Search found 798 matches

by Small Law Survivor
Wed Jul 15, 2020 1:55 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 112
Views: 11794

Re: what is your weekly workout routine?

Darn! Until mid-March I would go to Lifetime Fitness in Westwood Mass. I'd start with treadmill for around 20 minutes. Then do weight machines. Sometimes go up to the third floor and do yoga. Sometimes attend a spin or exercise class. Then, I'd always shoot hoops for around 20 minutes, as long as a ...
by Small Law Survivor
Sat Jul 04, 2020 8:26 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 798
Views: 43823

Re: What are you listening to now

Faerris wrote:
Fri Jan 10, 2020 11:38 pm
King Crimson - In the Court of the Crimson King (1969)

Amazing album, best listened to with noise canceling headphones in a dark room while lying down. :D
+1
by Small Law Survivor
Fri Jul 03, 2020 3:42 pm
Forum: Personal Consumer Issues
Topic: Getting a Refund (or any response) from Delta Seems Impossible
Replies: 29
Views: 1792

Re: Getting a Refund (or any response) from Delta Seems Impossible

This had a happy ending, assuming Delta doesn't go bankrupt in the next two months. Upon studying my wife's records I discovered she had made this reservation through Expedia. This, despite emails from Delta directly, and the credit card charge was to Delta, not Expedia. I called Expedia, got throug...
by Small Law Survivor
Wed Jul 01, 2020 3:27 pm
Forum: Personal Consumer Issues
Topic: Getting a Refund (or any response) from Delta Seems Impossible
Replies: 29
Views: 1792

Re: Getting a Refund (or any response) from Delta Seems Impossible

Have tried to pull the flight up on Delta a few times, and tried again just now - no luck. I then checked the flights - it was a round trip w/transfers both ways, so four flights. I found three of the flights that are on time/not cancelled, but the fourth flight (Detroit to Boston), pulled up a comp...
by Small Law Survivor
Wed Jul 01, 2020 2:00 pm
Forum: Personal Consumer Issues
Topic: Getting a Refund (or any response) from Delta Seems Impossible
Replies: 29
Views: 1792

Re: Getting a Refund (or any response) from Delta Seems Impossible

Don't worry, I'm not going in to Logan Airport :) Tried Twitter and they said go to the Delta web page and use the "messaging system" there. Have been waiting five hours now ... Hate to use Facebook - am a bit of a Facebook Luddite. Yes, have emails confirming the original booking. No email cancelli...
by Small Law Survivor
Wed Jul 01, 2020 11:46 am
Forum: Personal Consumer Issues
Topic: Getting a Refund (or any response) from Delta Seems Impossible
Replies: 29
Views: 1792

Re: Getting a Refund (or any response) from Delta Seems Impossible

linakin wrote:
Wed Jul 01, 2020 11:35 am
I would think you'd still be able to bring up your itinerary from your confirmation number?
Yes, this is what mystifies me.
by Small Law Survivor
Wed Jul 01, 2020 11:25 am
Forum: Personal Consumer Issues
Topic: Getting a Refund (or any response) from Delta Seems Impossible
Replies: 29
Views: 1792

Getting a Refund (or any response) from Delta Seems Impossible

My wife booked and paid for a trip from Boston to St. Paul, pre-Covid. $350 fare. The trip was scheduled to begin later this week. A month or so ago we went onto the Delta site and entered the confirmation number and related info, and nothing came back. It appears the reservation no longer exists. I...
by Small Law Survivor
Tue Jun 23, 2020 8:18 am
Forum: Personal Investments
Topic: Required withdrawals from inherited non-qualified variable annuity
Replies: 4
Views: 228

Re: Required withdrawals from inherited non-qualified variable annuity

How would "withdraw over their lifetime according to an annuity schedule" be different from "(3) annuitize"?
by Small Law Survivor
Sun Jun 21, 2020 8:30 am
Forum: Personal Investments
Topic: Vanguard Personal Advisors Services
Replies: 78
Views: 5229

