Search found 308 matches

by bogleviewer
Sat Jan 21, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Charges vs Contract Price - Non Covered Work
Replies: 55
Views: 1591

Re: Medical Charges vs Contract Price - Non Covered Work

The question that comes to my mind is why your insurance company bothered to report on the EOB what they would have allowed had it been a covered expense. It seems to me that the insurance company would have been completely within its rights to issue you an EOB that simply stated that the entire $5...
by bogleviewer
Sat Jan 21, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Charges vs Contract Price - Non Covered Work
Replies: 55
Views: 1591

Re: Medical Charges vs Contract Price - Non Covered Work

The doctor spent 5 minutes each visit in your room. You have part of the equation but you need to give us the rest. How much time did he spend on your case outside the room? On the computer checking labs, vitals, reading through all the other chart notes from other doctors/nurses, writing his own c...
by bogleviewer
Sat Jan 21, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Charges vs Contract Price - Non Covered Work
Replies: 55
Views: 1591

Re: Medical Charges vs Contract Price - Non Covered Work

The question that comes to my mind is why your insurance company bothered to report on the EOB what they would have allowed had it been a covered expense. It seems to me that the insurance company would have been completely within its rights to issue you an EOB that simply stated that the entire $5...
by bogleviewer
Sat Jan 21, 2017 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Medical Charges vs Contract Price - Non Covered Work
Replies: 55
Views: 1591

Re: Medical Charges vs Contract Price - Non Covered Work

Despite posting in two different threads and receiving many good explanations (which you seem to have disregarded or ignored), you still seem to have zero understanding about how medical billing works and what each involved party (particularly the doctors) are able to do or not do. Specifically, do...
by bogleviewer
Sat Jan 21, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Medical Charges vs Contract Price - Non Covered Work
Replies: 55
Views: 1591

Re: Medical Charges vs Contract Price - Non Covered Work

The doctor spent 5 minutes each visit in your room. You have part of the equation but you need to give us the rest. How much time did he spend on your case outside the room? On the computer checking labs, vitals, reading through all the other chart notes from other doctors/nurses, writing his own c...
by bogleviewer
Fri Jan 20, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Charges vs Contract Price - Non Covered Work
Replies: 55
Views: 1591

Re: Medical Charges vs Contract Price - Non Covered Work

You chose a plan (grandfathered non-ACA?) that doesn't cover some forms of care. You (your family) received the care it doesn't cover. Your insurance isn't covering that care. Because the care wasn't covered at all, you don't benefit from the insurance company's negotiated rates. Did you save enoug...
by bogleviewer
Fri Jan 20, 2017 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Charges vs Contract Price - Non Covered Work
Replies: 55
Views: 1591

Medical Charges vs Contract Price - Non Covered Work

I just received a bill from a physician [pediatrician] group that circles the hospital where my child was born. Our primary pediatrician doesn't do rounds in the hospital which I assume isn't out of his own choice because his office is less than a mile away from the hospital (I assume hospitals only...
by bogleviewer
Fri Jan 20, 2017 4:14 pm
Forum: Personal Consumer Issues
Topic: Medical Billing Disagreement - Stark Law
Replies: 63
Views: 3392

Re: Medical Billing Disagreement - Stark Law

I think there's a difference between what you are describing and a hey, do you want me to put some topical on that to make it go away. And $400 later is the bill. When the price is not called out, the expectation is that its a reasonable price. To anyone outside of medicine that doesn't work on thi...
by bogleviewer
Thu Jan 19, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Medical Billing Disagreement - Stark Law
Replies: 63
Views: 3392

Re: Medical Billing Disagreement - Stark Law

Doctors' offices are different because they don't bill for their time like lawyers, but I bet on a daily/weekly/monthly basis basis they have revenue targets to cover their overhead and salaries. Should they pass on the $100 revenue from wart cream so that they can charge you $100 later to look at ...
by bogleviewer
Thu Jan 19, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: Medical Billing Disagreement - Stark Law
Replies: 63
Views: 3392

