Search found 61 matches

by LesBleus**
Mon Aug 19, 2019 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Moving from Bay area, CA to Knoxville, TN
Replies: 98
Views: 6807

Re: Moving from Bay area, CA to Knoxville, TN

Is there a typo in your original post? Your current employer matches 100%, but you will only lose 10% with the new employer matching 3%? Every time I look at cost of living calculators, or talk with siblings in other states that are supposed to have lower cost of living for housing & taxes compared...
by LesBleus**
Thu Aug 15, 2019 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Should I lower my life insurance policy amount?
Replies: 14
Views: 860

Re: Should I lower my life insurance policy amount?

Yes, You're in Houston which is one of the best cost of living cities in the US relative to the income levels available. Use that income to reduce your debts to ZERO. Dave Ransey is a good place to start if you are not familiar with him. Once your debts are wiped out all of your income can be used ...
by LesBleus**
Thu Aug 15, 2019 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Should I lower my life insurance policy amount?
Replies: 14
Views: 860

Re: Should I lower my life insurance policy amount?

Thank you all for the good inputs. I'll rethink my stance and probably will keep it at 1 mil for now and revisit later.

Cheers! :sharebeer
by LesBleus**
Thu Aug 15, 2019 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Should I lower my life insurance policy amount?
Replies: 14
Views: 860

Should I lower my life insurance policy amount?

A few months ago I signed up for a 20 years Term life policy for 1 milllion dollars (cue Dr Evil) at $106 a month and wife same amount for about $30. Not sure what our networth is but we owe 235k on our mortgage, 30k in student loan, 20k in car note and about 2k in cc. Got about 50k in ER savings. W...
by LesBleus**
Wed Jun 26, 2019 10:21 am
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 7002

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

This question is really about what is of importance to you and your wife. For me, this is what matters: my family, a work schedule that allows for lots of time off, and nice weather. I (nor my wife) really care about a mansion-sized home, fancy cars, and lots of money with jewels mixed in. So, we'v...
by LesBleus**
Tue Jun 25, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: Anyone moved cross country. How did you manage to do it without going nuts??
Replies: 47
Views: 4376

Re: Anyone moved cross country. How did you manage to do it without going nuts??

I’m in the middle of a move. One thing that has made it easier and a lot less stressful for me was using Pods (or any other similar company). You can pack on your own schedule. Ship it to a facility in the city you’re gonna move to. Have it delivered to your house when ready. Takes the stress of ex...
by LesBleus**
Mon Jun 24, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: Anyone moved cross country. How did you manage to do it without going nuts??
Replies: 47
Views: 4376

Re: Anyone moved cross country. How did you manage to do it without going nuts??

7 in 34 years. 1. Drive one car, the other can go in the moving truck. Caravanning cross country is horrible. Yes, rent one in the new location. Can you elaborate on this? We have two cars and one option is for myself and a buddy to rent a Uhaul truck with a trailer for one car and the other car fo...
by LesBleus**
Fri Jun 21, 2019 10:26 pm
Forum: Personal Consumer Issues
Topic: Anyone moved cross country. How did you manage to do it without going nuts??
Replies: 47
Views: 4376

Re: Anyone moved cross country. How did you manage to do it without going nuts??

Goal33 wrote:
Fri Jun 21, 2019 5:15 pm
Be ready to lose some money in the process
Yeah I figured beside moving costs I'll probably spend extra $ for storage, car rental and such.
by LesBleus**
Fri Jun 21, 2019 10:25 pm
Forum: Personal Consumer Issues
Topic: Anyone moved cross country. How did you manage to do it without going nuts??
Replies: 47
Views: 4376

Re: Anyone moved cross country. How did you manage to do it without going nuts??

That's why I love this forum! Thank you for all the replies this gives me hope! :sharebeer I really like some of the ideas suggested like the staggered car shipping, spreadsheet and be nice to each other :D One car is paid off (2013 Highlander) and the other is a 2016 Honda so we will need to keep t...
by LesBleus**
Fri Jun 21, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: Anyone moved cross country. How did you manage to do it without going nuts??
Replies: 47
Views: 4376

Anyone moved cross country. How did you manage to do it without going nuts??

