a large range of cars, some as cheap as $16k new (Honda Fit), and some as expensive as $60k new (fully loaded mini van for example). So, if we assume the government calculated out a $30k car for 125k miles...
by amarone
Thu Jun 16, 2016 8:16 pm
Forum: Personal Consumer Issues
Topic: Medical Billing Error - a success story!
Replies: 16
Views: 1868

Re: Medical Billing Error - a success story!

Great to hear! The number of medical billing errors is outrageous. I can't imagine any other industry being allowed to get away with so many billing errors. Calling them "errors" is charitable in many instances. We are handling the finances of my sister-in-law, who had a stroke last Septe...
by amarone
Sun Jun 12, 2016 7:34 pm
Forum: Personal Consumer Issues
Topic: 3 Row SUVs - Help Educate Me
Replies: 42
Views: 3186

Re: 3 Row SUVs - Help Educate Me

How often do you need both 3 rows in use and decent luggage space? If it is only a few times per year, then why drive a bigger (and probably less economical) car all the rest of the time just for those few occasions? Get a medium SUV and a cargo carrier for the roof.

Or a minivan.
by amarone
Sun Jun 12, 2016 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Renew flood insurance?
Replies: 10
Views: 738

Re: Renew flood insurance?

I'd be much happier with a flood policy that provided up to $750K of coverage, included finished walk out levels, and that had a $10K or $15K deductible. I can write a check for a fat deductible. What I want is coverage that protects me for the tail losses I can't so easily cover, but that isn't on...
by amarone
Sun Jun 12, 2016 6:35 pm
Forum: Investing - Theory, News & General
Topic: Actionable advice in a Brexit scenario
Replies: 162
Views: 16177

Re: Actionable advice in a Brexit scenario

Iridium wrote:Otherwise, stay the course. The market has already priced in the short-term impacts.

No it hasn't. The market has priced in the possibility of short-term impacts. It has not priced in a 100% certainty. So if Brexit occurs (or does not occur) the market will adjust to the actuality.
by amarone
Sat Jun 11, 2016 10:47 am
Forum: Investing - Help with Personal Investments
Topic: How much to keep money in bank account?
Replies: 8
Views: 1767

Re: How much to keep money in bank account?

Although I do have an online savings account, I do not try very hard to minimize the balance in my checking account. At current interest rates, there is not much to be gained - every $1,000 you can lower your average balance by is worth a whole $10/year, less taxes. If we get a big receipt, such as ...
by amarone
Sat Jun 11, 2016 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Lending Club desperate for investors?
Replies: 63
Views: 5733

Re: Lending Club desperate for investors?

I had $18k in Lending Club and it was one of my best investments last year. Nevertheless, I am getting out. At the end of last month I analyzed my account as I had a feeling that charge offs were increasing. Charge offs averaged 0.5% of my investment per month in 2015. Over the first five months of ...
by amarone
Mon May 30, 2016 3:41 pm
Forum: Personal Consumer Issues
Topic: Looking to buy a golf cart
Replies: 15
Views: 1533

Re: Looking to buy a golf cart

Where do you live? Are you in a golf cart community? Most places (other that golf cart communities) require vehicles to be licensed and in order to get that license you need liability insurance and most insurance companies are reluctant to insure golf carts. Tru My cart is insured under my homeowne...
by amarone
Mon May 30, 2016 2:16 pm
Forum: Personal Consumer Issues
Topic: Looking to buy a golf cart
Replies: 15
Views: 1533

Re: Looking to buy a golf cart

I would go electric. Gas carts are noisier, unresponsive (lag between putting foot down and going), less convenient to recharge, pollute more, and sometimes (based on those I have rented n golf courses) prone to backfire. I suppose the one advantage is that if you run out, you can just pour in some ...
by amarone
Sun May 29, 2016 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Disability???
Replies: 27
Views: 1981

Re: Social Security Disability???

When you go on SSD you also go on Medicare. That means you might lose your current doctors. Look into that aspect before hand. My sister-in-law went onto disability a few months ago and did not go onto Medicare, nor was offered the option to do so. She is still on an ACA plan. People who qualify fo...
by amarone
Sun May 29, 2016 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Disability???
Replies: 27
Views: 1981

Re: Social Security Disability???

enebyberg wrote:When you go on SSD you also go on Medicare. That means you might lose your current doctors. Look into that aspect before hand.

