Search found 41 matches

by MPAndy222
Tue Aug 22, 2017 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Please explain how Medicare Billing works? Update
Replies: 114
Views: 9619

Re: Please explain how Medicare Billing works?

If this doctor's office cannot follow Medicare procedures, I see no reason why I should have to go through all of this nonsense. I'm paying three times more for Medicare than when I was employed and now I have to go through this bureaucratic nightmare and it amazes me that some people seem to like ...
by MPAndy222
Tue Aug 22, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Please explain how Medicare Billing works? Update
Replies: 114
Views: 9619

Re: Please explain how Medicare Billing works?

Well, I have received a letter from the Appeal Board that part of the claim is denied and there is still a dispute about some of it. Basically, it seems that my doctor followed the Wellness Test that my employer mandated for many years. But he did not check all of the boxes that were required by Me...
by MPAndy222
Tue Aug 22, 2017 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Another Portfolio Review
Replies: 3
Views: 524

Re: Another Portfolio Review

Any reason why you have a taxable account? I would recommend maxing out your 401k before starting a taxable account - especially since it looks like you have a lot of good options in your 401k
by MPAndy222
Mon Aug 21, 2017 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Please explain how Medicare Billing works? Update
Replies: 114
Views: 9619

Re: Please explain how Medicare Billing works?

Well, I have received a letter from the Appeal Board that part of the claim is denied and there is still a dispute about some of it. Basically, it seems that my doctor followed the Wellness Test that my employer mandated for many years. But he did not check all of the boxes that were required by Me...
by MPAndy222
Sat Aug 19, 2017 4:40 am
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 87
Views: 23729

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

A lot of great discussion here on Proposal 7. However, for an investing new guy like me, can anyone offer guidance on making heads or tails of the other proposals? I'm not sure I follow all the jargon. Thanks! In the proxy information, Vanguard's fund board of trustees offers their recommendation o...
by MPAndy222
Sat Jul 15, 2017 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Please explain how Medicare Billing works? Update
Replies: 114
Views: 9619

Re: Please explain how Medicare Billing works?

The Doctor's office told me that the visit would be fully covered. Initially they did not return my calls but only when I the receptionist was I put through to the billing clerk. She said she had resubmitted the claim with the other billing code. Part of the letter from Medicare for refusal was tha...
by MPAndy222
Sat Jul 15, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Please explain how Medicare Billing works? Update
Replies: 114
Views: 9619

Re: Please explain how Medicare Billing works?

The Doctor's office told me that the visit would be fully covered. Initially they did not return my calls but only when I the receptionist was I put through to the billing clerk. She said she had resubmitted the claim with the other billing code. Part of the letter from Medicare for refusal was tha...
by MPAndy222
Thu Jul 13, 2017 8:55 pm
Forum: Investing - Theory, News & General
Topic: % bogleheads of overall population
Replies: 82
Views: 11182

Re: % bogleheads of overall population

I find it interesting that 60+% of participants were automatically enrolled in their plans and the majority of those were professionally managed. I think that it is a good trend that more and more employers are having new hires have to 'opt out' of the retirement plans. Some plans (such as STRS in O...
by MPAndy222
Mon Jul 10, 2017 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Just a little help.
Replies: 5
Views: 660

Re: Just a little help.

At your income I would avoid taxable until you max out the IRA account especially since you don't have a work 401k. I would put the $5500 in the 2017 roth IRA. If you AA is 90/10 then you could use the vanguard target retirement 2050 fund. The ER is 0.16 compared to betterment's 0.25.
by MPAndy222
Thu Jun 29, 2017 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Buying index fund, what time is the cut-off to be post that day?
Replies: 6
Views: 589

Re: Buying index fund, what time is the cut-off to be post that day?

It's 4 PM... I missed a 'market correction' at 4:01 once and it didn't go through. 4 PM is ok but not a minute later
by MPAndy222
Sat Jun 24, 2017 5:55 am
Forum: Personal Finance (Not Investing)
Topic: Please explain how Medicare Billing works? Update
Replies: 114
Views: 9619

Re: Please explain how Medicare Billing works?

