Search found 2938 matches
- Thu Mar 28, 2024 5:39 am
- Forum: Personal Finance (Not Investing)
- Topic: Can Medical provider “mess up” bill like that?
- Replies: 29
- Views: 1459
Re: Can Medical provider “mess up” bill like that?
I think I would pay the amount stated in the EOB as your responsibility, and send the dr's office a letter saying you will not pay any amount greater than what the EOB states, and explain why. Then see what happens. If they keep sending the bill, keep responding with the same letter. Eventually they have to give you an answer as to why they aren't following their own contract with the insurance company (or why your assertion that they are not doing so is incorrect). I find it much faster to type out a quick letter than to talk to 17 different unempowered people on the phone. And a paper trail is always good if they keep insisting you pay what you don't owe and you have to fight it. Whatever the code is, it wasn't billed to insurance so it'...
- Wed Mar 27, 2024 9:14 pm
- Forum: Personal Finance (Not Investing)
- Topic: Can Medical provider “mess up” bill like that?
- Replies: 29
- Views: 1459
Re: Can Medical provider “mess up” bill like that?
It seems like health care providers are aiming for the following: Every visit to the provider involves two services, one covered by insurance, the other not. The provider gets to set its price for the latter, and charge the patient directly. This is no different from the well-known example of an in-network hospital where you get operated on, but the anesthesiologist is out of network and bills separately. In a post I can't locate, a Boglehead wrote: "It appears that no anesthesiologists are in any network and nobody will ever admit it before the procedure." Providers realized decades ago that the best situation is a total denial of insurance coverage for something, since they get to bill the patient what they wish for that thing....
- Wed Mar 27, 2024 7:48 pm
- Forum: Personal Finance (Not Investing)
- Topic: Can Medical provider “mess up” bill like that?
- Replies: 29
- Views: 1459
Re: Can Medical provider “mess up” bill like that?
Too vague to know what’s going on
Doesn’t sound right though
Doesn’t sound right though
- Wed Mar 27, 2024 7:01 pm
- Forum: Personal Finance (Not Investing)
- Topic: Why does a discussion of Financial Planning almost always turns into buying Whole life insurance?
- Replies: 49
- Views: 2361
Re: Why does a discussion of Financial Planning almost always turns into buying Whole life insurance?
Most of the time for surebsteiner wrote: ↑Wed Mar 27, 2024 6:49 pmWouldn’t the trust for the disabled child have substantially more money if you didn’t buy the whole life insurance (and bought term insurance until you accumulated enough money)?TimDex wrote: ↑Wed Mar 27, 2024 6:40 pm Whole life could be useful for funding a trust for a disabled child, or possibly as part of a business partnership agreement, but outside of that, I would be very wary of it. You’re turning your compounded growth over to a company and they’re taking their commissions out of it.
- Tue Mar 26, 2024 7:54 pm
- Forum: Investing - Theory, News & General
- Topic: Boeing (BA) stock: at some point it has to be a bargain
- Replies: 197
- Views: 19445
Re: Boeing (BA) stock: at some point it has to be a bargain
As an aeronautical engineer, I have a sentimental softness for Boeing, as a "stalwart" in the industry, and the developer of many fine technological advances, such as the B29 and other storied aircraft, the 747 and so on. Unfortunately that does not translate into any knowledge, actionable or even merely theoretical, into either its prospects as a business, or its vitality as a stock. As others noted, it is unlikely that Boeing would be "allowed" to outright fail, meaning that in dire situation, there would be a bailout. But again as others have noted, that is no balm for pained investors, and instead is likely a wipeout. I do hope that Boeing turns-around and succeeds, but can't justify devoting even just play-money, t...