Re: Medical Billing Disagreement - Stark Law

Not a Doctor, but as a Lawyer who would bill $40 for a 5 second phone call, you're not paying for 5 minutes of time and one penny of compound. It's 5 minutes of time (plus 20 minutes of time later for notes), 1 penny of compound, 4 years of medical school, 3 years of residency, an electric bill, wa...
by bogleviewer
Thu Jan 19, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: Medical Billing Disagreement - Stark Law
Replies: 63
Views: 3392

Re: Medical Billing Disagreement - Stark Law

Sometimes a dermatologist will shave a wart before applying the chemical. If that happened, then it would explain the charge for surgery. Nope, he didn't shave the wart before applying the chemical. I would be satisfied with NO CHARGE to come back in and have him freeze it or scalpel remove it; but...
by bogleviewer
Thu Jan 19, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Medical Billing Disagreement - Stark Law
Replies: 63
Views: 3392

Re: Medical Billing Disagreement - Stark Law

...... ask for the charge to be waived. That was the purpose of the call i placed and the office manager was nasty about it and said that it is illegal due to Stark Law to make any changes after billing was sent to insurance. I called my insurance and they said that the provider can rebill and remo...
by bogleviewer
Thu Jan 19, 2017 1:55 pm
Forum: Personal Consumer Issues
Topic: Medical Billing Disagreement - Stark Law
Replies: 63
Views: 3392

Re: Medical Billing Disagreement - Stark Law

No, just bring it up at the next scheduled appointment. I hope OP is not planning to switch care (if he/she likes the doc otherwise)for the billing issue which is pretty much universal and out of the doc's control I completely agree which is why I think that this is *should be* an easy business dec...
by bogleviewer
Thu Jan 19, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Medical Billing Disagreement - Stark Law
Replies: 63
Views: 3392

Re: Medical Billing Disagreement - Stark Law

That, however, does not excuse his office staff. Nastiness should not be tolerated, ever. Please bring it to his/her notice at the next visit. So he/she needs to make another Doc appointment, pay the co-pay or deductible, just to tell the physician that the staff is rude? That is the tricky part ri...
by bogleviewer
Thu Jan 19, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Medical Billing Disagreement - Stark Law
Replies: 63
Views: 3392

Medical Billing Disagreement - Stark Law

I am in a disagreement situation with a medical provider and need some outside opinions. Without going into details, I disagree with a doctor in billing for a "surgery" when we went in for an office visit. The super high level is that we went in for an office visit, the doctor applied some...
by bogleviewer
Thu Jan 05, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Private Foundation and volunteer time and travel expense
Replies: 0
Views: 117

Private Foundation and volunteer time and travel expense

Can a director or someone on the board expense out travel to reach a location to volunteer for another non-profit? This is in regards to a private, non operating foundation (commonly known as a grant making private foundation). From the IRS website and resources from searching online I can't seem to...
by bogleviewer
Thu Jan 05, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance payout legal language
Replies: 7
Views: 917

Re: Insurance payout legal language

Any other feedback?

This is a commercial building wind storm damage claim.
by bogleviewer
Wed Jan 04, 2017 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance payout legal language
Replies: 7
Views: 917

Insurance payout legal language

I am helping a family member with a "release" document from an insurance company to release them (the insurance company) of all claims from my family member; the release also states a dollar figure they are giving to the family member for the family member to sign the release. In the relea...
by bogleviewer
Sat Dec 24, 2016 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Donating Appreciated Stock (securities)
Replies: 7
Views: 556

Donating Appreciated Stock (securities)

I've changed out the numbers but dates and general concept is there. On 9/28/2015 I purchased 1000 shares @ $100. Total cost of transaction: $100,000 On 12/11/2015 I purchased 250 shares @ $125. Total cost of transaction: $31,250 On 1/15/2016 I purchased 100 shares @ 100. Total cost of transaction: ...
by bogleviewer
Mon Jun 27, 2016 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: New Bank Account for Rental?
Replies: 10
Views: 1027

Re: New Bank Account for Rental?

I think i'll use a stagnant account. I have too many bank accounts as it is chasing rewards, moving, etc and I keep them open because I figured there is nothing to gain by closing them. I won't get a "rental only" credit card because I only see once or twice a year a series of charges and ...
by bogleviewer
Thu Jun 23, 2016 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: New Bank Account for Rental?
Replies: 10
Views: 1027

New Bank Account for Rental?