Thank you. I think there are two issues: 1. I was coded for (G0439) instead of welcome to medicare exam (G0402). These problems arise as I retired at 73 instead of 65. 2. The Welcome to Medicare is supposed to be for screenings and possibly shots. There did not appear to be any tests done on my Wel...
by MPAndy222
Mon Jun 19, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 64
Views: 4854

Re: Good camera - new baby coming

I would recommending going with an entry level dslr and a prime lens. For example - you can get a canon rebel t6 and a 50mm prime 1.8 lens for ~$600. Else you could get an iPhone 7 plus and get the same effect as they have two cameras
by MPAndy222
Mon Jun 05, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: How to find best but the cheapest red wine for better health?
Replies: 14
Views: 1231

Re: How to find best but the cheapest red wine for better health?

If you're drinking red wine for better health I would recommend water instead. The main researcher for resveratrol was Dipak Das at UConn. He published multiple papers about the health benefits of resveratrol. Before he died, he was charged with 145 counts of fabrication and falsification of data. M...
by MPAndy222
Sun Jun 04, 2017 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Please explain how Medicare Billing works? Update
Replies: 114
Views: 9619

Re: Please explain how Medicare Billing works?

It looks like they billed it as an annual medicare wellness (G0439) instead of welcome to medicare exam (G0402). The welcome to medicare exam includes EKG, vision check, and hearing screen in addition to the normal annual medicare wellness questions. If they drew blood work then they needed to add ...
by MPAndy222
Sun Jun 04, 2017 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Young resident physician seek advice
Replies: 7
Views: 1228

Re: Young resident physician seek advice

Welcome to the forum! 1) I think that there is debate for an AA anyway from 70/30 to 90/10. Some would even recommend 100% equities. I'm in a similar situation and went with 80/20 with a glide towards 60/40 once I reach FI. You can try the vanguard risk calculator if you haven't done so already http...
by MPAndy222
Sun Jun 04, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Please explain how Medicare Billing works? Update
Replies: 114
Views: 9619

Re: Please explain how Medicare Billing works?

It looks like they billed it as an annual medicare wellness (G0439) instead of welcome to medicare exam (G0402). The welcome to medicare exam includes EKG, vision check, and hearing screen in addition to the normal annual medicare wellness questions. If they drew blood work then they needed to add a...
by MPAndy222
Wed May 03, 2017 11:46 pm
Forum: Investing - Theory, News & General
Topic: A Boglehead Guide to Buying Individual Stocks
Replies: 85
Views: 7858

Re: A Boglehead Guide to Buying Individual Stocks

Boglehead Guide to Buying Individual Stocks: Buy 3601 individual stocks at a time all packaged together... (aka VTSAX) :happy
by MPAndy222
Wed Apr 19, 2017 6:55 am
Forum: Personal Consumer Issues
Topic: Doctor fees - Insured vs uninsured patients
Replies: 27
Views: 3102

Re: Doctor fees - Insured vs uninsured patients

The markup for CT and MRI at a hospital are frequently 4x what the cost is at an outpatient private imaging suite. For example - MRI at hospital in my area frequently runs $2-4k. MRI at outpatient privately owned imaging facility $650. Same with CT - usually at least 4x cheaper at an outside private...
by MPAndy222
Tue Apr 18, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Doctor fees - Insured vs uninsured patients
Replies: 27
Views: 3102

Re: Doctor fees - Insured vs uninsured patients

The standard in my location is a 15% discount for cash paying patients. This is off everything - the visit fee, blood work, procedure fee, etc. It would be expected that the patient pay in full before they leave. You can get a quote if specific testing or lab work is needed. I'm not sure if the 15% ...
by MPAndy222
Sat Apr 01, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Can you check my 8606? 2015, 2016, and rollover conversion all in 2016
Replies: 2
Views: 212

Re: Can you check my 8606? 2015, 2016, and rollover conversion all in 2016

retiredjg wrote:It looks right to me if your $11k contribution didn't grow any before the conversion.