- Tue Mar 26, 2024 7:49 pm
- Forum: Investing - Theory, News & General
- Topic: Boeing (BA) stock: at some point it has to be a bargain
- Replies: 197
- Views: 19445
Re: Boeing (BA) stock: at some point it has to be a bargain
I get your point but it's really not a fair comparison unless you think Boeing's recent challenges / incompetence will continue and create a collapse equivalent to Enron's outright, massive scale fraud. Seems unlikely. Do you still feel that way? They have been in the news a lot lately, and not in a good way. It seems to me that they could use brand new management. But I'm not sure that will happen. Could certainly go the way of GM, though not Enron unless some more criminal cover-up of known defects comes to light. The company certainly has struggled, and not just the commercial side. Defense is ailing too. But a collapse like Enron, I don't see it. Boeing is inept at times, but not crooked. Recovery will happen but it will take years. Ca...
- Tue Mar 26, 2024 11:14 am
- Forum: Personal Finance (Not Investing)
- Topic: LTC + Universal insurance in one product
- Replies: 22
- Views: 1076
Re: LTC + Universal insurance in one product
Of course it does First they raid all your death benefit and csv and then the ltci kicks in. If it didn’t then it wouldn’t even be a rider. These are still bad deals. What a great deal for a permanent insurance to eventually still have less csv then premiums. Sarcasm Well if your options are $0 cash value forever or 80-90% of premiums paid as cash value forever, most people would like the idea of the cash value as an escape hatch in case their needs change in the future or they simply decide they don't want to pay for it anymore. With a traditional LTC policy you would never get anything back if you cancel it in the future. The death benefit should be thought of as a secondary feature. Term insurance for a similar amount would be dirt chea...
- Tue Mar 26, 2024 9:52 am
- Forum: Personal Finance (Not Investing)
- Topic: LTC + Universal insurance in one product
- Replies: 22
- Views: 1076
Re: LTC + Universal insurance in one product
These products make no logical sense. These long-term-care riders are not really long-term-care insurance because they do not add new coverage . They simply give you the right to divert existing coverage to a different purpose. They let you raid the death benefit to pay for long-term care. Keep your eye on the ball. That's the death benefit. The purpose of life insurance is to provide a death benefit. Don't let the insurance company distract you with sparkly little side goodies. Well, do you need the death benefit or not? If you don't need it, you don't need life insurance and shouldn't buy it at all. If you do need it, you need it. If someone spends their final years in a long-term-care facility, why would their surviving family will need...
- Tue Mar 26, 2024 6:44 am
- Forum: Non-US Investing
- Topic: Career break to maximise time with kids?
- Replies: 43
- Views: 3127
Re: Career break to maximise time with kids?
That’s probably not best for them. You may or may not enjoy it as much as you think when it’s 24/7.
It’s normal to be forced to find friends and do things both good and bad without your dad there all the time.
I’d look to find ways to spend a little more but not all the time with them.
It’s normal to be forced to find friends and do things both good and bad without your dad there all the time.
I’d look to find ways to spend a little more but not all the time with them.
- Mon Mar 25, 2024 10:15 pm
- Forum: Personal Finance (Not Investing)
- Topic: LTC + Universal insurance in one product
- Replies: 22
- Views: 1076
Re: LTC + Universal insurance in one product
Not new at all
The insurance industry would love for you to buy hybrid products. It’s much better for them.
Terrible performing permanent insurance and less ltci per dollar.
They use up all your death benefit and cash value before kicking in any ltc benefit
Unless someone is buying it for you and you can’t get the money otherwise, I’d avoid.
If healthy you should pretty much always have term not work associated
Lots of threads on these products
The insurance industry would love for you to buy hybrid products. It’s much better for them.
Terrible performing permanent insurance and less ltci per dollar.
They use up all your death benefit and cash value before kicking in any ltc benefit
Unless someone is buying it for you and you can’t get the money otherwise, I’d avoid.
If healthy you should pretty much always have term not work associated
Lots of threads on these products
- Mon Mar 25, 2024 8:18 pm
- Forum: Personal Finance (Not Investing)
- Topic: Hospital not following up with my insurance for large claim
- Replies: 24
- Views: 2261
Re: Hospital not following up with my insurance for large claim
If the patient portal shows you owe nothing, it may very well be because the hospital sold the debt. Be proactive and call their billing department to find out if this is what happened. Make sure to keep copies of all previous communications. They may be needed later to dispute the duplicate charges. Not likely at all First off too short a period of time 2nd off with zero attempts to contact him Both happened to me with similar time-frame, about 6 months. The debt collector never sent a bill. I only found out about it when applying for credit. It is illegal for the debt collector to do this. They are supposed to notify you of the debt, and you have the right to dispute it if incorrect. All I can tell you is that they sometimes don't follow...
