Search found 10606 matches

by dm200
Sun Jan 22, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Billing Disagreement - Stark Law
Replies: 95
Views: 4827

Re: Medical Billing Disagreement - Stark Law

This, as well as a similar post/discussion, points out to me how (so far at least) fortunate we are to be enrolled in Kaiser Permanente. While there can be billing/treatment confusion, you never get in the middle between the provider and the insurance company -- because they are the same.
by dm200
Sat Jan 21, 2017 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: When/If a degree is useful for software developers?
Replies: 42
Views: 2105

Re: When/If a degree is useful for software developers?

While it may often be the case that software developers can do very well without having a degree, nonetheless it is not uncommon that not having a Bachelors degree can screen you out of being considered for many positions. In some cases, it may not really matter if the degree is even relevant to the...
by dm200
Sat Jan 21, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Turned down for Citibank Costco Visa
Replies: 3
Views: 941

Re: Turned down for Citibank Costco Visa

I just got a letter from Citibank saying I've been turned down for a Citibank Costco Visa card. The reason given is "too many recent credit inquiries." The only thing we've done in the past year was apply for a Citibank business credit card about 1 year ago and get a mortgage to purchase ...
by dm200
Sat Jan 21, 2017 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Charges vs Contract Price - Non Covered Work
Replies: 83
Views: 2923

Re: Medical Charges vs Contract Price - Non Covered Work

I re-read my insurance contract and it says clearly that if one incurs a non-covered expense, one is responsible for 100% of the charge . Look at it this way, if an in-network dermatologist also performs (non covered) cosmetic moles removal, the patient will be responsible for 100% of the charge. T...
by dm200
Sat Jan 21, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Changing FICO Score
Replies: 29
Views: 1524

Re: Changing FICO Score

To the OP --- a simple solution is to pre-pay the week before departure, say $3000 into your Visa account. You now have total spending power of $7000. If that is not enough, adjust as needed. Worked fine on an Asia trip for us recently. I would not count on this. A growing "trend" is usin...
by dm200
Sat Jan 21, 2017 12:46 pm
Forum: Investing - Theory, News & General
Topic: Forever Stamps as an Investment?
Replies: 72
Views: 8352

Re: Forever Stamps as an Investment?

hicabob wrote:Costco was pushing the stamps last week. When solicited to buy stamps, the late twenties fellow in front of me responded that he had never used a stamp in his life!


:oops: :oops:
by dm200
Sat Jan 21, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Changing FICO Score
Replies: 29
Views: 1524

Re: Changing FICO Score

Anything over 750 is a perfectly good credit score. Mine usually moves around between 780 and 810. As I borrow less, I find that my score comes down . I doubt that credit score affected the credit limit. I suspect it was the internal policies of the issuer, including the length of time doing busine...
by dm200
Sat Jan 21, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Medical Charges vs Contract Price - Non Covered Work
Replies: 83
Views: 2923

Re: Medical Charges vs Contract Price - Non Covered Work

I re-read my insurance contract and it says clearly that if one incurs a non-covered expense, one is responsible for 100% of the charge . Look at it this way, if an in-network dermatologist also performs (non covered) cosmetic moles removal, the patient will be responsible for 100% of the charge. T...
by dm200
Sat Jan 21, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Medical Charges vs Contract Price - Non Covered Work
Replies: 83
Views: 2923

Re: Medical Charges vs Contract Price - Non Covered Work

Your assumption that the pediatric group accepted a $150 contract rate is almost certainly incorrect. You have an insurance plan that doesn't cover many common physician services. The allowable charge your insurer shows on the EOB has no meaning. It's made up by the insurer. (And I would bet in- vs...
by dm200
Sat Jan 21, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Medical Charges vs Contract Price - Non Covered Work
Replies: 83
Views: 2923