It grew $0.35 so it rounded down. Thanks for the help!
by MPAndy222
Sat Apr 01, 2017 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Can you check my 8606? 2015, 2016, and rollover conversion all in 2016
Replies: 2
Views: 212

Can you check my 8606? 2015, 2016, and rollover conversion all in 2016

The DW and I did traditional to roth IRA conversions in 2016 for both years 2015 and 2016. She also had a small ($4345) rollover IRA which was converted to roth IRA in 2016 since it couldn't be rolled into her current work retirement account. Please double check the DW's 8606 forms: 2015: 1- nondedu...
by MPAndy222
Sat Mar 11, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Buy a house? But there's a student loan elephant in the room
Replies: 21
Views: 1987

Re: Buy a house? But there's a student loan elephant in the room

Yikes thats a lot of med school debt. I'd hold off on the house for a few more years and pay down the loans. Is your wife working 0.5 FTE? Or is she in academic medicine? I don't practice in NC but her salary seems extremely low. She may want to look around for a new position as she should be able t...
by MPAndy222
Fri Feb 17, 2017 10:37 pm
Forum: Personal Consumer Issues
Topic: What constitutes Preventative Care?
Replies: 12
Views: 1242

Re: What constitutes Preventative Care?

How old are you? If you have commercial insurance, an annual physical is supposed to be covered 100% per the ACA. Included blood work differs by the insurance company but should include glucose and cholesterol screening. Almost all plans still cover annual PSA testing too (if you are > 40). If you h...
by MPAndy222
Sat Feb 11, 2017 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: How does 401K match vesting work?
Replies: 9
Views: 695

Re: How does 401K match vesting work?

I wouldn't say there is a high probability, but the probability is at least non-zero! Regarding the contributions, if I want to contribute the maximum per year, I would effectively be paying 9K pre-tax each year and the company would match that by depositing 9K into my 401K. Now let's say I leave a...
by MPAndy222
Fri Jan 20, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Billing Disagreement - Stark Law
Replies: 95
Views: 6389

Re: Medical Billing Disagreement - Stark Law

This is from my experience so YMMV... There is a difference whether it's a plantar wart vs flat wart. The CPT code should've been either 17000 or 17110. Average reimbursement is about $80. The CPT code (and thus reimbursement) is the same no matter how the wart is destroyed (acid, freezing, burning)...
by MPAndy222
Thu Jan 19, 2017 6:03 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation at age 33
Replies: 26
Views: 2781

Re: Asset Allocation at age 33

For what it's worth, I'm 33 and would like to retire at 53 too. I'm at 80/20. Everyone has their own risk tolerance. I plan on increasing bonds by 1% per year to reach 60/40 for retirement. It seems like every financial institution has a risk calculator questionnaire. You may want to try several of ...
by MPAndy222
Wed Jan 18, 2017 5:59 am
Forum: Personal Consumer Issues
Topic: Found! [What to do with old books]
Replies: 26
Views: 3368

Re: Found! [What to do with old books]

On goodwill's website they list a tax deduction of $1-3 per hardcover and $0.75-2 for paperback. The tax deduction is probably better then I could get if I sold my old books in a yard sale or online (and is more convenient)
by MPAndy222
Sat Jan 07, 2017 5:12 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 216
Views: 32549

Re: Chase Sapphire Reserve

Make sure to sign up by January 11th as they are slashing the reward points from 100k to 50k
by MPAndy222
Mon Jan 02, 2017 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: $300 CitiBank Bonus - Deadline 1/12/17
Replies: 9
Views: 1703

Re: $300 CitiBank Bonus - Deadline 1/12/17

kaneohe wrote:
Eurookat wrote:Geez move $15k and hold it there for $300?


24% for 30 days............


Don't forget to add in the 0.08% for accounts over $500,000 :P
by MPAndy222
Fri Dec 30, 2016 5:42 am
Forum: Personal Finance (Not Investing)
Topic: Anything I can do to reduce my taxes for 2016 or future?
Replies: 24
Views: 3156

Re: Anything I can do to reduce my taxes for 2016 or future?

Did your income level change? If not, make sure to pay 100% of the taxes you paid last year (or 110% if you make more than 150k - look up the "safe-harbor" requirement). Go through form 1040 ES to see what estimated payments you owe. Q4 estimated payments are due 1/17/17. You will be penal...
by MPAndy222
Thu Oct 06, 2016 6:23 am
Forum: Personal Consumer Issues
Topic: Johnnie Walker Blue worth the cost?
Replies: 70
Views: 7139

Re: Johnnie Walker Blue worth the cost?