Re: Vanguard Personal Advisors Services

All this is why I’ve been thinking about the best ways to put my portfolio, withdrawals, beneficiaries, everything possible in full automatic when I turn 70 or so. Hopefully it won’t have to involve an investment advisor, and maybe not even a relative or fiduciary service. We’ll see, it’s down the ...
by Small Law Survivor
Thu May 21, 2020 1:36 pm
Forum: Personal Consumer Issues
Topic: Can I afford to buy an expensive guitar?
Replies: 34
Views: 1424

Re: Can I afford to buy an expensive guitar?

When I want to play a really nice acoustic, I go to Music Emporium in Lexington, MA. If electric, every Guitar Center and Music Go Round have excellent examples. You just have to ask them to get it down with a ladder. Don't be scared to do that. I've played a $350k acoustic at Music Emporium. Nothi...
by Small Law Survivor
Thu May 21, 2020 12:45 pm
Forum: Personal Consumer Issues
Topic: Can I afford to buy an expensive guitar?
Replies: 34
Views: 1424

Re: Can I afford to buy an expensive guitar?

I play, electric and acoustic. I bought a Taylor 510 in (drumroll ....) 1993. Have loved that guitar every day since. It was just like their ads - walked into a Guitar Center on Comm Ave in Boston. Had never heard of Taylor. Played a bunch of guitars and bought the Taylor. I think it cost me $1,000,...
by Small Law Survivor
Sun Apr 12, 2020 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Where To Put Living Expenses for Next Couple of Years?
Replies: 9
Views: 1572

Where To Put Living Expenses for Next Couple of Years?

I live almost entirely on my savings/investments. It seems imprudent to have short term living expenses (say next 12 months) in my usual investments: muni bond fund, Total Bond Fund, Intermediate Treasuries and similar. I'm wondering where to move money for living expenses during this volatile perio...
by Small Law Survivor
Sun Mar 29, 2020 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Estate planning recommendations: books, online courses, podcasts
Replies: 9
Views: 609

Re: Estate planning recommendations: books, online courses, podcasts

I recently read Get Your Ducks In a Row, The Baby Boomer's Guide To Estate Planning, by Harry Margolis, and found it quite educational. https://www.amazon.com/Get-Your-Ducks-Row-Planning-ebook/dp/B085QP2KJD/ref=sr_1_1?dchild=1&keywords=ducks+in+a+row&qid=1585493818&sr=8-1 Looking at it on Amazon I s...
by Small Law Survivor
Tue Feb 11, 2020 6:35 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27774

Re: What is the best concert you ever witnessed?

Woodstock (maybe The Who performance)
Cream - Psychedelic Supermarket, sometime in 1967
Rolling Stones Boston Garden, probably 1969

It's been all downhill for the last 50 years ....
by Small Law Survivor
Thu Jan 30, 2020 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Challenging a Fraudulent Credit Card Charge
Replies: 16
Views: 1779

Re: Challenging a Fraudulent Credit Card Charge

I really don't want to cancel my card, but I'm watching the account closely! Thanks.
by Small Law Survivor
Wed Jan 29, 2020 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Challenging a Fraudulent Credit Card Charge
Replies: 16
Views: 1779

Re: Challenging a Fraudulent Credit Card Charge

I called Chase and told them I wanted to escalate/appeal my complaint. They transferred me to a supervisor, who immediately said she would credit my account the amount at issue. I have to say, the people working for Chase are very courteous - I've called them a number of times with questions or issu...
by Small Law Survivor
Tue Jan 28, 2020 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Challenging a Fraudulent Credit Card Charge
Replies: 16
Views: 1779