Re: Medical Charges vs Contract Price - Non Covered Work

to be clear it seems the pediatrician that saw the child in this case was not out of network; the $550 bill received by the OP is not a result of out-of-network charges, but rather non-contractually adjusted (full retail) charges as a result of the fact that the service provided was amongst the non...
by dm200
Sat Jan 21, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Medical Billing Disagreement - Stark Law
Replies: 95
Views: 4827

Re: Medical Billing Disagreement - Stark Law

As a physician I can say with confidence that most physicians know very little about billing and coding. Furthermore, for many of us our take home pay is very loosely associated with what is billed to patients. I have been a patient, and I know the panic that comes when receiving a bill or statemen...
by dm200
Fri Jan 20, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Basic question on Hybrid cars
Replies: 64
Views: 3482

Re: Basic question on Hybrid cars

With all due respect, this is about 5 years out of date. Sales for non-plug-in hybrids have been flat since before the collapse in gasoline prices. This was IMO a combination of saturation of the 'eco' crowd at a few percent of total sales AND the green torch being passed to plug-ins, cannibalizing...
by dm200
Fri Jan 20, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Closed Credit Accounts and Credit History
Replies: 4
Views: 447

Re: Closed Credit Accounts and Credit History

We recently paid off our HELOC. The credit reports now show as closed account and seems to be a slight decrease in credit worthiness. Strange (to me)
by dm200
Fri Jan 20, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: backyard - Accessory Dwelling Unit ...
Replies: 9
Views: 1277

Re: backyard - Accessory Dwelling Unit ...

Make sure you check out your local land use ordinance for details on what is and isn't allowed. You may be pleasantly surprised, but it's best to do this early. Absolutely! The rules can be both surprising and complex. It could be that some very simple choice could become a mess. Neighbors of ours ...
by dm200
Fri Jan 20, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Medical Billing Disagreement - Stark Law
Replies: 95
Views: 4827

Re: Medical Billing Disagreement - Stark Law

If physicians are needed to inform patients every time a CPT code maybe added or changed, your visits would be ridiculous. That would mean I would be informing patients of additional charges every time I ask questions about multiple diseases, ask comprehensive questions about symptoms, examine diff...
by dm200
Thu Jan 19, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: Basic question on Hybrid cars
Replies: 64
Views: 3482

Re: Basic question on Hybrid cars

In this area, I believe there may be a significant push on Hybrids and Plug-Ins because of the actual or perceived environmental benefits vs actual "bottom line" financial. The local government pushed hybrids for government use and gives extra breaks to cab companies that have a certain nu...
by dm200
Thu Jan 19, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Billing Disagreement - Stark Law
Replies: 95
Views: 4827

Re: Medical Billing Disagreement - Stark Law

We got billed for an office visit plus a surgery to the tune of $400. It was sent to insurance and insurance reprice was $200 split 50/50 between office visit and "surgery". The disagreement is that had the doctor made it clear that him offering to put some compound on it that should help...
by dm200
Thu Jan 19, 2017 3:38 pm
Forum: Investing - Theory, News & General
Topic: Fed Rate [may go] to 3% - [investing consequences?]
Replies: 83
Views: 7895

Re: Fed Rate [may go] to 3% - [investing consequences?]

boglephreak wrote:am i reading this right? she wants to increase it from the current 0.75% to 3.0% by 2019? is that a dramatic increase (seems so to me), and is it common to hike it so much in a relatively short time period?


I do not think this is that uncommon over history.
by dm200
Thu Jan 19, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Pay down 1.9% loan or invest
Replies: 56
Views: 3534

Re: Pay down 1.9% loan or invest

Hey everyone, Quick overview of my financial situation...I max out 401k (18k/yr) Roth IRA (5k/yr) and HSA (3.4k/yr) every year and have 12 months expenses in an emergency fund. My job is fairly stable. I'm 30, single, no kids. The only debt I have is $9k on a car loan at 1.9% I want to bring my eme...
by dm200
Thu Jan 19, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Basic question on Hybrid cars
Replies: 64
Views: 3482