My sister-in-law went onto disability a few months ago and did not go onto Medicare, nor was offered the option to do so. She is still on an ACA plan.
by amarone
Sat May 28, 2016 3:10 pm
Forum: Personal Consumer Issues
Topic: Recall: Subaru 2015, 2016 & 2017 Legacy & Outback steering
Replies: 43
Views: 3676

Re: Recall: Subaru 2015, 2016 & 2017 Legacy & Outback steering

We had a 2012 Outback that, after about 60k miles, needed a top up of oil. I put a quart in after 5,000 of the 7,500 mile service interval. Not a big deal. We subsequently bought a 2016 Outback and noticed that the service interval has been reduced to 6,000 miles. I suspect this might be related to ...
by amarone
Sun May 22, 2016 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Still double checking bank checkbook math?
Replies: 46
Views: 2586

Re: Still double checking bank checkbook math?

Which edition of Quicken does an adequate job with keeping up with your checking account? Is this automatically downloaded to Quicken? Thanks It is every edition, I think, and has been for many years. I download each night by opening quicken and hitting "update." Not truly automatic, but ...
by amarone
Thu May 19, 2016 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 1548

Re: Pride in no inheritance to kids?

There are some who feel that they've already given their kids their legacy up front by bringing them up under comfortable conditions and paying for their educations and that their financial responsibilities ended when the children were able to support themselves. The parents would now like to feel ...
by amarone
Tue May 17, 2016 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Hail damage on roof; what to do with Insurance Providers' $9,950 check
Replies: 51
Views: 4061

Re: Hail damage on roof; what to do with Insurance Providers' $9,950 check

You can certainly take the check, cash it and save it - fixing nothing. However, if you have a roof leak or other issue in the future (as a result of this hail incident or not), you'll effectively have no ability to make another a claim. If it were me and you like your home, I'd replace the roof. I...
by amarone
Fri May 06, 2016 9:46 pm
Forum: Personal Consumer Issues
Topic: how much cash do you carry in your wallet?
Replies: 152
Views: 14541

Re: how much cash do you carry in your wallet?

I average about $150 although the only regular cash transaction I have is my bridge - $10 two to three times per week. Why as much as $150? So I don't have to go to the ATM too often. I would never feel comfortable with zero cash. After all, it is useful to be able to bail out those people who smugl...
by amarone
Fri May 06, 2016 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check credit card statements?
Replies: 79
Views: 4530

Re: Do you check credit card statements?

I don't even see my credit card statement. I get an email telling me it is ready, with a link, but I don't bother checking it. I download transactions into Quicken every day. If there is anything I cannot remember, I look it up on the Amex web site where there is more detail. I find an error or frau...
by amarone
Tue Apr 26, 2016 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Missed Payment Impact on Credit Score
Replies: 12
Views: 1238

Re: Missed Payment Impact on Credit Score

From my experience a missed payment is a big deal, score went from around 780-800 to 730-740 overnight! :annoyed So once upon a time I fell for the "10% off if you get our card today!" offer at a prominent department store. I saved $150 so I thought it was worth it. Paid the full balance ...
by amarone
Tue Apr 26, 2016 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Ameriprise - Transition to Vanguard
Replies: 12
Views: 1129

Re: Ameriprise - Transition to Vanguard

No need to repeat the excellent advice you have already got, but will hone in on one aspect: Hines Global REIT. I helped someone escape from Ameriprise and was shocked to discover that they put 25% of her money into two unlisted REITs (one was Hines REIT - a different fund from the Global REIT). The...
by amarone
Mon Apr 18, 2016 10:54 pm
Forum: Personal Consumer Issues
Topic: Laptop - Touch Screen?
Replies: 22
Views: 1657

Re: Laptop - Touch Screen?

I am embarrassed to admit that I recently bought a laptop (Asus Zenbook) without realizing it would have a touch screen. I thought I would not use it, but have ended up liking it. If I am doing serious work, or plenty of typing, I am plugged into a docking station with real keyboard, monitor and mou...
by amarone
Sun Apr 17, 2016 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: How Did You File Your Income Taxes for 2015?
Replies: 101
Views: 5167

Re: How Did You File Your Income Taxes for 2015?

Used downloaded version of Turbotax. e-filed Federal (IRS said my return was incorrect by $1.25 as Turbotax rounded my estimated tax payments - yes, I paid estimated taxes not in whole dollars; I will not do that again). I would have mailed my state tax returns anyway rather than pay the extra fee t...
by amarone
Sat Apr 02, 2016 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Help me pick a tax software [Form 8938 - Specified Foreign Financial Assets]
Replies: 12
Views: 1454

Re: Help me pick a tax software [Form 8938 - Specified Foreign Financial Assets]

I have five foreign accounts and TurboTax Deluxe handled Form 8938 with no problem and I e-filed.
by amarone
Mon Mar 07, 2016 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Has anyone funded a Vanguard IRA by transfer from Mutual Fund account?
Replies: 8
Views: 538

Re: Has anyone funded a Vanguard IRA by transfer from Mutual Fund account?

