Search found 302 matches

by juliewongferra
Mon Nov 18, 2019 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads in Estate Plan?
Replies: 3
Views: 725

Bogleheads in Estate Plan?

Hello all (in particular, moderators), I have learned a lot from the Bogleheads site, and it has helped me with investments and other wise decisions in life. (And it has provided me with some entertainment, as I have lurked and read some of the more heated debates :D ) To cut to the chase, I would l...
by juliewongferra
Wed Jul 24, 2019 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Outpatient procedure: trying to estimate costs, but problem with doctors office
Replies: 34
Views: 2473

Re: Outpatient procedure: trying to estimate costs, but problem with doctors office

Dear everyone who has responded, or even though about responding, I truly, truly appreciate your thoughts and help. Thank you everyone who took the time to thinhk about the situation of me, a total stranger. In thinking about this overnight, and rereading the kind responses, I think that my focus on...
by juliewongferra
Wed Jul 24, 2019 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Outpatient procedure: trying to estimate costs, but problem with doctors office
Replies: 34
Views: 2473

Re: Outpatient procedure: trying to estimate costs, but problem with doctors office

Surgeon here. OP, is your outpatient procedure a diagnostic one that may commonly lead to a therapeutic procedure? Some procedure rarely lead to another one, but some procedures can become more expensive if some abnormalities are found. Eg, a screen colonoscopy lead to several polypectomies. A diag...
by juliewongferra
Wed Jul 24, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Outpatient procedure: trying to estimate costs, but problem with doctors office
Replies: 34
Views: 2473

Re: Outpatient procedure: trying to estimate costs, but problem with doctors office

Hello Bogleheads, I am not entirely sure if this belongs in the personal finance section of this site (or on this site at all, so I will understand if it is deleted), but I am emboldened by the post about emergency care, so I will give it a shot... I have to have an outpatient procedure next week a...
by juliewongferra
Tue Jul 23, 2019 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Outpatient procedure: trying to estimate costs, but problem with doctors office
Replies: 34
Views: 2473

Re: Outpatient procedure: trying to estimate costs, but problem with doctors office

I've seen a number of cost estimators for various procedures on hospital and insurance company websites. You can google it and get an approximate. I don't think the doctors office will help you. IF they estimate $2000 and it ends up costing $10000 they don't want to be on the hook for a bad estimat...
by juliewongferra
Tue Jul 23, 2019 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Outpatient procedure: trying to estimate costs, but problem with doctors office
Replies: 34
Views: 2473

Re: Outpatient procedure: trying to estimate costs, but problem with doctors office

When I first went on a HDHP a decade ago, I tried to find out costs ahead of time. It was absolutely a waste of time (and I don't give up easily). a) lab b) lab billing dept c) Doctor's office d) Doctor's billing e) insurance company Round and round we went. Lab says I need to talk to lab billing. ...
by juliewongferra
Tue Jul 23, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Outpatient procedure: trying to estimate costs, but problem with doctors office
Replies: 34
Views: 2473

Re: Outpatient procedure: trying to estimate costs, but problem with doctors office

...The problem is that the office is very insistent that the cost will depend on what happens in the appointment, if the doctor needs to do anything else, and that they will submit the specific CPT codes for the actual procedures after the appointment... Been there, done that. Does anyone have sugg...
by juliewongferra
Tue Jul 23, 2019 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Outpatient procedure: trying to estimate costs, but problem with doctors office
Replies: 34
Views: 2473

Re: Outpatient procedure: trying to estimate costs, but problem with doctors office

I've seen a number of cost estimators for various procedures on hospital and insurance company websites. You can google it and get an approximate. I don't think the doctors office will help you. IF they estimate $2000 and it ends up costing $10000 they don't want to be on the hook for a bad estimat...
by juliewongferra
Tue Jul 23, 2019 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Outpatient procedure: trying to estimate costs, but problem with doctors office
Replies: 34
Views: 2473

Re: Outpatient procedure: trying to estimate costs, but problem with doctors office

Cancel / re-schedule the procedure until you get the information you need. I spent some time last year talking to my insurance company and got very good information. The main thing I came away with was that I would meet my out-of-pocket number and would not have to pay anything more than that. I ev...
by juliewongferra
Tue Jul 23, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: Thank you notes,,, out of favor these days?
Replies: 107
Views: 6838

Re: Thank you notes,,, out of favor these days?