Re: Basic question on Hybrid cars

If you want to see where the EV chargers are, there is a free mapping app called 'plugshare' for smart phones and the web. http://www.plugshare.com/


Wow! Many places near where I live! Never realized it.
by dm200
Wed Jan 18, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B costs
Replies: 14
Views: 1205

Re: Medicare Part B costs

Medicare premiums until this year were the same for all who had it deducted from SS for the last couple years (people with higher income do pay more). In 2017 Medicare premiums increased by .3% of your SS benefit which is the SS Cola for 2017. So if a persons benefit was $1000, their premium increa...
by dm200
Wed Jan 18, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 10088

Re: Why nobody understands importance of high-deductible insurance?

The same way Medicare is administered, which is at much lower cost than insurance companies. There are many differences between Medicare and Health Insurance Companies that make comparisons difficult and/or unfair. Medicare gets a known stream of income from nearly working person and not just from ...
by dm200
Wed Jan 18, 2017 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 10088

Re: Why nobody understands importance of high-deductible insurance?

You'll get no argument from me on this. For-profit insurance companies are needless middlemen, and should not exist . This would be one easy way to reduce costs. But the doctor will likely still need administrative staff regardless of whether the are dealing with a for-profit, non-profit or governm...
by dm200
Wed Jan 18, 2017 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B costs
Replies: 14
Views: 1205

Re: Medicare Part B costs

One listed the Medicare monthly premium as $110, the other listed it as $106. They filed about three years apart in the late 1980s. This doesn't make sense. They should be similar or identical. The $106 is the amount charged for a number of years and the $110 seems consistent with the "hold ha...
by dm200
Wed Jan 18, 2017 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 10088

Re: Why nobody understands importance of high-deductible insurance?

You'll get no argument from me on this. For-profit insurance companies are needless middlemen, and should not exist . This would be one easy way to reduce costs. But the doctor will likely still need administrative staff regardless of whether the are dealing with a for-profit, non-profit or governm...
by dm200
Wed Jan 18, 2017 5:28 pm
Forum: Investing - Theory, News & General
Topic: Fed Rate [may go] to 3% - [investing consequences?]
Replies: 83
Views: 7895

Re: Fed Rate to 3%

1. The Fed controls short term rates. Long term rates can move or not move very differently

2. This might be the intent, but economic (and perhaps other) changes may cause change to this intent.
by dm200
Wed Jan 18, 2017 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B costs
Replies: 14
Views: 1205

Re: Medicare Part B costs

I was looking at Social Security Benefits Verification letters for some relatives who are a married couple (and file a joint return). One listed the Medicare monthly premium as $110, the other listed it as $106. Both have their Medicare premiums deducted from their Social Security payments. I thoug...
by dm200
Wed Jan 18, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: Basic question on Hybrid cars
Replies: 64
Views: 3482

Re: Basic question on Hybrid cars

A Volt would work very well for me, except that I have no place at home to plug one in, short of running an extension cord out the window, up the driveway, and across the parking lot. The Chevy Malibu hybrid is also interesting. It uses the same drive train as the Volt, but tuned for operating only...
by dm200
Wed Jan 18, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: Stymied by my High Deductible policy, HAS, and the American medical system.
Replies: 40
Views: 2565

Re: Stymied by my High Deductible policy, HAS, and the American medical system.

Even though I have no medical credentials, I see real health value to me in my following my lab results. Over a period of time, for example, some test (or tests) may be in the "normal" range, continuous movement could indicate a harmful trend that is easier to "fix" before it get...
by dm200
Wed Jan 18, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: Stymied by my High Deductible policy, HAS, and the American medical system.
Replies: 40
Views: 2565

Re: Stymied by my High Deductible policy, HAS, and the American medical system.

Welcome to the healthcare racket. You can go in for a physical and ask for only basic labs covered by under preventative (lipids, glucose) but the doctor can order whatever tests he wants to see and then you are required to pay for them. I think this is why many people don't bother going in for the...
by dm200
Wed Jan 18, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 10088

Re: Why nobody understands importance of high-deductible insurance?