This gets weirder all the time. I just noticed that the transaction I did a week ago for my wife did not complete successfully, so I was mistaken about that. The fund in the Mutual Fund account was sold, and now sits in the PMM fund in that account. It did not make it to the IRA. In my previous effo...
by amarone
Mon Mar 07, 2016 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Has anyone funded a Vanguard IRA by transfer from Mutual Fund account?
Replies: 8
Views: 538

Re: Has anyone funded a Vanguard IRA by transfer from Mutual Fund account?

I have funded IRA contributions from a taxable vanguard mutual fund account in the past and was able to specify dollars. Be aware that you're actually selling shares of the fund that you're exchanging from so there will be capital gains tax issues unless you're exchanging from a Money Market Fund. ...
by amarone
Mon Mar 07, 2016 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Has anyone funded a Vanguard IRA by transfer from Mutual Fund account?
Replies: 8
Views: 538

Re: Has anyone funded a Vanguard IRA by transfer from Mutual Fund account?

I have funded IRA contributions from a taxable vanguard mutual fund account in the past and was able to specify dollars. Be aware that you're actually selling shares of the fund that you're exchanging from so there will be capital gains tax issues unless you're exchanging from a Money Market Fund. ...
by amarone
Mon Mar 07, 2016 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Has anyone funded a Vanguard IRA by transfer from Mutual Fund account?
Replies: 8
Views: 538

Has anyone funded a Vanguard IRA by transfer from Mutual Fund account?

A week or two ago I funded my wife's tIRA by exchange from her Vanguard mutual fund account into her Vanguard tIRA. This worked ok apart from the issue that I had to enter a number of shares to exchange (i.e. sell), and I could not calculate exactly what would be needed to get $6,500. So I went a li...
by amarone
Sun Feb 28, 2016 6:47 am
Forum: Personal Consumer Issues
Topic: Comcast negotiations
Replies: 19
Views: 2281

Re: Comcast negotiations

Would you be happy with the $120 rate? Take the triple play and just do not use the phone number. Do not port your current phone to them. You get the $120 triple play and a phone number you do not use. That doesn't seem like a great solution. At the end of the year they probably get raised to $200 ...
by amarone
Tue Feb 23, 2016 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: What insurance/warranty products do you consider a waste of money?
Replies: 64
Views: 4868

Re: What insurance/warranty products do you consider a waste of money?

betterfinances, Am I correct to assume that you do not carry umbrella insurance? I do not believe that insurance company will sell you umbrella insurance if you do not carry comprehensive car insurance. I don't think that is correct. They will require you to have a high level of liability/property ...
by amarone
Thu Feb 18, 2016 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Blue raised my interest rate to 29.5%?!
Replies: 19
Views: 2685

Re: Amex Blue raised my interest rate to 29.5%?!

Another user of the original Blue Cash here. I got $1,550 cash back in 2015 and $1,650 in 2014.
by amarone
Wed Feb 17, 2016 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Blue raised my interest rate to 29.5%?!
Replies: 19
Views: 2685

Re: Amex Blue raised my interest rate to 29.5%?!

Are you sure you read the letter correctly? I received a letter that sounds like yours and it said that IF I did something such as fail to make a payment, then the penalty rate they may apply has been increased to 29.49%
by amarone
Sat Feb 13, 2016 10:02 am
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 100
Views: 19404

Re: Banned from Home Depot Returns

Something is strange about this scenario. The key here is that the purchase was made using a gift card. It seems that HD treats receipted returns of items purchased with gift cards the same as no-receipt returns. I think this is an HD specific twist in how they implemented their TRE verification sy...
by amarone
Sat Feb 13, 2016 8:51 am
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 100
Views: 19404

Re: Banned from Home Depot Returns

Anyone have any experience with this? Super disappointed in Home Depot, and very confused. This happens when you return without a receipt and want a gift card - they take your info and when it hits a certain threshold, you can no longer return for a period of time. I purchase something from Home De...
by amarone
Sat Feb 13, 2016 8:43 am
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 100
Views: 19404

Re: Banned from Home Depot Returns

I am retired now, but my previous company developed a refund management product (not the one used by Home Depot). Returns are a huge deal for retailers. About 10% of them are fraudulent. Here is how our system worked, which answers/confirms some of the comments in this thread: I understand the valu...
by amarone
Sat Feb 13, 2016 7:41 am
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 100
Views: 19404

Re: Banned from Home Depot Returns

I am retired now, but my previous company developed a refund management product (not the one used by Home Depot). Returns are a huge deal for retailers. About 10% of them are fraudulent. Here is how our system worked, which answers/confirms some of the comments in this thread: Details of the existin...
by amarone
Wed Jan 20, 2016 3:22 pm
Forum: Personal Consumer Issues
Topic: Buy a house with pool & What to look for?
Replies: 20
Views: 1832

Re: Buy a house with pool & What to look for?