- Mon Mar 25, 2024 5:14 pm
- Forum: Personal Finance (Not Investing)
- Topic: Hospital not following up with my insurance for large claim
- Replies: 24
- Views: 2261
Re: Hospital not following up with my insurance for large claim
Not likely at allmadbrain wrote: ↑Mon Mar 25, 2024 4:44 pm If the patient portal shows you owe nothing, it may very well be because the hospital sold the debt.
Be proactive and call their billing department to find out if this is what happened.
Make sure to keep copies of all previous communications. They may be needed later to dispute the duplicate charges.
First off too short a period of time
2nd off with zero attempts to contact him
- Mon Mar 25, 2024 1:02 pm
- Forum: Personal Finance (Not Investing)
- Topic: Hospital not following up with my insurance for large claim
- Replies: 24
- Views: 2261
Re: Hospital not following up with my insurance for large claim
What exactly do you think you would do?
- Sun Mar 24, 2024 3:49 pm
- Forum: Personal Finance (Not Investing)
- Topic: Annuity for spendthrift brother on mom's death?
- Replies: 52
- Views: 4171
Re: Annuity for spendthrift brother on mom's death?
He could just sell the annuity any ways so there is little protection for the issue
- Sun Mar 24, 2024 11:04 am
- Forum: Personal Finance (Not Investing)
- Topic: Annuity Consideration: I'm the House
- Replies: 19
- Views: 1965
Re: Annuity Consideration: I'm the House
insurance companies price in long lifers buying annuities they use different mortality tables then they do with life insurance each mortality table favors them i dont speak for taylor or anyone for that matter but i believe he has said that his annuities were his best investments besides living long one should also realize he bought them i believe in 80s and they were bought at a relatively higher interest rate environment that continued to decrease as well as a relatively low inflation environment. You cant control those factors but they very likely could effect your happiness with your purchase. SPIAs or an income rider on a very short deferred annuity (doesnt matter which kind) can be very useful. I still feel deferring ssn first is best...
- Wed Mar 20, 2024 9:06 pm
- Forum: Personal Investments
- Topic: Equiy Indexed Annuity using retirement money
- Replies: 28
- Views: 1902
Re: Equiy Indexed Annuity using retirement money
Only agents can sell insurance products
Agents commission is built into the products
Agents commission is built into the products
- Wed Mar 20, 2024 7:17 pm
- Forum: Personal Investments
- Topic: Equiy Indexed Annuity using retirement money
- Replies: 28
- Views: 1902
Re: Equiy Indexed Annuity using retirement money
Garbage advice
They can change the caps and participation rates without your consent
They don’t include dividends which are important
What they do is invest 96-98% in bonds and the other 4% in options. Your return will thus be similar to regular fixed annuities regardless of their initial caps/participation rates bc they are limited by their own investments
They agent will get a nice commission for selling it to you.
Avoid it.
They can change the caps and participation rates without your consent
They don’t include dividends which are important
What they do is invest 96-98% in bonds and the other 4% in options. Your return will thus be similar to regular fixed annuities regardless of their initial caps/participation rates bc they are limited by their own investments
They agent will get a nice commission for selling it to you.
Avoid it.
- Wed Mar 20, 2024 6:10 pm
- Forum: Personal Finance (Not Investing)
- Topic: Does it make sense to have a Genworth LTC policy?
- Replies: 2
- Views: 408
Re: Does it make sense to have a Genworth LTC policy?
You don’t provide enough details but I’d keep what you got. As bad as genworth is, they are still paying. Personally I don’t think they will be allowed to go under but I do agree rate premiums will go up.
Hybrids are pretty much garbage. It’s either bad permanent insurance or bad annuity with a rider in case u use ltc. They use up all your money inside the policy first.