Bought a different house that will be moving into. Going to rent out the current home. For those of you in the similar boat, did you open up a new bank account for the security deposit and/or the rental monthly payments? I'm not in the rental business and i'm not planning on collecting funds as a bu...
by bogleviewer
Wed Jun 01, 2016 6:30 pm
Forum: Personal Consumer Issues
Topic: Entertainment Center (location for TV)
Replies: 10
Views: 674

Re: Entertainment Center (location for TV)

I'm not opposed to having it on the wall.... in fact I would prefer it. However, it would be the main TV with bluray player, receiver, amp, sub-woofer, etc. How do people organize these other gadgets when the TV is wall mounted?
by bogleviewer
Wed Jun 01, 2016 5:55 pm
Forum: Personal Consumer Issues
Topic: Entertainment Center (location for TV)
Replies: 10
Views: 674

Entertainment Center (location for TV)

Where do you guys go to look at or order an entertainment center? We are looking at purchasing a 75" screen for a large room and so I have specific dimensions that the TV has to fit in. Most of the stuff i've seen doesn't have an opening nearly as large as I need for that size screen. Do you ju...
by bogleviewer
Mon May 23, 2016 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: HSA and the 5498-SA form
Replies: 3
Views: 440

Re: HSA and the 5498-SA form

Thanks Spirit Rider... when I went to the IRS website it had instructions for 2016 by default and I had ot do some digging to pull up[ 2015 instructions because 2015 instructions, believe it or not, are not the same as 2014 or 2016 instructions.
by bogleviewer
Mon May 23, 2016 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: HSA and the 5498-SA form
Replies: 3
Views: 440

HSA and the 5498-SA form

I contributed before April 15th 2015 for the 2014 contribution. I also contributed my 2015 contribution after April 15th 2015 but before Dec 31st 2015. I got a HSA 5498-SA form saying that total contributions for 2015 was that pre April 15th 2015 contribution and the post April 15th 2015 contributio...
by bogleviewer
Wed May 18, 2016 8:57 pm
Forum: Personal Consumer Issues
Topic: Dark wood tile floors (not real wood)
Replies: 10
Views: 1442

Re: Dark wood tile floors (not real wood)

Anyone else have some feedback?

For those of you have responded, any pics of your floor? :)
by bogleviewer
Wed May 18, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: Dark wood tile floors (not real wood)
Replies: 10
Views: 1442

Dark wood tile floors (not real wood)

Does anyone have wood tile floors, specifically dark hard wood tile. I'm not talking about real wood, but porcelain wood look/feel tile. I ask because a buddy of mine said that he had REAL dark hard wood floors in one of his homes and it was a nightmare for cleaning. He said that every spec of dust ...
by bogleviewer
Tue May 03, 2016 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting Valuable Stock to Charity
Replies: 9
Views: 965

Re: Gifting Valuable Stock to Charity

Blast, seems as though as long as it is short term then the most you can deduct is your basis in the stock. So in this case, if I donated it as it (as a short term gain which would be to my ordinary income tax rate) then I would only get $10,000 deduction instead of the $20,000 even though it has a ...
by bogleviewer
Tue May 03, 2016 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting Valuable Stock to Charity
Replies: 9
Views: 965

Gifting Valuable Stock to Charity

I am all index, except for one little stock of which it has doubled in value in the past few months. I don't want to hold it for longer than a year and I don't want to pay 50% income tax on it so I figured I could probably gift it to charity, not claim the income but then get dollar for dollar chari...
by bogleviewer
Tue May 03, 2016 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: What Rate for Excellent Mortgage Lock
Replies: 7
Views: 683

Re: What Rate for Excellent Mortgage Lock

You can still get PenFEd 30 year at 3.375 with 1.375 points and about every other week they drop it to 3.25% for a couple of days. You might number crunch that one. My rate sheet for my lock has 3.25% costing less than 1.00 point. So total discount fees is roughly $4500. So what I already have lock...
by bogleviewer
Tue May 03, 2016 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: What Rate for Excellent Mortgage Lock
Replies: 7
Views: 683