We have sent several wedding and bridal shower gifts this year. Not a single thank you note. Is this Old School and not done any longer? Thank yous should never be old school. Maybe not handwritten notes, but a thank you email or emoji or *something* to recognize your kindness. Because a favor give...
by juliewongferra
Tue Jul 23, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Outpatient procedure: trying to estimate costs, but problem with doctors office
Replies: 34
Views: 2473

Outpatient procedure: trying to estimate costs, but problem with doctors office

Hello Bogleheads, I am not entirely sure if this belongs in the personal finance section of this site (or on this site at all, so I will understand if it is deleted), but I am emboldened by the post about emergency care, so I will give it a shot... I have to have an outpatient procedure next week an...
by juliewongferra
Wed Jul 03, 2019 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Adult son has not controlled credit card overuse!
Replies: 106
Views: 7129

Re: Adult son has not controlled credit card overuse!

Cut the cord and MYOB...this is his own behavior problem. I once was your son and getting told NO was the thing that finally put spending more than I earned behind me. In my early to mid-20s I did a lot of borrowing from Peter to pay Paul. Most of it was completely my fault (overspending), while a ...
by juliewongferra
Wed Jul 03, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: What to let kids buy?
Replies: 49
Views: 4614

Re: What to let kids buy?

I have two young kids who have piggy banks from people gifting them money. And I have a “bank of Dad” set up with a few hundred in it from larger monetary gifts. Would the experienced parents just let them spend freely from their piggy banks / “bank account” or regulate it more? Mine usually dont b...
by juliewongferra
Wed Jul 03, 2019 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Adult son has not controlled credit card overuse!
Replies: 106
Views: 7129

Re: Adult son has not controlled credit card overuse!

So now, he is in this card mess again. Promises to put the cards away, and so on. He seems (not 100% sure) to be reluctantly willing to listen to me about getting his debts under control. Dear dm200, Is this accurate? He's an adult. If he is "reluctantly willing" to listen, I suggest you ...
by juliewongferra
Wed Jul 03, 2019 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Staying the course is so hard (support thread)
Replies: 141
Views: 16557

Re: Staying the course is so hard (support thread)

Hi all - I'm trying my best to stay the course. I'm 38, I'd love to retire in 13 years. I say 13 years because my mortgage (15 year bi-weekly payments) finishes then, and thats the same time my kid turns 18, so no more child support, and she'll have a healthy 529 by then. I'm trying to stay the cou...
by juliewongferra
Wed Jul 03, 2019 8:35 am
Forum: Personal Consumer Issues
Topic: security info breach @ Georgia Tech...but I have no relationship w/GT
Replies: 8
Views: 1180

Re: security info breach @ Georgia Tech...but I have no relationship w/GT

GT had a data breach, could have leaked info on many years' worth of student data. They probably hired someone to try to contact former students. They probably don't have current addresses for the overwhelming majority of former students. Your name probably matched against the name of a former stud...
by juliewongferra
Wed Jul 03, 2019 8:30 am
Forum: Personal Consumer Issues
Topic: security info breach @ Georgia Tech...but I have no relationship w/GT
Replies: 8
Views: 1180

Re: security info breach @ Georgia Tech...but I have no relationship w/GT

I don't have experience with this, but I would ignore it in any case. If I was a scammer, I would look for news articles like this and pitch a scam based on the article. But if you wanted to contact Georgia Tech directly, then I would contact their Public Affairs or Media Relations office and get t...
by juliewongferra
Tue Jul 02, 2019 6:01 pm
Forum: Personal Consumer Issues
Topic: security info breach @ Georgia Tech...but I have no relationship w/GT
Replies: 8
Views: 1180

security info breach @ Georgia Tech...but I have no relationship w/GT

Bogleheads, The scammed out of personal info ( https://www.bogleheads.org/forum/viewtopic.php?f=11&t=284713 ) thread got me thinking about a recent experience...in which I didn't even get the chance to give my info away because someone else already had it. I recently got a letter from Georgia In...
by juliewongferra
Mon Jun 17, 2019 4:19 pm
Forum: Personal Investments
Topic: opening Fidelity account, asking for employment info??
Replies: 9
Views: 1027

Re: opening Fidelity account, asking for employment info??

"self" always works for me ncbill, I was tempted just to enter "self"!!! But I also am a scardey cat when it comes to being telling white lies on forms that, I'll bet, say somewhere that misrepresentation is cause for them to close my account, etc. So I usually decide if giving ...
by juliewongferra
Mon Jun 17, 2019 4:17 pm
Forum: Personal Investments
Topic: opening Fidelity account, asking for employment info??
Replies: 9
Views: 1027

Re: opening Fidelity account, asking for employment info??