Challenging a Fraudulent Credit Card Charge

My wife received an email from "COSTCO" - she could take a short survey and receive a sample product for shipping costs (under $5.00). To make a long story short, the offer had nothing to do with COSTCO. And, if you read the small print on the last of several web pages you learned that you were sign...
by Small Law Survivor
Sat Jan 25, 2020 10:00 am
Forum: Personal Investments
Topic: HSA and Death of Spouse
Replies: 5
Views: 688

Re: HSA and Death of Spouse

Looks to me like the 12 month rule quoted above applies to non-spouse beneficiaries. The surviving spouse inherits the HSA. It's always been my understanding that the surviving spouse can reimburse for the deceased spouse's medical expenses. I'd be surprised that were not the case.
by Small Law Survivor
Sat Jan 25, 2020 9:55 am
Forum: Personal Consumer Issues
Topic: Learning to read music
Replies: 31
Views: 1819

Re: Learning to read music

I studied classical piano as a teenager, and learned to sight read reasonably well. It wasn't terribly challenging to do slowly. I know there are pianists that can sight read complex pieces at full speed with no mistakes, and I never came close to that. I also learned and played guitar, and still pl...
by Small Law Survivor
Sat Jan 11, 2020 8:53 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4510
Views: 1264189

Re: What Book Are You Currently Reading? Part VI

Also reading (or finished over last year): Guns of August, Barbara Tuchman - this is a reread of this history of the events leading up to the commencement of WWI in August 1914 Testimony, Robbie Robertson - rock bio by one of founders of The Band. Quite good! Texas Flood, the Inside Story of Stevie ...
by Small Law Survivor
Fri Jan 10, 2020 4:32 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4510
Views: 1264189

Re: What Book Are You Currently Reading? Part VI

The Glory and the Dream, by William Manchester (1973) https://www.amazon.com/gp/product/B07NMH8ZV4/ref=dbs_a_def_rwt_hsch_vapi_tkin_p1_i7 I saw this book mentioned somewhere, and downloaded the (lengthy) sample on my Kindle. I will purchase the book when I get to the end of the sample. The descripti...
by Small Law Survivor
Wed Jan 01, 2020 6:34 pm
Forum: Personal Investments
Topic: Roth IRA - so who hit 'enter' at 12:01AM this morning?
Replies: 113
Views: 10978

Re: Roth IRA - so who hit 'enter' at 12:01AM this morning?

I'm planning to do a substantial TIRA to Roth conversion in 2020, but it never crossed my mind to do it (or that anyone would do it) in the wee hours of January 1st!
by Small Law Survivor
Tue Dec 31, 2019 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Financially Optimal Career Path: Investment Banker vs Management Consultant vs Software Engineer vs Doctor vs Lawyer
Replies: 45
Views: 4380

Re: Financially Optimal Career Path: Investment Banker vs Management Consultant vs Software Engineer vs Doctor vs Lawyer

Makes no sense at all to limit this to a ten year projection.

And, the number of lawyers working at Cravath (or comparable firms) after ten years is infinitesimal. Why do people go to law school when the average salary is relatively small? The lottery effect ....
by Small Law Survivor
Tue Dec 31, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Massachusetts BHs on Medicare: Options in Massachusetts?
Replies: 8
Views: 615

Re: Massachusetts BHs on Medicare: Options in Massachusetts?

I'm curious about how people that move to another state, or split their time between two states (snowbirds) handle supplemental plans. Assume someone has a Medigap plan in Massachusetts for a few years, and then they move to Florida. Are they required to then buy a Florida plan? How would the Massac...
by Small Law Survivor
Sun Dec 29, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Massachusetts BHs on Medicare: Options in Massachusetts?
Replies: 8
Views: 615

Re: Massachusetts BHs on Medicare: Options in Massachusetts?

This is all so bizarre, or byzantine. All that said, does my cost summary look correct (setting aside the fact that I could shop for a less expensive Part D)? Thanks!
by Small Law Survivor
Sat Dec 28, 2019 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Massachusetts BHs on Medicare: Options in Massachusetts?
Replies: 8
Views: 615

Re: Massachusetts BHs on Medicare: Options in Massachusetts?