I'm embarking on a family relocation from Houston, TX to back to Southern Cali within a 6 to 8 months time frame and I'm not sure how to coordinate all the components of my move. That include finding a job (start date), selling current house, shipping furniture, finding a rental home ect. I know eve...
by LesBleus**
Wed Jun 05, 2019 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Is it Wise to Remove Escrow if Bank Allows it?
Replies: 87
Views: 5936

Re: Is it Wise to Remove Escrow if Bank Allows it?

What do bogleheads do concerning escrow? Do you get rid of it as soon as your able to allow greater flexibility? Or do you keep it as its two less bills to keep track of (RE taxes & Home Ins.)? When we refinanced with Navy Federal Credit Union, we were able to "opt out" of escrow. We did. That gave...
by LesBleus**
Mon Jun 03, 2019 4:11 pm
Forum: Personal Consumer Issues
Topic: $3k for teen club soccer
Replies: 104
Views: 7498

Re: $3k for teen club soccer

So our 14-yr old tried out for a local soccer club here in TX. I figured it would be ~$1k like it was in CA. The paperwork after the tryout said he'll land in one of three tiers: - $2.8k - $2.2k - $1.7k Seems like a lot. Is this typical? Moved from CA to TX? Same here, about 3 years ago from OC to ...
by LesBleus**
Wed May 22, 2019 12:51 pm
Forum: Personal Consumer Issues
Topic: Expensive front load washer/dryer worth it?
Replies: 53
Views: 3485

Re: Expensive front load washer/dryer worth it?

I got a nice front load LG washer and dryer. The only thing I don't like is the ridiculously expensive pedestal which I didn't get so moving the laundry can be a pain on your back.
by LesBleus**
Tue Mar 19, 2019 2:02 pm
Forum: Personal Consumer Issues
Topic: Need glasses lenses replaced. Where should I go to get this done?
Replies: 7
Views: 484

Need glasses lenses replaced. Where should I go to get this done?

My glasses that I use for nearsightedeness has a crack in one of the lens and my optometrist gave a high priced quote to replace both lenses. I did a Google search and checked out a few sites but not sure which one to use. Do I have to ship my frames for them to fit the lenses?
by LesBleus**
Thu Mar 14, 2019 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance
Replies: 43
Views: 2589

Re: Life insurance

I'm in the process of signing up for life insurance and had similar questions. You should ask about riders and something call roll on or extension after the term.
by LesBleus**
Mon Mar 04, 2019 5:49 pm
Forum: Personal Consumer Issues
Topic: How do long haul moving company charge you?
Replies: 21
Views: 1512

Re: How do long haul moving company charge you?

Ok thank you for the info.
by LesBleus**
Mon Mar 04, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: How do long haul moving company charge you?
Replies: 21
Views: 1512

How do long haul moving company charge you?

I need to know how moving companies charge you to transport (not pack) your belongings from one state to another. We are planning to move from Texas to Souther Cali. My house has 4 bedrooms about 2500 sqf. We are going through a major purge of all the stuff we don't need. I read that they charge you...
by LesBleus**
Thu Feb 28, 2019 5:10 pm
Forum: Personal Consumer Issues
Topic: Electric [utility] plans. I'm moving out of Texas should I get a short term plan?
Replies: 8
Views: 457

Re: Electric plans. I'm moving out of Texas should I get a short term plan?

Can you check your EFL label with your current provider? I recall seeing that if you move outside the delivery area, the electricity provider generally does not charge the early termination fees. For example see the statement below from my EFL label Termination Fee does not apply if Customer moves ...
by LesBleus**
Thu Feb 28, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Electric [utility] plans. I'm moving out of Texas should I get a short term plan?
Replies: 8
Views: 457

Re: Electric plans. I'm moving out of Texas should I get a short term plan?

Electric plans are the rates offered by electricity provider in Texas. Kinda like cell phone providers except you're signing up for electricity to your home.

See here http://powertochoose.org/en-us
by LesBleus**
Thu Feb 28, 2019 2:45 pm
Forum: Personal Consumer Issues
Topic: Electric [utility] plans. I'm moving out of Texas should I get a short term plan?
Replies: 8
Views: 457

Electric [utility] plans. I'm moving out of Texas should I get a short term plan?