What Rate for Excellent Mortgage Lock

Fellow Boglehead's, I am purchasing a home. The total loan costs EXCLUDING the credit/discount for the rate is $2,500 which includes all title work, appraisal, recording fees, etc. I am locked on a conventional non-jumbo conforming loan ($417,000) with no mortgage insurance. Below are the options I ...
by bogleviewer
Thu Apr 14, 2016 6:35 pm
Forum: Personal Consumer Issues
Topic: Air conditioning tech during inspection period
Replies: 6
Views: 983

Air conditioning tech during inspection period

Buying a house that has 3 air conditioner units. Just spent $650 on an inspection that was very helpful. He documented that each air conditioner did what it should in terms of cooling, one heat pump didn't seem to work and that was about it. He doesn't do anything else. I was thinking about getting ...
by bogleviewer
Mon Apr 04, 2016 5:53 pm
Forum: Personal Consumer Issues
Topic: Office Phone Cord always bunched up
Replies: 13
Views: 1171

Office Phone Cord always bunched up

The stuff you ask on Bogleheads Forum! My office phone handset cord is ALWAYS bunched up. It is like 6 feet long and I have stood on my chair, holding it from the center, and let the handset do circles and circles and circles to unwind. Then it is a nice cord that doesn't bunch up....... for about 2...
by bogleviewer
Sun Apr 03, 2016 11:12 am
Forum: Personal Consumer Issues
Topic: Custom House Cost
Replies: 22
Views: 3081

Re: Custom House Cost

Cost, not how much a builder will charge. A custom home builder certainly needs to have a healthy margin which I would imagine is anywhere between 10 to 30 percent. I find it funny that specifying Wolfe or sub zero appliances somehow equates to a signicantly higher cost per sq when those items are o...
by bogleviewer
Sat Apr 02, 2016 6:32 pm
Forum: Personal Consumer Issues
Topic: Custom House Cost
Replies: 22
Views: 3081

Custom House Cost

I'm not looking for answers of "go talk to an architect/builder". I'm looking for extremely preliminary information on GENERAL custom home building costs. I'm looking for building costs, not total cost (including the lot). I've had this discussion with a few friends (only one of which has ...
by bogleviewer
Sat Apr 02, 2016 9:39 am
Forum: Investing - Theory, News & General
Topic: Dissapointed in Penfed: will nickle and dime you
Replies: 7
Views: 1564

Re: Dissapointed in Penfed: will nickle and dime you

You are not entitled to interest on the day that they paid you. You are however entitled to interest on the day you paid them.

If a few bucks is enough for you to not patronize them then I am sure there are plenty of others that will gladly take your business.
by bogleviewer
Wed Mar 30, 2016 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: finding a competent CPA
Replies: 4
Views: 622

Re: finding a competent CPA

Good luck. I've been through three CPA's in the last 10 years. Without fail, every year, on the "final return" for me to review I find amateur mistakes. The worst, by far, was a "DC first time home buyer credit" back in like 2008/2009 when I didn't live in DC and had the first ti...
by bogleviewer
Wed Mar 30, 2016 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate License for your own personal RE
Replies: 15
Views: 1589

Re: Real Estate License for your own personal RE

I see that it is very state specific. In terms of the seller paying commissions: yes, this is true, but if I represent myself as an agent then I get the buyer's agent commission. I believe there are firms where the broker won't take a large percentage but rather a flat fee such as $1000 or $500 or s...
by bogleviewer
Tue Mar 29, 2016 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate License for your own personal RE
Replies: 15
Views: 1589

Re: Real Estate License for your own personal RE

You don't need an agent to buy or sell a house and if you are buying from someone who has an agent that person will get commission from the seller regardless. Presumably that is priced into the house so you can't really get away from that part. If I am the real estate agent, then I get the commissi...
by bogleviewer
Tue Mar 29, 2016 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate License for your own personal RE
Replies: 15
Views: 1589

Real Estate License for your own personal RE

At first glance, it seems as though if you have a pulse you can get a real estate license. A little education, a test, and boom you have the license. Have any of you secured your real estate license for your own personal real estate (RE) purchases and sells? If I look to purchase a $1,000,000 proper...
by bogleviewer
Sun Mar 06, 2016 7:14 pm
Forum: Personal Consumer Issues
Topic: Bread - The Cost and Convenience
Replies: 94
Views: 10392

Bread - The Cost and Convenience

I am always amazed at how expensive quality bread is at the grocery store. A good quality loaf is $5. The only way I can reconcile that this is justifiable by the breadmakers/grocers is that people pay it. I know my family does. What is in bread? Water, flour, yeast, salt and a some seeds? Is bread ...
by bogleviewer
Sun Mar 06, 2016 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Pregnancy as an exclusion with insurance.... doh!
Replies: 11
Views: 1587

Pregnancy as an exclusion with insurance.... doh!