I personally think Glenfiddich 15 is the best tasting scotch for the money. If your friend's aren't connoisseur's then you may want to just stick with Black, Green, or Gold label and get something else in addition to the scotch. Blue is definitely smoother but not worth the extra $150, IMO
by MPAndy222
Sun Jun 19, 2016 5:56 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 8
Views: 984

Re: Portfolio Review

Looks great - you have a lot of good options with the 401k accounts. I'd consider a lifecycle fund for her 401k. You may be better off with changing your 401k to all pretax as you will likely be in a lower tax bracket in retirement, however there are some advantages to having a Roth 401k. If you lik...
by MPAndy222
Thu Apr 14, 2016 4:17 am
Forum: Investing - Help with Personal Investments
Topic: Target Date or S&P 500, Total Int, and Total Bond?
Replies: 6
Views: 1142

Re: Target Date or S&P 500, Total Int, and Total Bond?

You have a good 401k. I'd invest in the S&P fund, total international index fund, and total bond fund. I'd then use a Roth IRA through vanguard to add the desired REIT and small cap to reach your desired allocation. It takes more time to reallocate but you'll save more with the lower expense rates
by MPAndy222
Sun Apr 10, 2016 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: General advice - tax friendly investing ?
Replies: 5
Views: 819

Re: General advice - tax friendly investing ?

It's hard to offer advice without knowing your current allocation and amount in taxable and non-taxable accounts. I would suggest posting your portfolio numbers as listed in the post made by Laura which is at the top of the investing board
by MPAndy222
Sat Apr 02, 2016 6:26 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review please
Replies: 3
Views: 553

Re: Portfolio review please

It appears your allocation is skewed toward domestic stock. You need a little more bonds and international to meet your requested allocation. I would simplify the taxable accounts with just total stock, S&P 500, or international index funds. Get rid of the bond funds and individual stocks. You'l...
by MPAndy222
Fri Apr 01, 2016 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Simplification
Replies: 5
Views: 802

Re: Portfolio Simplification

Are you sure that you did not confuse the T. Rowe Price person with your statement? I hope you are not doing Roth at your 403b. KlangFool The T Rowe Price representative was confused. He kept thinking I was trying to convert it to an IRA. I'll try calling back and making it more clear. We're not do...
by MPAndy222
Fri Apr 01, 2016 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Simplification
Replies: 5
Views: 802

Re: Portfolio Simplification

So I tried changing from a Roth 401k to a traditional 401k. My HR representative told me I need to do this through T Rowe Price. T Rowe Price said I couldn't change as log as I was still contributing to the 401k (still employed by the company). Has anyone else had trouble changing from Roth 401k to ...
by MPAndy222
Fri Apr 01, 2016 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Simplification
Replies: 5
Views: 802

Portfolio Simplification

Hello everyone, I'm a new Boglehead and recently married. I'm trying to get my accounts organized and under control. I'm trying to convert to a 3 fund portfolio and improve tax efficiency. Here's my current portfolio: Emergency funds: 10 months Debt: none, no mortgage Tax Filing Status: married fili...
by MPAndy222
Fri Apr 01, 2016 4:17 am
Forum: Investing - Help with Personal Investments
Topic: cashout rollover IRA to avoid roth IRA conversion taxes?
Replies: 5
Views: 581

Re: cashout rollover IRA to avoid roth IRA conversion taxes?

Excellent, it looks like I'll be able to roll the rollover Ira back to the company 401k. Thanks for the great advice. One more question - I contributed to the 2015 TIRA after December 31, 2015. Vanguard let me do the backdoor conversion to the Roth (in 2016). Since I missed the December 31st deadlin...
by MPAndy222
Thu Mar 31, 2016 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: cashout rollover IRA to avoid roth IRA conversion taxes?
Replies: 5
Views: 581

cashout rollover IRA to avoid roth IRA conversion taxes?

Hi - first time poster here (still have a lot to learn!), Question: Would it be best to take the 10% penalty to cash out a small rollover IRA account to avoid roth IRA conversion taxes? Situation: My wife (age 29) rolled an old 401k worth $4300 into a vanguard rollover IRA account. We don't qualify ...