Search found 2380 matches

by BogleMelon
Tue Jun 09, 2020 9:55 pm
Forum: Personal Consumer Issues
Topic: How to get back fees paid to telemedicine provider?
Replies: 56
Views: 3718

Re: How to get back fees paid to telemedicine provider?

Agree with hearing one side of this story, but that's what we've got to go by here. I work with lots of K12 stakeholders - teachers, lots of administrators, board members, etc. I also hear from a lot of parents regarding the quality of education, plenty of complaining about teachers or principals, ...
by BogleMelon
Tue Jun 09, 2020 9:44 pm
Forum: Personal Consumer Issues
Topic: How to get back fees paid to telemedicine provider?
Replies: 56
Views: 3718

Re: How to get back fees paid to telemedicine provider?

If you order something at a restaurant and have regrets after finishing your meal, are you always entitled to a full refund? If I ordered a soup and instead got ice cream, I wouldn't eat it or pay for it. In this instance, that $75 was for the physicians knowledge to refuse to prescribe a new gener...
by BogleMelon
Tue Jun 09, 2020 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Where to put a year's worth of living expenses?
Replies: 21
Views: 2959

Re: Where to put a year's worth of living expenses?

Why not a no penalty CD? Locks in a rate for a year in a declining interest environment. I didn't want to open up another account, but hindsight 20/20 it might have been worth it I play the savings bonus game with my emergency fund, which covers a year plus of expenses. Usually split between 2 or 3...
by BogleMelon
Sun Jun 07, 2020 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: How to weight risk-benefit for returning back to work for a pregnant wife during COVID-19?
Replies: 12
Views: 749

How to weight risk-benefit for returning back to work for a pregnant wife during COVID-19?

DW was (and technically still) working for the state of NJ (Motor Vehicle Dept.) when Covid-19 happened. She has stayed home since then while her salary and benefits were continuing. We are also about to have our fast baby after extensive treatments and waiting for 16 years already to have this baby...
by BogleMelon
Sat Jun 06, 2020 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with Chase Ultimate Rewards points?
Replies: 43
Views: 3872

Re: What to do with Chase Ultimate Rewards points?

gabbar wrote:
Sat Jun 06, 2020 1:29 pm
You can redeem points now at 1.5 cents each for groceries and restaurants. Seems like a recent perk!! Check out the “pay yourself back” feature.
Thanks for bringing that up! I have just used it and it is better than redeeming as cash.
by BogleMelon
Wed Jun 03, 2020 9:25 am
Forum: Personal Investments
Topic: Which budgeting software do you use ?
Replies: 59
Views: 3096

Re: Which budgeting software do you use ?

Another vote to YNAB. It is not the software itself that matters, it is the philosophy (budget the money you have, not future income, what to do when overbudget...etc)
by BogleMelon
Mon Jun 01, 2020 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for Life Insurance recommendation
Replies: 16
Views: 876

Re: Looking for Life Insurance recommendation

After doing some researches, I personally went with Lincoln life. The process was super easy, the price was reasonable, good customer service and above all solid in terms of financial strength (A+ according to AM Best)
by BogleMelon
Sat May 30, 2020 8:57 pm
Forum: Personal Consumer Issues
Topic: How to get back fees paid to telemedicine provider?
Replies: 56
Views: 3718

Re: How to get back fees paid to telemedicine provider?

Unbelievable. He is only a physician, not a pharmacist. He has no way (and no reason) to know if generics are available. When you board an airline flight, do you ask your pilot what brand of peanuts they are serving in the back? Of course not. Not his responsibility. Your frustration is misdirected...
by BogleMelon
Sat May 30, 2020 8:40 pm
Forum: Personal Consumer Issues
Topic: How to get back fees paid to telemedicine provider?
Replies: 56
Views: 3718

Re: How to get back fees paid to telemedicine provider?

Unbelievable. He is only a physician, not a pharmacist. He has no way (and no reason) to know if generics are available. When you board an airline flight, do you ask your pilot what brand of peanuts they are serving in the back? Of course not. Not his responsibility. Your frustration is misdirected...
by BogleMelon
Sat May 30, 2020 4:50 pm
Forum: Personal Consumer Issues
Topic: How to get back fees paid to telemedicine provider?
Replies: 56
Views: 3718

Re: How to get back fees paid to telemedicine provider?

