Search found 334 matches

by bogleviewer
Wed Jun 14, 2017 5:59 pm
Forum: Personal Consumer Issues
Topic: Am I too far into the rabbit hole? (email with Gmail)
Replies: 29
Views: 3793

Am I too far into the rabbit hole? (email with Gmail)

I'm afraid I've stepped too far over the edge that it is futile to try to climb out of this hole. I have had a Gmail account since beta where an invite was needed. I don't recall how long ago but I would imagine over 15 years. Google knows who I bank with. Who I communicate with. What doctors I see....
by bogleviewer
Tue Jun 06, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: Real wood and carpet in a hot house
Replies: 13
Views: 1054

Re: Real wood and carpet in a hot house

Is there much difference between 85 and 95?
by bogleviewer
Tue Jun 06, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Real wood and carpet in a hot house
Replies: 13
Views: 1054

Real wood and carpet in a hot house

I have a home in Phoenix that has a lot of real wood for the doors, cabinets, office, etc. I'm not sure of the specimen, but I think it is Oak. I will be traveling for well over a month this summer and it will get over 90 degrees in the home; probably up to 95 for basically day and night in the hous...
by bogleviewer
Tue May 02, 2017 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrawing Funds early from a state retirement system
Replies: 7
Views: 693

Re: Withdrawing Funds early from a state retirement system

Was there matching money contributed by the school system? If the employer matched the contributions, then there is 30K in the system for your wife's benefit. If so, would you lose the additional money if you withdraw? That is how most of them work. If Arizona works like most other states cashing o...
by bogleviewer
Mon May 01, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrawing Funds early from a state retirement system
Replies: 7
Views: 693

Withdrawing Funds early from a state retirement system

My DW worked for a few years as a school teacher. She contributed around $15,000 to Arizona state retirement system. We believe that we will do a better job at investing the funds than the state, however, it is hard to put a dollar amount associated with other benefits. Any advice is greatly appreci...
by bogleviewer
Fri Apr 28, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: [Southwest] Airlines Rapid Rewards Dining
Replies: 11
Views: 986

[Southwest] Airlines Rapid Rewards Dining

We use to fly South West all of the time..... back in the day when their fares were better than everyone else. In the past 7 or 8 years we rarely fly them as they generally aren't the lowest fare and we don't the cow herding atmosphere. In any event, the last flight was 23 months ago and I read that...
by bogleviewer
Wed Apr 12, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Week in San Diego - What to do?
Replies: 35
Views: 2379

Week in San Diego - What to do?

I'll be in San Diego for pleasure for 7 days. I will be traveling with DW and two children under 4. Other than Seaworld, San Diego zoo and the potential trip up to Disneyland, what is there to do?

Any family friendly restaurants , beach, day-time activities, etc that you would recommend?
by bogleviewer
Fri Mar 17, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: Video Recording and Editing Software
Replies: 3
Views: 259

Video Recording and Editing Software

I am looking for opinions on video recording and editing software. Preferably all-in-one to lessen the learning curve. I'm looking at creating training material for how to use certain PC applications. I don't need fancy jump outs, titling, stock imaging or anything like that. Just screen capture wit...
by bogleviewer
Thu Mar 16, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Quiet Bedroom overhead fan
Replies: 25
Views: 1603

Re: Quiet Bedroom overhead fan

I am not a scientist, but I do not think a fan can move air without making noise. Even the bladeless Dyson fans/air movers make noise. Perhaps if it is nearly silent, it isn't moving much air. Checking the balance is a good start but it will only do so much. We splurged on a Haiku ceiling fan when ...
by bogleviewer
Thu Mar 16, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: Quiet Bedroom overhead fan
Replies: 25
Views: 1603

Quiet Bedroom overhead fan

Do fellow BH's have any recommendations on quieting an existing overhead fan, or better yet, can make a recommendation on an overhead bedroom fan that is virtually silent? In almost every bedroom in the house is an overhead fan. This house and our last house. In this house, they aren't cheap fans. I...
by bogleviewer
Wed Mar 08, 2017 6:37 pm
Forum: Investing - Theory, News & General
Topic: Why not hedge using futures?
Replies: 54
Views: 4062

Re: Why not hedge using futures?