Hybrids are pretty much garbage. It’s either bad permanent insurance or bad annuity with a rider in case u use ltc. They use up all your money inside the policy first.
- Wed Mar 20, 2024 8:55 am
- Forum: Personal Finance (Not Investing)
- Topic: Hospital Bill - Negotiation strategies?
- Replies: 136
- Views: 8565
Re: Hospital Bill - Negotiation strategies?
I don't think anyone is happy with it except those drastically profiting from it (ie, large hospitals that also provide insurance like Kaiser who thankfully we don't have anymore, and probably plenty of other insurance companies too, like Aetna, who we currently do have). This must be a local thing. Kaiser is top-rated by the state in California for quality of medical care. Aetna comes dead last. https://reportcard.opa.ca.gov/rc/HMO_PPOCombined.aspx As a patient with multiple chronic conditions, never having to file claims is a huge benefit. I assume it is less paperwork for the doctors, too. I live in California - Kaiser is the worst. They will go to any length to cut costs. The doctors there seem like people they pulled off the street an...
- Wed Mar 20, 2024 8:43 am
- Forum: Personal Investments
- Topic: Insurance Co attempting to change terms of contract
- Replies: 20
- Views: 2411
Re: Insurance Co attempting to change terms of contract
I’ll be interested to see if ny actually looks into it or just says state x is on the case. Hopefully we find out.
- Wed Mar 20, 2024 8:14 am
- Forum: Forum Issues and Administration
- Topic: Rule Against Disparaging a Post or Question?
- Replies: 68
- Views: 6423
Re: Rule Against Disparaging a Post or Question?
Some of these topics those of us who have posted, have posted a lot. It just isn’t even possible to retype every time.
It’s the open ended vague questions where please read is best like is whole life a good investment. Now if you have a very specific question that can be directly answered then sure we should answer more often then tell person to go read.
It’s the open ended vague questions where please read is best like is whole life a good investment. Now if you have a very specific question that can be directly answered then sure we should answer more often then tell person to go read.
- Wed Mar 20, 2024 8:10 am
- Forum: Personal Investments
- Topic: Insurance Co attempting to change terms of contract
- Replies: 20
- Views: 2411
Re: Insurance Co attempting to change terms of contract
To be clear though you use your own state regulator
- Wed Mar 20, 2024 7:32 am
- Forum: Personal Investments
- Topic: Insurance Co attempting to change terms of contract
- Replies: 20
- Views: 2411
Re: Insurance Co attempting to change terms of contract
I wish you success
I could possibly understand guardians position if they had told you hey this is late and here are the new rates are u interested
For sure if rates went up they would expect you to stay by your contract
I’m not sure you will win but I don’t see you getting traction on your own.
Again best of luck
I could possibly understand guardians position if they had told you hey this is late and here are the new rates are u interested
For sure if rates went up they would expect you to stay by your contract
I’m not sure you will win but I don’t see you getting traction on your own.
Again best of luck
- Tue Mar 19, 2024 10:57 pm
- Forum: Forum Issues and Administration
- Topic: Rule Against Disparaging a Post or Question?
- Replies: 68
- Views: 6423
Re: Rule Against Disparaging a Post or Question?
Actually I have so yes I know what I’m talking aboutmurrays wrote: ↑Tue Mar 19, 2024 6:36 pmHave you tried reading through a long thread on any particular topic? Or noticed that there are dozens of new topics every day?
As a relatively new participant, I tend to scroll through the list of topics and refrain from clicking on anything with more than 2 pages of responses since I prefer active discussions/interactions without spending 10 minutes reading through responses.
There are far better suggestions than "telling people to read the old posts".
- Tue Mar 19, 2024 10:57 pm
- Forum: Personal Investments
- Topic: Insurance Co attempting to change terms of contract
- Replies: 20
- Views: 2411
Re: Insurance Co attempting to change terms of contract
That’s not been my personal experience with guardian
It was no response
Then no response
Then pretend to look into it
Then deny it
Then I needed to get the state insurance commissioner involved
After they got involved, it still took months for them to get guardian to provide response.
If you think they will solve this quickly after how long they already have had, I believe you are mistaken. I’d contact the state commissioner at this point.