My son just opened a Roth IRA at Vanguard last week and was asked the same employment question. erictiger, Thanks for the reassurance! I haven't opened a new account with a new company in quite some time, so I wondered if this was a Fidelity-specific thing...it looks like it is indeed industry stan...
by juliewongferra
Mon Jun 17, 2019 4:15 pm
Forum: Personal Investments
Topic: opening Fidelity account, asking for employment info??
Replies: 9
Views: 1027

Re: opening Fidelity account, asking for employment info??

The employment question may be related to it (likely) also asking whether you are employed by a FINRA member firm, another broker-dealer, etc. If you are, they have to know that as required by law. NativeTxn, you're exactly correct! Lower in the page, it asked if I am employed by a FINRA member fir...
by juliewongferra
Mon Jun 17, 2019 11:58 am
Forum: Personal Investments
Topic: opening Fidelity account, asking for employment info??
Replies: 9
Views: 1027

Re: opening Fidelity account, asking for employment info??

This might be part of the know your customer laws, along with some due diligence. It is designed to prevent money laundering etc. https://www.trulioo.com/blog/kyc/ The relative is probably from your credit report. The house address is prbly also from credit report, and could be an error. . In the U...
by juliewongferra
Mon Jun 17, 2019 10:37 am
Forum: Personal Investments
Topic: opening Fidelity account, asking for employment info??
Replies: 9
Views: 1027

opening Fidelity account, asking for employment info??

Hello friends, I am int he process of opening a Fidelity brokerage account for the first time and was asked for my employer name and address. The page says that "industry regulations" require this information, but I do not recall answering this questions for Vanguard or T. Rowe Price. Have...
by juliewongferra
Wed Jun 05, 2019 12:38 pm
Forum: Personal Investments
Topic: How am I doing? (26yo)
Replies: 19
Views: 1984

Re: How am I doing? (26yo)

You are about 10 years ahead of where I was mentally - I didn’t get serious about contributing to retirement accounts until my mid-30s. Great start! OP, Yep, great start, you're setting a great foundation! But remember that it's not (only) how you start but how you finish, so keep your eye on the F...
by juliewongferra
Tue Jun 04, 2019 12:41 pm
Forum: Personal Investments
Topic: How am I doing? (26yo)
Replies: 19
Views: 1984

Re: How am I doing? (26yo)

Note: My discretionary income varies widely since it is something I don't budget for. I travel twice a year and eat/drink out often. I figured since I'm saving 30%, I can spend the rest (after paying bills, of course). Do you mean "discretionary spending varies widely"? If so, the I agree...
by juliewongferra
Sun May 26, 2019 4:55 pm
Forum: Personal Consumer Issues
Topic: How much to tip food delivery driver
Replies: 39
Views: 4039

Re: How much to tip food delivery driver

There have been a few times where they made me meet them in the lobby - they got $0. That happened to me when I was in college and sick. The desk called and said the delivery guy wouldn't bring the groceries to the second floor. He got a zero tip. If I order groceries via Peapod or Instagram, I tip...
by juliewongferra
Sun May 26, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 109
Views: 17110

Re: No more print Money magazine

After 1 year, the articles became repetitive, so I didn't resubscribe. It's was a good magazine for those just starting to sit down and look at finances. i.e., young people primarily. It didn't have a lot of advanced information in my opinion. I agree. 1) the audience for the magazine isn't a sophi...
by juliewongferra
Sun May 26, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: How much to tip food delivery driver
Replies: 39
Views: 4039

Re: How much to tip food delivery driver

There have been a few times where they made me meet them in the lobby - they got $0. That happened to me when I was in college and sick. The desk called and said the delivery guy wouldn't bring the groceries to the second floor. He got a zero tip. If I order groceries via Peapod or Instagram, I tip...
by juliewongferra
Fri May 17, 2019 8:26 am
Forum: Investing - Theory, News & General
Topic: Argument against Target Fund
Replies: 32
Views: 2726

Re: Argument against Target Fund

alexfoo39 wrote: Thu May 16, 2019 8:47 pm Let's say we have a 2040 target fund. What happens if a 50%+ decline event happened in 2039?
Yeah, that sucks. So what are you holding instead? and when will you know to buy that fund?

cheers,
jwf
by juliewongferra
Fri May 03, 2019 2:18 pm
Forum: Personal Investments
Topic: Optum HSA investing: paying too much, or worth the convenience?
Replies: 7
Views: 1372

Optum HSA investing: paying too much, or worth the convenience?