Any other comments? :) :) :)
by bogleviewer
Fri Mar 03, 2017 3:01 pm
Forum: Investing - Theory, News & General
Topic: Why not hedge using futures?
Replies: 54
Views: 4062

Re: Why not hedge using futures?

I'm not sure I made the original post clear. I'm trying to reduce my equities exposure while not getting hit with a tax burden by selling some of the position. I have a fairly hefty sum of long term capital gains in index fund but it is beyond where I would want to be in such a short period of time....
by bogleviewer
Fri Feb 24, 2017 11:19 pm
Forum: Investing - Theory, News & General
Topic: Why not hedge using futures?
Replies: 54
Views: 4062

Re: Why not hedge using futures?

No way, too risky!!! Buy and hold, then buy some more! So do you simply stop buying if you are trying to "rebalance" or just let equities drop in value to get you back in balance? I'm not really sure about how buying more helps in a scenario where you are 100% stocks. If someone is 100% s...
by bogleviewer
Fri Feb 24, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Simple line item on IRS Form 8606 incorrect
Replies: 5
Views: 458

Re: Simple line item on IRS Form 8606 incorrect

Did you follow the instructions in the box below line 3? In 2016, did you take a distribution from traditional, SEP, or SIMPLE IRAs, or make a Roth IRA conversion? NO. Enter the amount from line 3 on line 14. Do not complete the rest of Part I. YES. Goto line 4. If you should have filled out line 4...
by bogleviewer
Fri Feb 24, 2017 5:03 pm
Forum: Investing - Theory, News & General
Topic: Why not hedge using futures?
Replies: 54
Views: 4062

Re: Why not hedge using futures?

That way you keep your account balances essentially "frozen" until you feel as though things are " normal "? Most bogleheads don't like strategies that involve "feel" and trying to decide what is "normal". I stopped trusting my "feelings" and stoppe...
by bogleviewer
Fri Feb 24, 2017 3:36 pm
Forum: Investing - Theory, News & General
Topic: Why not hedge using futures?
Replies: 54
Views: 4062

Re: Why not hedge using futures?

IMO Futures are a lot riskier than any other asset. You need to be on top of it and babysit your account every day. In other words you have no clue how much money you can lose/make in futures in the long term. I've used the tripple leverage funds in the past to hedge the risk temporarily but even t...
by bogleviewer
Fri Feb 24, 2017 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Simple line item on IRS Form 8606 incorrect
Replies: 5
Views: 458

Simple line item on IRS Form 8606 incorrect

Doh. I was prepping my 2016 income tax return and had to re-read the backdoor Roth reporting. I reviewed my prior years 8606 forms to make sure it makes sense, basis is correct, etc and I noticed on a prior year there is a line item 4 "enter those contributions included on line 1 that were made...
by bogleviewer
Fri Feb 24, 2017 2:14 pm
Forum: Investing - Theory, News & General
Topic: Why not hedge using futures?
Replies: 54
Views: 4062

Why not hedge using futures?

I've been seeing a lot of threads lately of "can this last?", "is it different this time?", "valuations!" The purpose of this thread is to discuss why not hedge using futures rather than rebalance if the discomfort is more than you can bare? If, instead of selling some ...
by bogleviewer
Fri Feb 10, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Return for New but Disolved entity?
Replies: 3
Views: 226

Re: Tax Return for New but Disolved entity?

SouthernCPA wrote:If this is a private foundation, I would file the 990-PF with no activity marking both initial and final on the 2016 Return. I would use the EIN you were just issued.

Private foundation requires getting that determination approval from the IRS first.... I believe...
by bogleviewer
Fri Feb 10, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Return for New but Disolved entity?
Replies: 3
Views: 226

Tax Return for New but Disolved entity?