Thank you everyone for your thoughts. I have decided to proceed with filling the prescription (the brand one) and not risk my MIL life since her medication will end in 3 days. $75 is still like 0.03% of our net worth, so I may let go without fighting. Please continue your suggestions, I am reading y...
by BogleMelon
Sat May 30, 2020 4:47 pm
Forum: Personal Consumer Issues
Topic: How to get back fees paid to telemedicine provider?
Replies: 56
Views: 3718

Re: How to get back fees paid to telemedicine provider?

In your situation I personally would focus first having your wife get the expensive prescription refilled before she runs out, and second consulting another doctor and finding out whether any less costly medication is suitable for her to use a month from now, and only third trying to get the $75 ba...
by BogleMelon
Sat May 30, 2020 4:44 pm
Forum: Personal Consumer Issues
Topic: How to get back fees paid to telemedicine provider?
Replies: 56
Views: 3718

Re: How to get back fees paid to telemedicine provider?

I read it as though the doc prescribed something that does not exist - generic version of x... They should fix that but good luck getting it to happen. Schedule a visit for a live doctor. The generic substance has a name on its own and it is well known, it is available in other countries with that ...
by BogleMelon
Sat May 30, 2020 11:28 am
Forum: Personal Consumer Issues
Topic: How to get back fees paid to telemedicine provider?
Replies: 56
Views: 3718

How to get back fees paid to telemedicine provider?

My MIL is stuck at our home due to COVID 19 restrictions. She is not a US citizen, and she is taking a medication she brought from her home country for her blood pressure. She is almost running out of it, and after doing some researches we learned that this med here is in a form of a brand only ($15...
by BogleMelon
Wed May 27, 2020 12:53 pm
Forum: Personal Consumer Issues
Topic: How can I use 6 weeks of vacation in the next 6 months in the Covid era?
Replies: 37
Views: 3400

Re: How can I use 6 weeks of vacation in the next 6 months in the Covid era?

Have you considered asking HR (or perhaps your manager) to roll them over to the next period as an exception? In my company, I asked and they agreed to go off the book.
by BogleMelon
Tue May 26, 2020 6:11 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 148
Views: 14426

Re: Pandemic buys that have improved quality of life?

iPad 7th. generation. My first tablet ever!
by BogleMelon
Mon May 25, 2020 8:49 pm
Forum: Personal Consumer Issues
Topic: Anyone buy a car from a rental car company???
Replies: 25
Views: 2714

Re: Anyone buy a car from a rental car company???

I did. So far it is not a bad experience. One thing to take care of, they don't go through insurance when the car is involved in an accident. They do the body work in their own facilities, so don't rely on the "clean" Carfax, it means nothing. Let an experienced mechanic inspect it.
by BogleMelon
Wed May 20, 2020 5:57 pm
Forum: Personal Consumer Issues
Topic: Furniture for an infant in the living room
Replies: 46
Views: 2579

Furniture for an infant in the living room

We are expecting our first newborn this October. We are looking for some ideas to use in our living room to put our baby in. We have an open kitchen that’s next to the living room, And my wife would like to have her eyes on the baby while cooking. We were looking at an article at consumer report and...
by BogleMelon
Tue May 19, 2020 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Fraud charges on Netflix using Bofa Card
Replies: 9
Views: 1048

Re: Fraud charges on Netflix using Bofa Card

I am not sure if that would help, but you may try to file a claim with FTC https://www.ftccomplaintassistant.gov/? ... t&panel1-1

Another approach is to use social media (Facebook, Twitter..etc) to ask BoA for a refund. Public posts get different attention sometimes.
by BogleMelon
Fri May 15, 2020 10:45 pm
Forum: Personal Consumer Issues
Topic: Who needs a firewall and who doesn't?
Replies: 18
Views: 1330

Re: Who needs a firewall and who doesn't?

JBTX wrote:
Fri May 15, 2020 9:59 pm
If you have a router it serves as a firewall. Between a router and windows defender firewall you should be OK. I'm not an expert though.
KlangFool wrote:
Fri May 15, 2020 10:02 pm
OP,

Your router has a firewall. I do not trust any firewall running on a PC.

KlangFool
Thank you! That makes sense indeed.
by BogleMelon
Fri May 15, 2020 9:13 pm
Forum: Personal Consumer Issues
Topic: Who needs a firewall and who doesn't?
Replies: 18
Views: 1330

Re: Who needs a firewall and who doesn't?