My wife and I will be moving to Medicare sometime this year, and I'm educating myself on our options. By "this year", if you mean 2020 then Supplement 1 may not be an option for you. It is not available to those who are new to Medicare in 2020. So that may narrow your choices to just two plans: Cor...
by Small Law Survivor
Sat Dec 28, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Massachusetts BHs on Medicare: Options in Massachusetts?
Replies: 8
Views: 615

Massachusetts BHs on Medicare: Options in Massachusetts?

My wife and I will be moving to Medicare sometime this year, and I'm educating myself on our options. My first observation is that Medigap seems preferable to Medicare Advantage, and we will almost certainly use Medigap. However, it seems that Massachusetts is different from most states when it come...
by Small Law Survivor
Sun Dec 22, 2019 1:17 pm
Forum: Investing - Theory, News & General
Topic: Tax Law Changes for 2020
Replies: 355
Views: 28222

Re: Tax Law Changes for 2020

I thought I would just have to change a couple of cells on my spread sheet (for calculating my future RMDs), but now I wonder if this will change the RMD tables to a higher amount starting at 72.5? Assume the RMD tables remain the same - haven't seen any suggestion (yet) that they have been changed...
by Small Law Survivor
Tue Dec 17, 2019 8:45 am
Forum: Investing - Theory, News & General
Topic: Why Total Bond and not Treasuries?
Replies: 161
Views: 14931

Re: Why Total Bond and not Treasuries?

Believe Swedroe has long advocated for "pure" Treasury funds, such as Vanguard Intermediate Treasury.
by Small Law Survivor
Fri Dec 13, 2019 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Question to the Already Retired—Medicare
Replies: 47
Views: 3350

Re: Question to the Already Retired—Medicare

I'm hoping I can pay our Medicare Part B from our HSA account. It is a valid medical expense - if I pay it by check or credit card, or reimburse myself should Medicare take it out of Social Security, I could have to correspond with Medicare to explain the withdrawal.
by Small Law Survivor
Sat Nov 23, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: Recommend Online Eyeglass Company for Strong Presc.?
Replies: 13
Views: 1243

Re: Recommend Online Eyeglass Company for Strong Presc.?

I have a very strong prescription: Sphere: both eyes 13.25 Cylinder: R - 2.75, L - 0.75 To fill this at a conventional eye store is very expensive, so I've tried some of the "low cost" alternatives - Costo, Zenni, Warbyparker. All three told me they could not fill this prescription. Is there anyone...
by Small Law Survivor
Sat Nov 23, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Recommend Online Eyeglass Company for Strong Presc.?
Replies: 13
Views: 1243

Re: Recommend Online Eyeglass Company for Strong Presc.?

You definitely need high index lenses for a -13.25 Diopter prescription. Unfortunately the index of refraction of high index lenses is not much greater than regular lenses and they are quite expensive. Unless the lenses are made as small as possible, they will be quite thick for many frames. I used...
by Small Law Survivor
Fri Nov 22, 2019 8:29 am
Forum: Personal Consumer Issues
Topic: Recommend Online Eyeglass Company for Strong Presc.?
Replies: 13
Views: 1243

Recommend Online Eyeglass Company for Strong Presc.?

I have a very strong prescription: Sphere: both eyes 13.25 Cylinder: R - 2.75, L - 0.75 To fill this at a conventional eye store is very expensive, so I've tried some of the "low cost" alternatives - Costo, Zenni, Warbyparker. All three told me they could not fill this prescription. Is there anyone ...
by Small Law Survivor
Wed Nov 13, 2019 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: The difficulty of discarding frugality?
Replies: 110
Views: 11321

Re: The difficulty of discarding frugality?