Dear Bogleheads, I have read many threads on HSAs, and many pertain to Fidelity's HSA or trustee-to-trustee transfers. But I'm curious if anyone has Optum and is satisfied with it. My relevant Optum HSA details: Balance of $5,100 Investable amount: $3,100 (because $2,000 must be the minimum balance,...
by juliewongferra
Tue Apr 16, 2019 11:57 am
Forum: Personal Investments
Topic: Zapped by a genie
Replies: 10
Views: 1070

Re: Zapped by a genie

You just got zapped by a genie. <<PAFF>> you are 28 years old again, have a sizeable cash emergency fund, and a Roth IRA and taxable brokerage account both with a $0 balance. The genie tells you that you have a good job with a good income, and that you should start investing. Experienced investors,...
by juliewongferra
Sat Apr 13, 2019 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid throwing money at problems?
Replies: 62
Views: 4985

Re: How to avoid throwing money at problems?

DH and I have a six month old and we are finding ourselves with a lack of time to get the basics done. DH and I both work a minimum of 60 hours a week and DS is in daycare so is sick often and our family logistics have been shot. HHI ~350k with bonuses, 90k without bonuses, 950k NW, 250k in house e...
by juliewongferra
Sat Apr 13, 2019 12:33 pm
Forum: Personal Investments
Topic: Savings by 30?
Replies: 45
Views: 6750

Re: Savings by 30?

Please advise if you had a savings goal by 30. If you have more than 100k saved are you on the right track? Right now I have some student loan debt but have around 130k in savings. This includes EF, taxable accounts, and 401k. I am 30. Thanks all. Edit: Interesting. Thanks all. I am also married an...
by juliewongferra
Sat Apr 13, 2019 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Young And Senior Community
Replies: 10
Views: 1334

Re: Young And Senior Community

On the plus side, you generally don't have to worry about loud music and all-night hot tub parties. This is wrong. You do have to worry about loud music because seniors have bad hearing and need to turn up the volume. And it isn't just music, it's also television, so I hope you like 60 Minutes. As ...
by juliewongferra
Sat Apr 13, 2019 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 1367
Views: 183945

Re: How much money do you want to retire?

benign_user wrote: Wed Aug 02, 2017 9:20 am How much money do you want to retire? Please also state your age. Also assume your pensions will be zero.
I WANT ALL TEH MONEYS
by juliewongferra
Sat Mar 30, 2019 6:13 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 303
Views: 38586

Re: "The best and worst U.S. states for retirement"

Grok, Any survey that ranks Minnesota as number 1 in Quality of life is just flawed IMO. How can you say it is wonderful to live in a place where it will freeze you or give you severe frostbite if you stay outside for 10 minutes. And the weather is like this for 5-6 months every winter. That is jus...
by juliewongferra
Sat Mar 30, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 303
Views: 38586

Re: "The best and worst U.S. states for retirement"

Every study is flawed. You have to do your own. No study is perfect, to be sure. But the flaws in this study are egregious. I agree that this is a pretty useless study. Plus, even if it *was* useful, things change so much that it's not useful for any non-early retirees younger 40, maybe 50. Lots of...
by juliewongferra
Sat Mar 30, 2019 6:01 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 303
Views: 38586

Re: "The best and worst U.S. states for retirement"

Grok, Any survey that ranks Minnesota as number 1 in Quality of life is just flawed IMO. How can you say it is wonderful to live in a place where it will freeze you or give you severe frostbite if you stay outside for 10 minutes. And the weather is like this for 5-6 months every winter. That is jus...
by juliewongferra
Tue Mar 26, 2019 11:22 am
Forum: Personal Consumer Issues
Topic: High School Senior Pictures
Replies: 91
Views: 5618

Re: High School Senior Pictures

Am wondering what you do in regards to senior pictures for your high school senior? Our other children who have graduated (boys) were more than happy with me taking their pictures. We have a nice camera and lots of different areas on our property to shoot pictures. We buy photo paper to print them ...
by juliewongferra
Fri Mar 15, 2019 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Step up cost basis of bank CD?
Replies: 1
Views: 374

Step up cost basis of bank CD?