If you look at independent lab results you will see the Microsoft Defender is among the best AV programs. There is no need or advantage in using any other AV on a regular basis. Windows includes a firewall as well. https://www.av-test.org/en/antivirus/home-windows/ :rates Defender a "top product" h...
by BogleMelon
Fri May 15, 2020 8:33 pm
Forum: Personal Consumer Issues
Topic: Who needs a firewall and who doesn't?
Replies: 18
Views: 1330

Re: Who needs a firewall and who doesn't?

Uh on the subject of Kaspersky, be aware that it is banned from any US Government IT system because of alleged ties to the Russian FSB. That doesn't prove anything, but neither do guys on YouTube. The crowd on Reddit are voting to use Kaspersky as well. Too many theories regarding why the average J...
by BogleMelon
Fri May 15, 2020 8:24 pm
Forum: Personal Consumer Issues
Topic: Who needs a firewall and who doesn't?
Replies: 18
Views: 1330

Re: Who needs a firewall and who doesn't?

Phineas J. Whoopee wrote:
Fri May 15, 2020 8:23 pm
Does the famous channel have a URL?

Does the tech guy have a name?

PJW
Here you go: https://www.youtube.com/channel/UCKGe7f ... aspxg-_5Sg
by BogleMelon
Fri May 15, 2020 8:18 pm
Forum: Personal Consumer Issues
Topic: Who needs a firewall and who doesn't?
Replies: 18
Views: 1330

Who needs a firewall and who doesn't?

Based on a famous channel on youtube where a tech guy testing antiviruses, I learned that Windows defender is not enough protection. I also used to use Webroot "paid version" through Ally for free, but a test on that channel proven it is another weak program. The guy recommends a couple of good anti...
by BogleMelon
Fri May 15, 2020 8:03 pm
Forum: Personal Consumer Issues
Topic: Must carry more than one credit card
Replies: 53
Views: 3562

Re: Must carry more than one credit card

Last week I was buying an iPad from BestBuy online using Freedom chase. I have many cards but this provided an extended warranty so I wanted to use it. The transaction was declined and got a message if this is truly "me" in which I responded "yes". Tried again with no luck. I then called the CS, the...
by BogleMelon
Mon May 11, 2020 2:57 pm
Forum: Personal Investments
Topic: Marcus or Ally
Replies: 157
Views: 16073

Re: Marcus or Ally

At what level would it matter to have a no penalty CD's vs saving account? Other than my Ally NP CD's, I have another $6K in savings Marcus. Does it really worth it to buy say 3X$2K NoP CD's?
by BogleMelon
Fri May 08, 2020 6:17 pm
Forum: Personal Consumer Issues
Topic: iPad.. worth it?
Replies: 49
Views: 3198

Re: iPad.. worth it?

I just learned that a feature like multiple users is not available on iPads! Was wondering, as a workaround, can I just sign out, hand the device to DW, she signs with her email and password and customize her desktop in some way? I guess that won't work for someone reason, but not sure what would ha...
by BogleMelon
Fri May 08, 2020 10:13 am
Forum: Personal Consumer Issues
Topic: iPad.. worth it?
Replies: 49
Views: 3198

Re: iPad.. worth it?

Thank you everyone, I ordered the 128 GB ($330+ tax) since I will probably end up adding a lot of financial apps (banks, YNAB,..etc) plus some games in addition to the daily use apps. I am also planning to take it on my future travels instead of the bulky laptop, so I think I may need the extra spac...
by BogleMelon
Thu May 07, 2020 6:07 pm
Forum: Personal Consumer Issues
Topic: iPad.. worth it?
Replies: 49
Views: 3198

Re: iPad.. worth it?

MBB_Boy wrote:
Thu May 07, 2020 5:49 pm
What's wrong with a Fire tablet? Under a 100 bucks, basically a big Android phone
With so many Amazon bloatware, and limited android apps? No thanks. I have tried it before and returned it
by BogleMelon
Thu May 07, 2020 5:07 pm
Forum: Personal Consumer Issues
Topic: iPad.. worth it?
Replies: 49
Views: 3198

iPad.. worth it?