It was no response
Then no response
Then pretend to look into it
Then deny it
Then I needed to get the state insurance commissioner involved
After they got involved, it still took months for them to get guardian to provide response.
If you think they will solve this quickly after how long they already have had, I believe you are mistaken. I’d contact the state commissioner at this point.
- Tue Mar 19, 2024 6:19 pm
- Forum: Personal Investments
- Topic: Insurance Co attempting to change terms of contract
- Replies: 20
- Views: 2411
Re: Insurance Co attempting to change terms of contract
There is no evidence in this case they issued a wrong policy
- Tue Mar 19, 2024 5:48 pm
- Forum: Personal Investments
- Topic: Insurance Co attempting to change terms of contract
- Replies: 20
- Views: 2411
Re: Insurance Co attempting to change terms of contract
Contract terms are going to be the final
They won’t honor what they consider erroneous illustrations
You absolutely need to complain to the state board to get resolution.
I never got a letter back from guardian ceo personally
They won’t honor what they consider erroneous illustrations
You absolutely need to complain to the state board to get resolution.
I never got a letter back from guardian ceo personally
- Tue Mar 19, 2024 11:22 am
- Forum: Personal Finance (Not Investing)
- Topic: Hospital Bill - Negotiation strategies?
- Replies: 136
- Views: 8565
Re: Hospital Bill - Negotiation strategies?
There isn’t any reason from what is written to believe a mistake has occurred with the OP but one should wait for an EOBsimplesimon wrote: ↑Tue Mar 19, 2024 10:26 amI'm in the middle of a very lengthy process with the insurance company to have a claim adjusted for a household member because it was coded as out of network and the (higher) out of network deductible applied when it was actually in-network.
Mistakes do happen but I would not be surprised if most people in my situation ended up paying for not knowing any better. It is crazy and unfortunate how knowledgeable someone must be to navigate the healthcare system.
- Tue Mar 19, 2024 10:20 am
- Forum: Personal Finance (Not Investing)
- Topic: Hospital Bill - Negotiation strategies?
- Replies: 136
- Views: 8565
Re: Hospital Bill - Negotiation strategies?
Whatever your EOB says (assuming no mistakes which seems unlikely) is what you owe. You agreed to that with your insurance.
- Mon Mar 18, 2024 7:31 pm
- Forum: Forum Issues and Administration
- Topic: Rule Against Disparaging a Post or Question?
- Replies: 68
- Views: 6423
Re: Rule Against Disparaging a Post or Question?
Personally I think it’s fine to tell people it’s been answered
If you ask a teacher a question, it’s ok if they point you back to the book
It gets near impossible for people to write up the same information time and time again. There is value in telling people to read the old posts.
If you ask a teacher a question, it’s ok if they point you back to the book
It gets near impossible for people to write up the same information time and time again. There is value in telling people to read the old posts.
- Mon Mar 18, 2024 6:30 pm
- Forum: Personal Investments
- Topic: cash balance plan investments
- Replies: 3
- Views: 547
Re: cash balance plan investments
I assume this is your own personal and don’t have employees?
I do almost all stocks
If it’s just you then that’s the way to go since if you “mess up” then the government gives you “another chance “ assuming you can do this from an income standpoint. If having to catch up any losses would be too difficult then do bonds.
I do almost all stocks
If it’s just you then that’s the way to go since if you “mess up” then the government gives you “another chance “ assuming you can do this from an income standpoint. If having to catch up any losses would be too difficult then do bonds.
- Mon Mar 18, 2024 7:59 am
- Forum: Investing - Theory, News & General
- Topic: Anybody heard stories of well "prepared" retirees running out of money?
- Replies: 210
- Views: 23824
Re: Anybody heard stories of well "prepared" retirees running out of money?
Even if the new 4% is some number less than that, it’s too soon to know if people have failed. Won’t know for 20 more years. While we had a relatively longer term near zero interest environment, that has changed and the stock market has been reasonable.