Here's mine: I needed an antibiotic from the pharmacy. My co-pay was $20. I knew this was a cheap medication. I asked the pharmacist what I would pay if I had no insurance and wanted to pay cash. Answer: $8. So I paid the $8. In this case, it was because the co-pay was set the same for all medicati...
by dm200
Wed Jan 18, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Credit Collection help needed
Replies: 22
Views: 1415

Re: Credit Collection help needed

I strongly dislike that the consumer gets thrown into collection because the hospital and insurance company cannot agree. Two Goliaths against one David. The hospital and insurance company were in agreement. The disagreement was between the OP and the insurance company. For various legitimate (and ...
by dm200
Wed Jan 18, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Credit Collection help needed
Replies: 22
Views: 1415

Re: Credit Collection help needed

There is another aspect of medical bills and credit reports. Credit reports usually identify the name and identifying information about the creditor for past due or collection information reported. That can be very helpful in resolving problems or errors. With recent changes in law or regulation, c...
by dm200
Tue Jan 17, 2017 11:46 pm
Forum: Personal Consumer Issues
Topic: Stymied by my High Deductible policy, HAS, and the American medical system.
Replies: 40
Views: 2565

Re: Stymied by my High Deductible policy, HAS, and the American medical system.

On the minus side, when I paid on the spot for a lab test, they told me they could not send the results to me, only to my doctor. Wait, it's my blood, my money, no insurance involved, and you can't send me a copy of the results? What a system. One thing I like about the Kaiser system is that I can ...
by dm200
Tue Jan 17, 2017 11:42 pm
Forum: Personal Consumer Issues
Topic: Stymied by my High Deductible policy, HAS, and the American medical system.
Replies: 40
Views: 2565

Re: Stymied by my High Deductible policy, HAS, and the American medical system.

When my wife was on an Obamacare individual policy with Kaiser, she was charged for blood tests done in relation to annual physical, although there was no copay for the office visit. I don't think most labs are owned by hospitals, although a lot may be. Under previous plans, when I would get an EOB,...
by dm200
Tue Jan 17, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 10088

Re: Why nobody understands importance of high-deductible insurance?

Negotiated rates the insurance company gets are far worse than you could get on your own without insurance. I do not understand this statement at all! For example, with various insurance coverage (many types) over the years, whenever I would see the EOB (Explanation of Benefits), the insurance comp...
by dm200
Tue Jan 17, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 10088

Re: Why nobody understands importance of high-deductible insurance?

for our Part D drug plan I found that plugging in our meds to check on various plans (which should be done annually) that usually the high premium, no deductible comes out less costly for us as always, it depends on the circumstances Yes, very dependent on details. Of course, medications can change...
by dm200
Tue Jan 17, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: If I decide to overpay on mortgage payment
Replies: 45
Views: 4299

Re: If I decide to overpay on mortgage payment

If this is the case (the interest is recomputed effectively each period), what is the point of the mortgage holder offering to re-amortize the loan? What do you mean by "reamortize"? If you mean actually modify the loan contract such that you are now obligated to pay the higher amount eac...
by dm200
Tue Jan 17, 2017 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Loaning $$$ to Vendor
Replies: 25
Views: 1074

Re: Loaning $$$ to Vendor

20% off would be until we use up the 20k ...] And that's it? You're giving them a $20K loan and for free? They should at least give you a long enough discount to compensate for the interest you would have earned if you left the money in the bank. No, if the stated "deal" and assumptions a...
by dm200
Tue Jan 17, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Basic question on Hybrid cars
Replies: 64
Views: 3482

Re: Basic question on Hybrid cars

You missed part of your youth if you never fell in love with a car. That car was like your first great lover, far more effort than it was worth, but boy was it great when it was going good ;-). Interestingly General Colin Powell's hobby was fixing old Volvos. He had a collection of 6 or 7 of them ;...
by dm200
Tue Jan 17, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Basic question on Hybrid cars
Replies: 64
Views: 3482