My electric plan is ending early March and I'm planning to move out of Texas in about 6 months. Should I sign up for a short term plan? Do you get charged early termination fees if you move out of state?
by LesBleus**
Wed Feb 20, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: Netflix show: Can't Pay? We'll Take It Away. It will keep you on guard.
Replies: 3
Views: 1988

Re: Netflix show: Can't Pay? We'll Take It Away. It will keep you on guard.

I just watched an episode on Youtube. Very interesting thx for the tip!
by LesBleus**
Mon Feb 11, 2019 5:47 pm
Forum: Personal Consumer Issues
Topic: Application for life insurance is asking for net worth is this normal?
Replies: 14
Views: 1482

Re: Application for life insurance is asking for net worth is this normal?

Do insurance brokers make a good commissions from selling you Term life insurance? The person I'm working with isn't pushy but as kinda of a car salesman attitude. Not rude just a bit eager for me to sign up.
by LesBleus**
Mon Feb 11, 2019 5:08 pm
Forum: Personal Consumer Issues
Topic: Application for life insurance is asking for net worth is this normal?
Replies: 14
Views: 1482

Application for life insurance is asking for net worth is this normal?

The insurance broker provided me with a form to fill out and it's asking for my net worth. What's the purpose of this information and should I provide a ball park figure?
by LesBleus**
Mon Feb 11, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: On demand electric water heater
Replies: 34
Views: 2049

Re: On demand electric water heater

I have the Eco 18 tankless water heater for my house which has 3 bathrooms and it came with the house build 7 years ago. I like it except for my master bath tub, which I do use often to wash the kids. During the winter which is now, on a cold day it may take a good 2 to 3 minutes for the water to ge...
by LesBleus**
Tue Feb 05, 2019 2:43 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4638
Views: 1197432

Re: What Movie Have You Recently Watched?

miles monroe wrote:
Mon Jan 21, 2019 10:59 am
fyre on netflix.

documentary on the fyre music festival in the bahamas that never happened. well worth the 90 minutes.
I liked it too. Ja rule is so guilty :D
by LesBleus**
Tue Feb 05, 2019 2:38 pm
Forum: Personal Consumer Issues
Topic: Any major differences between the cordless water flosser and the ones that sits on counter?
Replies: 7
Views: 608

Any major differences between the cordless water flosser and the ones that sits on counter?

I'm looking to buy a waterpik/ water flosser not sure what price range since that I don't know which one to get. Is there any difference between the cordless and non cordless? https://www.walmart.com/ip/Waterpik-WP-462-11-65-Black-Waterpik-Cordless-Plus-Water-Flosser/40012495 $ 50 cordless https://w...
by LesBleus**
Mon Feb 04, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: What is the difference between a orthopedic surgery and a sports medicine doctor?
Replies: 8
Views: 1017

Re: What is the difference between a orthopedic surgery and a sports medicine doctor?

They are both orthopedic doctors. In general terms , with obvious exceptions, the ortho surgeon tends to lean more heavily toward surgery and is less likely to consider alternatives such as braces, therapy, or stem cell injections. My DW had been fighting a knee issue for a few years. Her Ortho sur...
by LesBleus**
Mon Feb 04, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: What is the difference between a orthopedic surgery and a sports medicine doctor?
Replies: 8
Views: 1017

What is the difference between a orthopedic surgery and a sports medicine doctor?

My primary doctor wants me to a see a orthopedic KSF and I went to see a orthopedic surgery doctor for my knee injury due to sports. The ortho surgery doctor examined my knee looked at my xrays and MRI, he said to try a brace for a month if not micro surgery to cut the tendon :shock: I want to see a...
by LesBleus**
Tue Jan 29, 2019 5:16 pm
Forum: Personal Consumer Issues
Topic: All inclusive resort with 9 year old?
Replies: 16
Views: 2219

Re: All inclusive resort with 9 year old?

One word Hyatt Ziva Cancun all inclusive resort. Ok that's more than one word but this resort is very very nice. The biggest reason why I chose this one to take my family is the beach front location. This is the only one on the Cancun hotel strip that has a calm shallow clear water beach front where...
by LesBleus**
Mon Jan 28, 2019 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Is there anything I should "look out" before signing up for term life insurance?
Replies: 2
Views: 308

Re: Is there anything I should "look out" before signing up for term life insurance?