The last part of December 2016 I submitted articles of incorporation with my state to form a business entity (a foundation). The IRS EIN system was down the last few days of December so I was unsuccessful in obtaining an employer identification number and therefore couldn't open up a bank account or...
by bogleviewer
Wed Jan 25, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Schedule E - Rental Income and Depreciation
Replies: 5
Views: 471

Re: Schedule E - Rental Income and Depreciation

hrmmm. turbo tax when I answer the questions is only giving me half of the value of the depreciation based upon the purchase price + improvements - land value at time of it becoming a rental because I only used it for 50% of the time in 2016. Wouldn't the correct math be to figure out the annual dep...
by bogleviewer
Wed Jan 25, 2017 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Schedule E - Rental Income and Depreciation
Replies: 5
Views: 471

Schedule E - Rental Income and Depreciation

I'm trying to maximize my deductions on Schedule E for a rental property that I own. I understand that whether or not I gain the benefit of a depreciation expense, the tax man will be recapturing it when I go to sell. I moved in 2016 and the house that we were using as our primary residence for the ...
by bogleviewer
Sat Jan 21, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: Learning Piano as an Adult
Replies: 13
Views: 1467

Re: Learning Piano as an Adult

The was a thread last month on this general topic. https://www.bogleheads.org/forum/viewtopic.php?t=204779 You might find it useful. lol i searched title's only for "piano" and "adult" but this is about instrument which indeed I am sure has some useful information. Will review. ...
by bogleviewer
Sat Jan 21, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: Learning Piano as an Adult
Replies: 13
Views: 1467

Learning Piano as an Adult

Have any of you learned the piano (or any instrument) as an adult with no musical background? I'm thinking about taking it up as I think it may be relaxing a fun little hobby. I know almost nothing about it except for a handful of lessons when a child. Is there a steeper learning curve for an adult ...
by bogleviewer
Sat Jan 21, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Charges vs Contract Price - Non Covered Work
Replies: 83
Views: 3885

Re: Medical Charges vs Contract Price - Non Covered Work

Maybe the medical practice knows that patients with no insurance are very unlikely to pay their bill. They might have figured out that an insurance adjusted payment of $150 is equivalent to a $550 nonpayment write off for the business. What would be the purpose of this? So that they can send $550 t...
by bogleviewer
Sat Jan 21, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Billing Disagreement - Stark Law
Replies: 95
Views: 6019

Re: Medical Billing Disagreement - Stark Law

toofache32 - The derm owns the practice.... it is his name and he has no other doctors or PA's listed as providers. "How much will this procedure cost? Is it covered by insurance?" Just in the same way you don't give a mechanic cart blanche to "fix" anything they find without a q...
by bogleviewer
Sat Jan 21, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Charges vs Contract Price - Non Covered Work
Replies: 83
Views: 3885

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: 83
Views: 3885

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: 83
Views: 3885

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: 83
Views: 3885

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: 83
Views: 3885

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: 83
Views: 3885

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: 83
Views: 3885

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 Finance (Not Investing)
Topic: Medical Billing Disagreement - Stark Law
Replies: 95
Views: 6019

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 Finance (Not Investing)
Topic: Medical Billing Disagreement - Stark Law
Replies: 95
Views: 6019

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 Finance (Not Investing)
Topic: Medical Billing Disagreement - Stark Law
Replies: 95
Views: 6019

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 Finance (Not Investing)
Topic: Medical Billing Disagreement - Stark Law
Replies: 95
Views: 6019

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 Finance (Not Investing)
Topic: Medical Billing Disagreement - Stark Law
Replies: 95
Views: 6019

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 Finance (Not Investing)
Topic: Medical Billing Disagreement - Stark Law
Replies: 95
Views: 6019

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 Finance (Not Investing)
Topic: Medical Billing Disagreement - Stark Law
Replies: 95
Views: 6019

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 Finance (Not Investing)
Topic: Medical Billing Disagreement - Stark Law
Replies: 95
Views: 6019

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: 172

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: 1097

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: 1097

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: 670

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: 1084

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: 1084

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: 729

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: 729

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: 475

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.

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