I think if you grow up poor or middle class, you behave frugally for the rest of your life, no matter how much money you accumulate. That was true of my parents, it's true of me and my wife.
by Small Law Survivor
Wed Nov 13, 2019 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Forgotten Expenses in Retirement--Travel
Replies: 32
Views: 2825

Re: Forgotten Expenses in Retirement--Travel

. . . local services transport our luggage between accommodations Hmmm ... never heard of this before. Just assumed you toss your luggage in the back of a cab and drag it to and from yourself. Do you have a lot of luggage, or am I missing some aspect of this service. I'm actually interested .... :)
by Small Law Survivor
Sun Nov 10, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: Kindle/Paperwhite -E Reader
Replies: 20
Views: 1737

Re: Kindle/Paperwhite -E Reader

I need a new Kindle - just got back from round-trip from Boston to NYC on Amtrak, and I left my 3 yr. old Kindle in the backseat pocket on the way down. I did "unregister" it right away, so if someone found it they couldn't use it for a book-buying splurge - although given how little people read the...
by Small Law Survivor
Fri Nov 08, 2019 5:38 pm
Forum: Personal Investments
Topic: How much is too much in an HSA?
Replies: 51
Views: 4600

Re: How much is too much in an HSA?

I think $100k is when I might start to think I have "enough", but I am 30 years from Medicare...impossible to know what healthcare costs will be at that point. I would guess a very small number of Bogleheads have $100k in their HSA. Approaching $120,000 here. Close to the end of this accumulation, ...
by Small Law Survivor
Sat Nov 02, 2019 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Mistakenly Contributed to tIRA, When I Intended Roth IRA. Reversible?
Replies: 19
Views: 2030

Re: Mistakenly Contributed to tIRA, When I Intended Roth IRA. Reversible?

OK, did the rechar by phone, quickly/easily. Thanks once again to BH for this help - I was prepared to just live w/t mistake. You gave me the knowledge and confidence to easily correct it. Be aware that you will have to report this on your taxes. You will report you contributed to the TIRA and then...
by Small Law Survivor
Fri Nov 01, 2019 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Mistakenly Contributed to tIRA, When I Intended Roth IRA. Reversible?
Replies: 19
Views: 2030

Re: Mistakenly Contributed to tIRA, When I Intended Roth IRA. Reversible?

OK, did the rechar by phone, quickly/easily. Thanks once again to BH for this help - I was prepared to just live w/t mistake. You gave me the knowledge and confidence to easily correct it.
by Small Law Survivor
Thu Oct 31, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: Folks age between 65-70. What’s your exercise routine
Replies: 44
Views: 5252

Re: Folks age between 65-70. What’s your exercise routine

Joined a Lifetime Fitness when I turned 65. Typical workout: Treadmill for 20-25 minutes. Yoga stretches 30 minutes Weight lifting/sit ups/push ups 30 min. Solo basketball (if court avail.) 30 min. During summer months I swim rather than treadmill. Sometimes I go to classes, or the cycle room. Yeah,...
by Small Law Survivor
Thu Oct 31, 2019 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Mistakenly Contributed to tIRA, When I Intended Roth IRA. Reversible?
Replies: 19
Views: 2030

Re: Mistakenly Contributed to tIRA, When I Intended Roth IRA. Reversible?

I fear I am not being clear. If I recharacterize the tIRA contribution as a Roth, I will have to pay taxes on it. I'm 68 years old, and I'm in the process of getting money out of my tIRA and into my Roth. If I "recharacterize" from tIRA to Roth, I'll have to pay taxes on the conversion - I'm already...
by Small Law Survivor
Thu Oct 31, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Mistakenly Contributed to tIRA, When I Intended Roth IRA. Reversible?
Replies: 19
Views: 2030

Re: Mistakenly Contributed to tIRA, When I Intended Roth IRA. Reversible?