- Sun Mar 17, 2024 8:40 pm
- Forum: Personal Investments
- Topic: Solicitation From Advisor--Privacy of Account
- Replies: 16
- Views: 1583
Re: Solicitation From Advisor--Privacy of Account
i dont know what they use but i will tell you that i typically put new money into schwab in relatively larger increments which of course is cash at first. They always call after that.
- Sun Mar 17, 2024 8:39 pm
- Forum: Personal Finance (Not Investing)
- Topic: Medicare: Getting Part A and D only
- Replies: 89
- Views: 4985
Re: Medicare: Getting Part A and D only
absolutely get part B
not only are there a ton of things it would cover, there is no telling what rates people might charge you for no insurance.
not only are there a ton of things it would cover, there is no telling what rates people might charge you for no insurance.
- Sat Mar 16, 2024 8:03 pm
- Forum: Personal Investments
- Topic: Solicitation From Advisor--Privacy of Account
- Replies: 16
- Views: 1583
Re: Solicitation From Advisor--Privacy of Account
Schwab does this too as does everyone else. I ignore the calls.
- Fri Mar 15, 2024 11:04 pm
- Forum: Personal Consumer Issues
- Topic: Dumped from PT due to low Medicare reimbursements?
- Replies: 59
- Views: 4135
Re: Dumped from PT due to low Medicare reimbursements?
Those codes aren’t necessarily always accepted. All PT that is paid for by insurance has to by definition be considered medically necessary.
Bottom line though per what’s written is that the PT claims to be done. One can theorize on other reasons but that won’t change anything.
Bottom line though per what’s written is that the PT claims to be done. One can theorize on other reasons but that won’t change anything.
- Fri Mar 15, 2024 5:49 pm
- Forum: Personal Finance (Not Investing)
- Topic: Tricare Retired Reserve: wow it sucks wth?
- Replies: 25
- Views: 2470
Re: Tricare for Life: wow it sucks wth?
If you did, then you’d realize this isn’t the horrible deal you make it out to be. Maybe in the future they do increase benefits bc they are continuing to miss their recruitment marks. My guess though is that they won’t target this particular benefit.
- Fri Mar 15, 2024 4:42 pm
- Forum: Personal Finance (Not Investing)
- Topic: Getting ready to leave Northwestern Mutual annuity, but what about Insurance?
- Replies: 9
- Views: 1026
Re: Getting ready to leave Northwestern Mutual annuity, but what about Insurance?
You absolutely can just have their disability although they are weaker than guardian or principal or standard with true own occupation.
- Fri Mar 15, 2024 2:19 pm
- Forum: Personal Finance (Not Investing)
- Topic: Tricare Retired Reserve: wow it sucks wth?
- Replies: 25
- Views: 2470
Re: Tricare for Life: wow it sucks wth?
That’s super cheap except compared to subsidized plans
- Thu Mar 14, 2024 1:33 pm
- Forum: Personal Investments
- Topic: "Rich Man's Roth" / 7702
- Replies: 37
- Views: 5557
Re: "Rich Man's Roth" / 7702
It all needs to be put in perspective back many decades ago treasuries were at 14%. These policies illustrated better on paper then. You take into consideration estate taxes and how these companies helped to package it all up with an irrevocable trust, it was more popular.
Now you can invest tax efficiently in your taxable account, your return is very likely to destroy any even illustrated return, and you currently aren’t as concerned about estate limits.
Now you can invest tax efficiently in your taxable account, your return is very likely to destroy any even illustrated return, and you currently aren’t as concerned about estate limits.
- Thu Mar 14, 2024 11:48 am
- Forum: Personal Investments
- Topic: "Rich Man's Roth" / 7702
- Replies: 37
- Views: 5557
Re: "Rich Man's Roth" / 7702
Needed an irrevocable trust too. So it wasn’t the life insurance that took it out of the estate but yes it was done
- Thu Mar 14, 2024 10:55 am
- Forum: Personal Finance (Not Investing)
- Topic: Another Whole Life Insurance Question
- Replies: 6
- Views: 611
Re: Another Whole Life Insurance Question
Just fyi since you already paid this years premium, the dividend will come next January. Might surrender or 1035 exchange after that day. You can request in force illustration.