I and DW are long-time Android phone users. We were thinking we may need tablet for the first time ever for basic reading and other daily activities that would be easier on a tablet than a cellphone (We also have a Windows desktop PC and a Windows Laptop). Apple iPad current model (32GB) is discount...
by BogleMelon
Thu May 07, 2020 9:57 am
Forum: Personal Consumer Issues
Topic: Worth Buying a Used Phone on Swappa?
Replies: 28
Views: 1580

Re: Worth Buying a Used Phone on Swappa?

I have reasonable experience with some of the phones except 2: - Was listed as Mint, came out with signs of wear and tear, worked with the vendor to get it refunded. - Was listed as Unlocked, came out as carrier unlocked not factory unlocked "against swappa listing terms", the vendor was a beginner ...
by BogleMelon
Wed May 06, 2020 11:55 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question [Considering to drop membership]
Replies: 136
Views: 9584

Re: Amazon Prime Membership Question

My understanding is that they quietly changed their policy from 2-day delivery from the order day To 2 busines-day delivery from the shipping day!
by BogleMelon
Tue May 05, 2020 8:17 pm
Forum: Personal Consumer Issues
Topic: Neighbor’s contractor wants to access our property
Replies: 158
Views: 16521

Re: Neighbor’s contractor wants to access our property

Sounds like you need a Temporary Right of Access Agreement. All kinds of things can go wrong. I would not sign any document furnished by the contractor. I suggest that you have your own attorney prepare the agreement and then have the contractor reimburse you for the cost of this. But then the cont...
by BogleMelon
Tue May 05, 2020 6:54 pm
Forum: Personal Consumer Issues
Topic: Neighbor’s contractor wants to access our property
Replies: 158
Views: 16521

Re: Neighbor’s contractor wants to access our property

Sounds like you need a Temporary Right of Access Agreement. All kinds of things can go wrong. I would not sign any document furnished by the contractor. I suggest that you have your own attorney prepare the agreement and then have the contractor reimburse you for the cost of this. But then the cont...
by BogleMelon
Sat May 02, 2020 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1610
Views: 224582

Re: Fidelity as a one stop shop

I have currently: 8 checking accounts (Schwab, Sofi, Ally, T-Mobile, Capital One 360, Discover, Local Credit Union, and now Fidelity) 3 Savings accounts (Ally MMA, Ally Savings, Local Credit Union) 3 brokerage accounts (Schwab, Sofi, Fidelity) 1 401k via job (Fidelity) and No personal IRAs DONT JUD...
by BogleMelon
Tue Apr 28, 2020 4:56 pm
Forum: Personal Consumer Issues
Topic: Household batteries + charger
Replies: 24
Views: 1238

Re: Household batteries + charger

Swivelguy wrote:
Tue Apr 28, 2020 4:50 pm
Not that I'm recommending shopping in person right now if you can avoid it, but CostCo often has a good deal, likely better than you'll find online, on a big pack of eneloop AAs + AAAs + a wall charger.
Costco no longer selling Eneloop
by BogleMelon
Tue Apr 28, 2020 9:55 am
Forum: Personal Consumer Issues
Topic: Household batteries + charger
Replies: 24
Views: 1238

Re: Household batteries + charger

I like this guys reviews. https://www.youtube.com/watch?v=0A1GvQ40j0Q I came accross it and liked it too. Thank you He has a follow-on video about the self-discharge rate of such batteries. I think that 2nd video is more important than the first video. I saw that one too. He promised a third one wh...
by BogleMelon
Tue Apr 28, 2020 9:42 am
Forum: Personal Consumer Issues
Topic: Household batteries + charger
Replies: 24
Views: 1238

Re: Household batteries + charger

dsmclone wrote:
Mon Apr 27, 2020 5:37 pm
I like this guys reviews.

https://www.youtube.com/watch?v=0A1GvQ40j0Q
I came accross it and liked it too. Thank you
by BogleMelon
Sun Apr 26, 2020 1:31 pm
Forum: Personal Consumer Issues
Topic: Household batteries + charger
Replies: 24
Views: 1238

Re: Household batteries + charger

A good place to get Eneloops and charger: Amazon.com I have a LaCrosse Tech BC700 charger says "Alpha Power" that is great, but there are many others. I've used it for more than 5 years I think. So far the batteries don't wear out, so almost no need to buy extras if you can charge them when not usi...
by BogleMelon
Sun Apr 26, 2020 1:20 pm
Forum: Personal Consumer Issues
Topic: Household batteries + charger
Replies: 24
Views: 1238