I have an inground pool, and do the maintenance my self. Noway, nohow do I spend anywhere near what amarone mentions, but he/she is using a pool service. I spend no more than $300 a year on chemicals and the occasional water topping off. I replaced the pump a few years ago, and I think that was $20...
by amarone
Wed Jan 20, 2016 9:29 am
Forum: Personal Consumer Issues
Topic: Wifi Thermostat??
Replies: 39
Views: 4980

Re: Wifi Thermostat??

I bought a couple of Honeywells 2 - 3 years ago and have been happy with them. However, if I were starting now I would not look at thermostats in isolation. I would determine the best home automation system or standard and then choose thermostats compatible with that.
by amarone
Wed Jan 20, 2016 9:24 am
Forum: Personal Consumer Issues
Topic: Home WiFi extender
Replies: 20
Views: 1574

Re: Home WiFi extender

Wifi extender aka repeater aka booster do work, but they are not the best solution if you want high performance wifi. I would only use an extender if there was no other workable solution. What an extender does is connect to the wifi router as a single wifi client and rebroadcast the signal. Because...
by amarone
Wed Jan 20, 2016 9:11 am
Forum: Personal Consumer Issues
Topic: Amazon Prime: doing the math...is it worth it?
Replies: 92
Views: 8929

Re: Amazon Prime: doing the math...is it worth it?

It is difficult to work out the benefit in pure dollars (doing the math). We get a free Kindle book per month. Value $60 (only otherwise cheap books are available). Free shipping - as others have said, we could mostly get free shipping simply by choosing the slower option that is free to non-Prime m...
by amarone
Wed Jan 20, 2016 7:52 am
Forum: Personal Consumer Issues
Topic: Buy a house with pool & What to look for?
Replies: 20
Views: 1832

Re: Buy a house with pool & What to look for?

We bought a house with a pool almost exactly 3 years ago. It had been neglected somewhat and I don't think we have reached "steady state" costs yet, but we have spent $17,000 in 3 years, excluding the additional electricity for pumps (it is not heated) and water bills. They probably boost ...
by amarone
Fri Jan 15, 2016 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Help - want to pay "cash" for a car
Replies: 68
Views: 4223

Re: Help - want to pay "cash" for a car

As far as the insurance issue mentioned above, in MY STATE (it varies) if you have a policy it automatically covers any new vehicle you acquire for up to 30 days with the same coverage as your other highest level insured vehicle. Your old insurance card is just fine. It also varies by dealer policy...
by amarone
Fri Jan 15, 2016 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Help - want to pay "cash" for a car
Replies: 68
Views: 4223

Re: Help - want to pay "cash" for a car

I would be shocked if a reputable dealer would accept actual cash that large. Most wouldn't. Is that something you know or are assuming? A dealer would have to report any payment of $10k or more to the IRS, but the IRS says: auto dealerships frequently receive cash in excess of $10,000 and are requ...
by amarone
Thu Jan 14, 2016 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Help - want to pay "cash" for a car
Replies: 68
Views: 4223

Re: Help - want to pay "cash" for a car

Like others, I pay with a personal check. However, last year the dealer refused to accept my check - I was using a check that draws on one of my Vanguard funds. It was the first check I was writing against that fund. The dealership refused it, citing a rule the owner put in place that they will not ...
by amarone
Mon Dec 21, 2015 4:04 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on groceries?
Replies: 109
Views: 8480

Re: How much do you spend on groceries?

To all the Bogleheads here and the philosophy of index funds and the low costs of such. When you see the large amount that some people spend on groceries you have to wonder how that fits in with the philosophy. Saving percentages per year on index funds verses other funds is contraindicated by the ...
by amarone
Sun Dec 20, 2015 6:11 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on groceries?
Replies: 109
Views: 8480

Re: How much do you spend on groceries?

According to Quicken, $875/month for 2 adults and one teenager. That is Supermarket spending, so will also include non-food items such as cleaning and paper goods, beer, shampoo/soap/toothpaste/deodorant etc.. It excludes eating out.

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