Well, I'm looking at the online process Vanguard sent me to do this. It's very tax-intensive, which all kinds of "consult your tax advisor" warnings. I'm not sure, but I think that they will treat this as a taxable withdrawal from the IRA. I can't "reverse" the transaction. Is that right? Thanks, in...
by Small Law Survivor
Wed Oct 30, 2019 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Mistakenly Contributed to tIRA, When I Intended Roth IRA. Reversible?
Replies: 19
Views: 2030

Mistakenly Contributed to tIRA, When I Intended Roth IRA. Reversible?

I messed up a day ago - I meant to contribute to my Vanguard Roth IRA, but I mistakenly contributed to my traditional IRA at Vanguard. We have a lot of accts. at Vanguard, and I guess I got confused. Is this reversible, given all the changes in the law a couple of years ago in law regarding recharac...
by Small Law Survivor
Tue Oct 29, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Is it normal for a contractor to require 50% payment up front?
Replies: 52
Views: 4186

Re: Is it normal for a contractor to require 50% payment up front?

CobraKai wrote:
Tue Oct 29, 2019 10:37 am
has excellent online reviews
After a terrible experience with Angies List this year, I would not trust online reviews. I suspect that people are reluctant to deal with retaliation from a bad review. That was my case. So, you just see favorable reviews.
by Small Law Survivor
Thu Oct 24, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: Does the Average Homeowner Need a Water Shut Off Valve?
Replies: 56
Views: 6368

Re: Does the Average Homeowner Need a Water Shut Off Valve

RickBoglehead wrote:
Thu Oct 24, 2019 3:00 pm
It depends. If you have a pipe burst and damage, then you needed it...
Hmmm.... reminds me of that old Mark Twain saying, "buy stocks when they go down, sell them when they go up. If they don't go up, don't buy them."
by Small Law Survivor
Thu Oct 24, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: Does the Average Homeowner Need a Water Shut Off Valve?
Replies: 56
Views: 6368

Does the Average Homeowner Need a Water Shut Off Valve?

I'd never heard of these before, but my insurance company (PURE) sent me a promo for several. They cost between $1,500 and $2,000 (for the hardware). Here's their description: These devices attach directly to your water main line and monitor the flow of water into your home. They will alert you and ...
by Small Law Survivor
Thu Oct 24, 2019 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Massachusetts Case in Which UBS Screwed Up Transfer to IRA Beneficiary
Replies: 1
Views: 413

Massachusetts Case in Which UBS Screwed Up Transfer to IRA Beneficiary

Sharing a link to what I found to be an interesting case: UBS Financial Services v. Aliberti https://www.mass.gov/files/documents/2019/10/22/q12662.pdf Based on the facts described, it seems that UBS completely and inexplicably screwed up the transfer of an IRA to a beneficiary, following the IRA ow...
by Small Law Survivor
Wed Oct 23, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4510
Views: 1264189

Re: What Book Are You Currently Reading? Part VI

Just downloaded audiobook of The Night Fire by Michael Connolly
Seems like these Harry Bosch novels come out every Fall, like clockwork. Good stuff, although I can't remember the differences between the various books. They all run together ...
by Small Law Survivor
Wed Oct 23, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: [Looking for Boston MA Financial Planner]
Replies: 7
Views: 1360

Re: [Looking for Boston MA Financial Planner]

Just a quick thought on this thread. I'm 68 years old. With the exception of a couple of years, I've lived in our around Boston my whole life. I've been a Boglehead from the very start, back when the forum was on Morningstar. I'm an attorney with a law firm in downtown Boston. I know or rub shoulder...
by Small Law Survivor
Mon Oct 21, 2019 12:59 pm
Forum: Personal Consumer Issues
Topic: Second Opinion for Dental Procedure/Cost (Crown)
Replies: 13
Views: 1512

Second Opinion for Dental Procedure/Cost (Crown)

My dentist informs me that I need a new crown on tooth #29. He got pre-approval from my dental insurer (bc/bs of Mass), but with the insurance it shakes out as follows: My cost: $1,530 Insurer: $660 Total cost $2,190 The pretreatment document from bc/bs describes this as "core build-up" and "crown r...