Re: Basic question on Hybrid cars

Forget hybrids in 5-10 years or less electric cars will out sell gas and hybrids because of their efficiency and practicality (less moving critical parts) When charging stations dot the highways and the cars get more mileage on a charge, I do not see any reason to stick with internal combustion eng...
by dm200
Tue Jan 17, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Basic question on Hybrid cars
Replies: 64
Views: 3482

Re: Basic question on Hybrid cars

I drive a hybrid, and get 40 mpg on a large car (Toyota Avalon). I would not to buy a hybrid if gas prices are under $4-5. It's just a waste of money, no offense, to the tune of a few thousand dollars. Beyond the initial extra costs, you also have to consider the replacement cost of the battery, cu...
by dm200
Tue Jan 17, 2017 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: If I decide to overpay on mortgage payment
Replies: 45
Views: 4299

Re: If I decide to overpay on mortgage payment

I think he is confusing how a standard mortgage works with how auto loans used to be calculated. Those loans (some are still given out to unwitting consumers today) had terms where the total amount of interest that would be charged is still paid by the borrower even if they prepay the principal. Th...
by dm200
Tue Jan 17, 2017 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Loaning $$$ to Vendor
Replies: 25
Views: 1074

Re: Loaning $$$ to Vendor

cheese_breath wrote:
jim_03 wrote:Vendor is a big time distributor and we have been doing business for atleast 5 years now...

Unfortunately that guarantees nothing. Go to Google, enter "bankrupt food distributors" and see what you get.


I agree.
by dm200
Tue Jan 17, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Credit Collection help needed
Replies: 22
Views: 1415

Re: Credit Collection help needed

There is another aspect of medical bills and credit reports. Credit reports usually identify the name and identifying information about the creditor for past due or collection information reported. That can be very helpful in resolving problems or errors. With recent changes in law or regulation, cr...
by dm200
Tue Jan 17, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Basic question on Hybrid cars
Replies: 64
Views: 3482

Re: Basic question on Hybrid cars

At one point I would never consider an automatic but in the past 5-8 years the better ones have become more competitive than the manuals they have replaced. I learned to drive on a manual transmission (three speed on the column) and like manual transmissions. Starting about 30-35 years ago, there b...
by dm200
Tue Jan 17, 2017 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Loaning $$$ to Vendor
Replies: 25
Views: 1074

Re: Loaning $$$ to Vendor

There is no repayment . We will be ordering 20k worth of stuff in the next 6 months and we don't need to pay for them . we will be getting 20% discount on our invoices OK, see it now. This is just prepaying future purchases - with a 20% discount for prepaying. I am not in this kind of business, but...
by dm200
Tue Jan 17, 2017 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Loaning $$$ to Vendor
Replies: 25
Views: 1074

Re: Loaning $$$ to Vendor

Happy New Year All! I have a situation and wanted to see what my fellow bogleheads would do and help me out with ideas. Me and my partner run a retail grocery store and one of our vendors have come up with a deal where he would give us discount in the below proportion over our invoices. If we loan ...
by dm200
Tue Jan 17, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Basic question on Hybrid cars
Replies: 64
Views: 3482

Re: Basic question on Hybrid cars

avalpert...... or we are automotive enthusiasts that pay notice of the exhaust note from an internal combustion engine. I for one will never own a hybrid until I have no other choice. Different strokes for different folks........... BTW, cars do indeed have souls IMHO. Many decades ago, I learned a...
by dm200
Tue Jan 17, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Basic question on Hybrid cars
Replies: 64
Views: 3482

Re: Basic question on Hybrid cars

Thanks to all for the "tutorial". I have never owned a hybrid, but do follow the trend towards hybrids. From what I read, now that hybrids, such as Prius, have been around for many years, many or most hybrids are among the highly rated vehicles and most of the initial fears of hybrids (suc...

Go to advanced search