Hi - Term life is pretty standard so not sure you have to "look out" for anything. However, it probably doesn't hurt to ask what riders are included by default. Not sure I'd pay extra for any of the riders, but if one insurer includes a rider by default, it may tip the scale on your choice assuming...
by LesBleus**
Mon Jan 28, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: Desktop Computer (home): Do you leave it "On" or turn "off" after using?
Replies: 77
Views: 4841

Re: Desktop Computer (home): Do you leave it "On" or turn "off" after using?

I have a mini gaming machine and I turn it off when not in use. I see the cpu fans running so that has to be consuming electricity a bit right?

Can someone tell me the benefits of putting a pc to sleep.
by LesBleus**
Mon Jan 28, 2019 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Is there anything I should "look out" before signing up for term life insurance?
Replies: 2
Views: 308

Is there anything I should "look out" before signing up for term life insurance?

I'm currently working with a independent term life underwriter and he sent me several quotes for amounts of $750k to $1mil on a 20 years policy. His quotes are comparable to Term4sale.com and with reputable companies such as Prudential and Lincoln National. He answered several questions and laid out...
by LesBleus**
Mon Jan 21, 2019 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Can I contest a medical bill with doctor's office if insurance says it's not covered?
Replies: 29
Views: 2393

Re: Can I contest a medical bill with doctor's office if insurance says it's not covered?

Normally for lab work, the bill comes from the lab, not the doctors's office. Is that not the case here? If so, the negotiation would be between the lab and yourself. (assuming that talking to BCBS gets you nowhere) So you should negotiate with the lab which is doing the billing. The previous sugge...
by LesBleus**
Mon Jan 21, 2019 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Can I contest a medical bill with doctor's office if insurance says it's not covered?
Replies: 29
Views: 2393

Re: Can I contest a medical bill with doctor's office if insurance says it's not covered?

RickBoglehead wrote:
Mon Jan 21, 2019 8:03 pm
Is it not covered or applied to the deductible because it is not a preventative test, it is diagnostic?

The amount should have already been reduced to the negotiated BCBS amount if diagnostic.
Yes and the $800 is after the BCBS contracted rate.
by LesBleus**
Mon Jan 21, 2019 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Can I contest a medical bill with doctor's office if insurance says it's not covered?
Replies: 29
Views: 2393

Re: Can I contest a medical bill with doctor's office if insurance says it's not covered?

I'm wondering if the lab did the wrong test. Did the doctor order this test? Did she/he code the labwork request correctly? I called the lab and the did the right tests including the CF test. But is that what the doctor wanted done? Did the doctor make a mistake and write down the wrong code? For e...
by LesBleus**
Mon Jan 21, 2019 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Can I contest a medical bill with doctor's office if insurance says it's not covered?
Replies: 29
Views: 2393

Re: Can I contest a medical bill with doctor's office if insurance says it's not covered?

Big Dog wrote:
Mon Jan 21, 2019 6:39 pm
The out of pocket for this test is $800 billed by the testing center AFTER is was processed by my insurance.
Just an after-thought, but what is your deductible?
6k family. Wasn't even close to reach it in 2018.
by LesBleus**
Mon Jan 21, 2019 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Can I contest a medical bill with doctor's office if insurance says it's not covered?
Replies: 29
Views: 2393

Re: Can I contest a medical bill with doctor's office if insurance says it's not covered?

livesoft wrote:
Mon Jan 21, 2019 4:51 pm
Of course you can contest any bill that you get. That does not mean you will get what you want, but it doesn't hurt to try.
I am but I'd like to have some knowledge going into it. :happy
by LesBleus**
Mon Jan 21, 2019 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Can I contest a medical bill with doctor's office if insurance says it's not covered?
Replies: 29
Views: 2393

Re: Can I contest a medical bill with doctor's office if insurance says it's not covered?

celia wrote:
Mon Jan 21, 2019 5:03 pm
I'm wondering if the lab did the wrong test. Did the doctor order this test? Did she/he code the labwork request correctly?
I called the lab and the did the right tests including the CF test.
by LesBleus**
Mon Jan 21, 2019 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Can I contest a medical bill with doctor's office if insurance says it's not covered?
Replies: 29
Views: 2393

Can I contest a medical bill with doctor's office if insurance says it's not covered?

