Search found 40 matches

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: 1368

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: 1368

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: 1926

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: 4155
Views: 1111503

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: 570

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: 972

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: 972

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: 2108

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: 288

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: 4559

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: 288

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: 2286

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: 2286

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: 2286

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: 2286

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: 2286

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: 2286

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: 2286

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: 405

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: 222
Views: 29829

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: 358
Views: 51020

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: 212

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: 2149

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: 2149

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: 26227

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: 1860

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: 8255

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: 16132

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: 6536

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...
by LesBleus**
Thu Oct 11, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: What to do with Bose cube speakers left in rec room
Replies: 17
Views: 1911

Re: What to do with Bose cube speakers left in rec room

watchnerd wrote:
Wed Oct 10, 2018 10:29 pm
Donate for charitable deduction.
Double that. Bose are only good for headphones to say the least..
by LesBleus**
Thu Oct 11, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 82
Views: 8255

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

samsdad wrote:
Wed Oct 10, 2018 8:51 pm
If diapers are on sale I might pick up another case or two.
Yep that's on my list too. Costco baby!
by LesBleus**
Wed Oct 10, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 82
Views: 8255

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

Been waiting for BF for a while and planning to buy a new gaming machine $600 tops which I know isn't going to be the greatest. A nice monitor and powered speakers to go along with it. Also looking will be looking out for Zara and H&M deals.
by LesBleus**
Wed Oct 10, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 16132

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

You say that you don't care about weather, but then mention that you don't want your house flooded. That could rule out places like Houston, and where did that last hurricane hit the other week? That's right, NC. You also mention tornadoes, and yep, TX has those too, among many other types of sever...
by LesBleus**
Wed Oct 10, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 338
Views: 23807

Re: Talk me out of buying a Tesla Model 3

I don't like Teslas but you sound very giddy about it so just get it and have fun! :mrgreen:
by LesBleus**
Tue Oct 02, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 5910

Re: Root of Good's cost of raising a child: $3,300 per year

$200 for childcare per year is laughable. We spend that much on a day and a half with a local sitter. Tell me about the opportunity cost for staying at home. Starting at the beginning of the next year we’re planning on sending our kids to day care. It’ll be $139/week per child for 3 half days. That...
by LesBleus**
Mon Sep 10, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Bored
Replies: 56
Views: 9698

Re: Bored

Man I wished I was bored like OP. I'm still working to get all my ducks lined up by reading this forum so thx for this post I'm learning a lot from it.
Cheers! :sharebeer
by LesBleus**
Mon Sep 10, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 10517

Re: Anyone else not save for cars?

I was driving a 2004 Rav4 with 180k miles and decided to sell it after the serpentine belt broke along with other stuff that costed me $800 to fix. Bought a 2016 Honda Accord EX-L for about 22k out the door 2.1% auto loan. Did not put a down payment and paying $390 a month. I'm ok with that and plan...
by LesBleus**
Mon Aug 27, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Have you made short term sacrifices to gain long term success?
Replies: 17
Views: 1867

Re: Have you made short term sacrifices to gain long term success?

Thx for all the great inputs. I guess I'm homesick, missing family and friends especially the outdoor lifestyle. I've been to San Antonio and from what I've seen it's a lot better than Houston (scenery wise).
by LesBleus**
Fri Aug 24, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Have you made short term sacrifices to gain long term success?
Replies: 17
Views: 1867

Re: Have you made short term sacrifices to gain long term success?

In my late 20’s I accepted a work assignment in rural North Dakota. The incentives were free housing, car, monthly allowances, extra bonuses etc. I spent 2.5 years there and it was one of the best things I’ve ever done. I was able to save $250k while I was up there; and the work experience looks gr...
by LesBleus**
Thu Aug 23, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Have you made short term sacrifices to gain long term success?
Replies: 17
Views: 1867

Have you made short term sacrifices to gain long term success?

About three years ago wife and I moved to a somewhat LCOL area (Houston, TX) from Orange County, CA. Living in a LCOL city permitted my wife to start her small business, we were able buy a nice house and save extra money. Now we want to move back to Cali in 1 to 2 years, the lifestyle here is just n...