Dear Bogleheads, A two-part question for a Friday evening: 1) I understand step ups in cost basis for inherited things, like mutual funds and real estate. In this case, the price of the mutual fund or real estate at death becomes the cost basis for the beneficiary. But what about a bank CD? Let's sa...
by juliewongferra
Fri Mar 15, 2019 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Bright daughter wants to work for nonprofit
Replies: 103
Views: 9295

Re: Bright daughter wants to work for nonprofit

It looks like the OP did a peace out on page 1. yeah, not sure why people continue to weigh in, especially off topic...IMHO, although OP posted the issue of whether a non-profit is a good job, the REAL issue is whether OP should be involved at all in another adult's (even if a "bright" da...
by juliewongferra
Wed Mar 13, 2019 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Bright daughter wants to work for nonprofit
Replies: 103
Views: 9295

Re: Bright daughter wants to work for nonprofit

Daughter is 3 years out of college. Very bright. Graduated from a top college in Business. CPA. She has been with 3 companies and did well in all. Companies loved her. She has a very bright future. However, she recently decided that she wants to work for a nonprofit. She was upfront with her curren...
by juliewongferra
Sat Mar 09, 2019 12:22 pm
Forum: Personal Investments
Topic: From Dunderhead to Boglehead
Replies: 15
Views: 2023

Re: From Dunderhead to Boglehead

I'm only a few days old on here - I think this is my third post. I initially stumbled upon this forum when doing a google search for a solution to a problem I had with my current financial advisor. After selling my small business three years ago, I hoped my wife and I could reduce our lifestyle, li...
by juliewongferra
Sat Mar 09, 2019 12:16 pm
Forum: Investing - Theory, News & General
Topic: Year's worth of earnings in two months?
Replies: 69
Views: 7809

Re: Year's worth of earnings in two months?

Dipping back into the market in January and February, just sensing the momentum, I ended up booking a full year's worth of expected return in 2 months. I was sensing a top (and also the top of the range had been met), so I sold last Thursday. Now, after thinking about this, I don't see much sense i...
by juliewongferra
Sat Mar 09, 2019 12:08 pm
Forum: Investing - Theory, News & General
Topic: Does The 4% Rule Work Around The World?
Replies: 23
Views: 1736

Re: Does The 4% Rule Work Around The World?

No, it doesn't, as shown in this article. Also, as mentioned, it fails in some of the countries even during periods that don't include the world wars. This always makes me wonder why people with substantial ex-US exposure still consider US-only results (like the 4% SWR for 30 years) to be relevant ...
by juliewongferra
Fri Feb 15, 2019 9:23 am
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay
Replies: 26
Views: 2451

Re: IRS Direct Pay

One of my hobbies is paying estimated taxes with my rewards credit card. It's really easy and I earn a small profit and a little float. whodidntauntie, You can make a profit even with the credit card fees? So I guess it's something like: 1) Credit card rewards (cash back, points, whatever) are 1% 2...
by juliewongferra
Thu Feb 14, 2019 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay
Replies: 26
Views: 2451

Re: IRS Direct Pay

One of my hobbies is paying estimated taxes with my rewards credit card. It's really easy and I earn a small profit and a little float. How do you pay for the same year? In other words, how do you pay for 2019 today? My experience has been that 2019 will be an available option only in 01/2020! :oop...
by juliewongferra
Thu Feb 14, 2019 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay
Replies: 26
Views: 2451

Re: IRS Direct Pay

One of my hobbies is paying estimated taxes with my rewards credit card. It's really easy and I earn a small profit and a little float. whodidntauntie, You can make a profit even with the credit card fees? So I guess it's something like: 1) Credit card rewards (cash back, points, whatever) are 1% 2...
by juliewongferra
Thu Feb 14, 2019 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay
Replies: 26
Views: 2451

Re: IRS Direct Pay

I just use the ACH option on the form. As HueyLD said, you don't need to use a checking account for that, you can debit it from a savings or money market account. As an aside, getting an online checking account with no minimum balance is fairly easy. You can always set one up now and pay with it. T...
by juliewongferra
Thu Feb 14, 2019 11:13 am
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay
Replies: 26
Views: 2451

IRS Direct Pay

Hi! After many years of using paper checks to pay my taxes, my bank increased the minimum balance, or else I would be charged a fee. So I left them, and don't have a checking account at the moment. But I still have to pay my taxes. :( I don't file online because it would not be free, I mail in my re...