My wife's OBGYN ordered prenatal blood work and one of the test "cystic fibrosis" CPT 81220 is not covered by my BSBC insurance. According to BSBC the CF test is not a ACA guideline test and therefore not considered preventive. I called the OBGYN office and the lady said that they gave my wife a rou...
by LesBleus**
Fri Nov 30, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Experience with return at Guitar Center yak!
Replies: 3
Views: 420

Experience with return at Guitar Center yak!

Just a random rant.. Yesterday I went into the local Guitar Center to return a pair of studio speakers I purchased online. From the start I could sense the employee who attended to me was going to give me trouble with the return. His body language and the way he asked about why I'm returning the ite...
by LesBleus**
Thu Nov 15, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 238
Views: 35923

Re: Habits of the Rich

Im an average wage, blue collar worker who will retire in my 50's with no pension. This is what i have done. 1. Set written goals early in life with an action plan. 2. Didn't have any unplanned pregnancies. 3. Lived below my means when purchasing housing and transportation. Never went into debt exc...
by LesBleus**
Wed Nov 14, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 391
Views: 58540

Re: Good Modern Science Fiction

If not already mentioned.. THE EXPANSE book and tv series :happy
by LesBleus**
Mon Nov 05, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pick a low deductible health plan for a baby on the way?
Replies: 1
Views: 223

Should I pick a low deductible health plan for a baby on the way?

I have two PPO plans offered by my employer. Looking at this the PPO $2000 is the better choice since the deductible is non-embedded? a) PPO $2000 monthly premium is $1,444.82 Deductible for individual is $2000 for family $4000. Coinsurance is 20% out of pocket max is $6850 for family. b) PPO $5000 ...
by LesBleus**
Tue Oct 30, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Can I deposit cash from selling car into bank account over 10k?
Replies: 21
Views: 2437

Re: Can I deposit cash from selling car into bank account over 10k?

This will all be done inside a banking institution. Thx for the tips.
by LesBleus**
Tue Oct 30, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Can I deposit cash from selling car into bank account over 10k?
Replies: 21
Views: 2437

Can I deposit cash from selling car into bank account over 10k?

I'm selling one of my car for 20k. Buyer is offering cash so can I deposit into my bank account if it's ok 10k?
by LesBleus**
Fri Oct 26, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 27192

Re: PSA: Don't buy a big house

Ahh too late! I also moved from Cali (Tustin) and we bought a decent size house 2500 sqft with high ceilings. I don't mind them too much but trying to clean, mop, dust this house is a pain. We hire a cleaning lady once in a while but still I would rather have a smaller house with lower ceilings. I m...
by LesBleus**
Thu Oct 25, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: Indoor Play toys for toddler
Replies: 31
Views: 1909

Re: Indoor Play toys for toddler

Great thread! I'm trying to keep my 2 1/2 daughter busy at home. Bought so many toys it's been a waste kinda. I agree with the rest of the folks. Boxes, stuff inside the kitchen drawer, mommy's purse. I'm trying to figure out how to get a small indoor sand box going maybe in the garage. Just thinkin...
by LesBleus**
Mon Oct 15, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 82
Views: 8519

Re: Black Friday is coming.. what's on your list?

I'll grab a couple Sonos speakers for our new living room if they drop. Have wanted to try them out for a year or two. Also will get a couple more echoes to have an intercom system. But I've mapped out what I'd plan to get in advance. I'll check online while having morning coffee and then be done w...
by LesBleus**
Mon Oct 15, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 16731

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

FLOOD.... the only thing that is keeping me from moving there. I hate to waste money only to find out it will be flooded in water. The flood is not as bad if your house is not in a flood zone. Which is something you can check prior to purchasing a home. I was really nervous during Harvey but everyt...
by LesBleus**
Mon Oct 15, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 90
Views: 6708

Re: When to stop putting money into an older vehicle

I had a 2004 Toyota Rav4 with 187k miles. The engine belt broke which caused other things to break totaling $850 in repairs. Not including a oil leak that's been leaking for some time. It wasn't the last straw to get a newer car but because I have a toddler and I'm driving in the hot a** Houston wea...