Household batteries + charger

I need to have 8 AAA batteries plus 5 AA batteries for my remotes and blood pressure monitor device at all times. I saw suggestions for Eneloop here, but I am not sure what is the best place to get them from those days, what packs make sense economically, and in addition to the charger (type/brand.....
by BogleMelon
Sat Apr 25, 2020 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1610
Views: 224582

Re: Fidelity as a one stop shop

Sadly none of the Fidelity brokerage accounts or the CMA account plays nicely with You Need A Budget (YNAB.) YNAB isn't importing transactions at all even if it's set as a budget account. If you want to use it with YNAB you'd need to automatically set up known transactions for your payroll, rent, e...
by BogleMelon
Tue Apr 21, 2020 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Now a baby is coming, do I need more life insurance?
Replies: 24
Views: 1335

Re: Now a baby is coming, do I need more life insurance?

Watty wrote:
Tue Apr 21, 2020 11:43 am


I don't recall the details by I think that you kids would also receive a Social Security Survivor benefit until they are 18 so you should check on that.
Good catch! Thanks for the info
by BogleMelon
Tue Apr 21, 2020 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Now a baby is coming, do I need more life insurance?
Replies: 24
Views: 1335

Re: Now a baby is coming, do I need more life insurance?

We both have insurance through work. Mine is one year, my wife is 3 years of income
by BogleMelon
Tue Apr 21, 2020 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Now a baby is coming, do I need more life insurance?
Replies: 24
Views: 1335

Now a baby is coming, do I need more life insurance?

In anticipation of our first baby who is due in October, I would like to recheck if I have enough term life insurance. Details: Our ages: 40&42 Current assets: Cash and alike: $55K / Stocks (BH index funds): $122K / Bonds: $38K / Total: $215K Current income: my income $95K, DW: $43K (combined $138K)...
by BogleMelon
Mon Apr 20, 2020 2:00 pm
Forum: Investing - Theory, News & General
Topic: Price of oil has collapsed; how will this impact the economy?
Replies: 108
Views: 8522

Re: Price of oil has collapsed; how will this impact the economy?

What does it mean for crude oil to turn negative? Those who buy crude oil will buy it for free and get additional cash per barrel for it? :shock:
by BogleMelon
Mon Apr 20, 2020 8:57 am
Forum: Investing - Theory, News & General
Topic: Deflation is everywhere. Get used to it.
Replies: 151
Views: 15045

Re: Deflation is everywhere. Get used to it.

In NJ rent and housing are so stubborn and refuse to go down.
by BogleMelon
Fri Apr 17, 2020 9:42 pm
Forum: Personal Consumer Issues
Topic: How to deal with loud neighbor bass noise in NYC
Replies: 34
Views: 1874

Re: How to deal with loud neighbor bass noise in NYC

OP I am in your shoes except that my neighbors are rude. They slapped the door once in my face when I had to knock to ask them to keep it down (after they had accepted (hours before) a chocolate gift I brought to them)! Nothing has worked in my situation. The landlord is a public company and using m...
by BogleMelon
Thu Apr 16, 2020 1:55 pm
Forum: Personal Investments
Topic: Did I trigger a wash sale?
Replies: 14
Views: 764

Re: Did I trigger a wash sale?

livesoft wrote:
Thu Apr 16, 2020 1:42 pm
No, you have not. Yet.
Lol! English is a second language and I struggle sometimes with all these grammatical rules :D
But thank you for your answer, livesoft :beer
by BogleMelon
Thu Apr 16, 2020 1:39 pm
Forum: Personal Investments
Topic: Did I trigger a wash sale?
Replies: 14
Views: 764

Did I trigger a wash sale?

While the market was plunged, I tried for the first time to do a TLH. I first sold VTI Vanguard Total Stock Market ETF "in a taxable of course), and instantly bought ITOT iShares Core S&P Total U.S. Stock Market ETF. Couple of weeks later, the market continued to go down, so again I sold ITOT and bo...
by BogleMelon
Thu Mar 26, 2020 12:04 pm
Forum: Personal Investments
Topic: NJ Vanguard Money Market paying 3 percent
Replies: 3
Views: 637

Re: NJ Vanguard Money Market paying 3 percent

NJ resident here. This is weird! Not sure what really means. I wasn't able to find the holdings inside this fund, but Vanguard classifying it as lowest risk. According to Vanguard explanation: it is considered one of the most conservative investment options offered by Vanguard. Although the fund inv...