My wife is pregnant (yay!) and is about 16 weeks along or so. We went to an OB appointment with an ultrasound about a month ago and all was looking good. We are on a high deductible HSA plan that pays 100% after the in-network deductible is met that was my individual policy from 2012. I started brus...
by bogleviewer
Sun Jan 24, 2016 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Properly Assessing Public Schools
Replies: 55
Views: 4152

Properly Assessing Public Schools

A little past time that I enjoy is scoping around real estate using Zillow or the like. I don't have any kids in school yet, but one day I will and I want to make sure that the schools that my children attend are great schools. Funny thing is that Zillow pulls information from "greatschools.org...
by bogleviewer
Sun Jan 24, 2016 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Decipher real estate series of event
Replies: 6
Views: 1109

Re: Decipher real estate series of event

The bank that received it will be listed as the new property owner and that should be a public record. There is no harm in approaching them with your interest although it may be tough to get ahold of someone who can give you solid information. There is often confusion until the loan manager meets w...
by bogleviewer
Thu Jan 21, 2016 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Decipher real estate series of event
Replies: 6
Views: 1109

Decipher real estate series of event

There is a property in Arizona that I have been eyeing. It has been on the chopping block for public auction 3 times in the past 12 months with it being postponed the first two times a day or two before the auction was scheduled. This third go around it went to auction. The auction is the classic Ma...
by bogleviewer
Tue Jan 12, 2016 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth - Contribution Year Designation
Replies: 11
Views: 925

Re: Backdoor Roth - Contribution Year Designation

I do have a follow up question. I don't see a question. ohhh yes.. my question. Do you take donations? :) I just did my 2015 form 8606 myself after reading each line and following some of the instructions in the instructions sheet for wasn't super clear to me...... I came up with the exact same fig...
by bogleviewer
Tue Jan 12, 2016 1:51 am
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth - Contribution Year Designation
Replies: 11
Views: 925

Re: Backdoor Roth - Contribution Year Designation

Now the issue is getting it all back on track or if I HAVE TO continue doing what i've done (contribute before April 15th for the previous tax year and convert after April 15th which will show up in the current tax year). I can easily (cashflow wise) contribute the money for 2016's as well right no...
by bogleviewer
Mon Jan 11, 2016 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth - Contribution Year Designation
Replies: 11
Views: 925

Re: Backdoor Roth - Contribution Year Designation

If you're going to use the backdoor into Roth IRA, it is cleaner to make the contribution in the calendar year and convert in the same calendar year. E.g. for tax year 2015, contribute to IRA for 2015 in calendar 2015 and also convert in calendar 2015. If you wait until 2016 to contribute for 2015 ...
by bogleviewer
Mon Jan 11, 2016 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth - Contribution Year Designation
Replies: 11
Views: 925

Re: Backdoor Roth - Contribution Year Designation

Today I received a 1099-R for tax year 2015. Reflects $5500.04 gross distribution (BOX 1) Reflects $5500.04 taxable amount (BOX 2a) Distribution Code: 02 Box 2 code description on the 2nd page: "Early distribution, exception applies (under age 59 1/2). Box 1 informational says "This amount...
by bogleviewer
Mon Jan 11, 2016 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth - Contribution Year Designation
Replies: 11
Views: 925

Backdoor Roth - Contribution Year Designation

I have a scenario and would like some feedback. For the 2014 tax year I contributed to a non-deductible traditional IRA and then converted it over to a Roth (into a pre-existing Roth account) as Vanguard. I went to contribute to my 2015 tax year and Vanguard is showing that I have already contribute...

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