- Thu Mar 14, 2024 10:39 am
- Forum: Personal Investments
- Topic: "Rich Man's Roth" / 7702
- Replies: 37
- Views: 5557
Re: "Rich Man's Roth" / 7702
It’s amazing the number of terms the insurance industry uses to get you interested in permanent insurance. None of this is new andut is not a good investment. Also interesting how people always want to believe they are the one person who this is right for.
- Wed Mar 13, 2024 8:41 pm
- Forum: Personal Finance (Not Investing)
- Topic: Genworth settlement offer, solvency & guaranty fund – thoughts?
- Replies: 6
- Views: 1015
Re: Genworth settlement offer, solvency & guaranty fund – thoughts?
Purchasing and already having purchased insurance are different conversations
Change nothing. That’s still the best deal and why they want to offer you alternatives.
Change nothing. That’s still the best deal and why they want to offer you alternatives.
- Tue Mar 12, 2024 6:16 pm
- Forum: Personal Finance (Not Investing)
- Topic: Genworth settlement offer, solvency & guaranty fund – thoughts?
- Replies: 6
- Views: 1015
Re: Genworth settlement offer, solvency & guaranty fund – thoughts?
I’d keep the policy as originally designed
That’s the most in your favor
My personal guess is they won’t let genworth go insolvent. Mostly through rate increases but scrutinizing rate increases so it will be an ok deal but that’s just my guess.
That’s the most in your favor
My personal guess is they won’t let genworth go insolvent. Mostly through rate increases but scrutinizing rate increases so it will be an ok deal but that’s just my guess.
- Mon Mar 11, 2024 9:40 pm
- Forum: Personal Finance (Not Investing)
- Topic: Confused--Part D (Drug Plan) Much More for Certain Prescriptions than Originally Quoted
- Replies: 15
- Views: 1209
Re: Confused--Part D (Drug Plan) Much More for Certain Prescriptions than Originally Quoted
That’s not clear either bc the drug was not mentioned or its annual cost. Did it go up 10% or 100%.
- Mon Mar 11, 2024 8:53 pm
- Forum: Personal Finance (Not Investing)
- Topic: Confused--Part D (Drug Plan) Much More for Certain Prescriptions than Originally Quoted
- Replies: 15
- Views: 1209
Re: Confused--Part D (Drug Plan) Much More for Certain Prescriptions than Originally Quoted
Why would you assume the prices can’t change?
- Mon Mar 11, 2024 8:02 pm
- Forum: Personal Finance (Not Investing)
- Topic: Variable Universal Life
- Replies: 62
- Views: 3161
Re: Variable Universal Life
That would also be useless
You absolutely signed paperwork which told you the contract prevails
You absolutely signed paperwork which told you the contract prevails
- Mon Mar 11, 2024 7:52 pm
- Forum: Personal Finance (Not Investing)
- Topic: Variable Universal Life
- Replies: 62
- Views: 3161
Re: Variable Universal Life
Chardo is going to be right
All the free riders work that way
Look let’s just pretend they wanted to be fair. If the death benefit were 100k and you were going to live 1 year then rightfully they should give u like 96k bc they can get about 4k in their money. Thing is they make the terms and always drastically assume the unknows in their favor. They will in essence be like well coukd live another 20 years so we will give you half. (Completely made up numbers).
Doesn’t matter what the agent says. What matters is what is in the contract. You can remember anything u want but that doesn’t mean jack.
All the free riders work that way
Look let’s just pretend they wanted to be fair. If the death benefit were 100k and you were going to live 1 year then rightfully they should give u like 96k bc they can get about 4k in their money. Thing is they make the terms and always drastically assume the unknows in their favor. They will in essence be like well coukd live another 20 years so we will give you half. (Completely made up numbers).
Doesn’t matter what the agent says. What matters is what is in the contract. You can remember anything u want but that doesn’t mean jack.
- Mon Mar 11, 2024 6:50 pm
- Forum: Personal Consumer Issues
- Topic: Want to leave timeshare.
- Replies: 111
- Views: 12270
Re: Want to leave timeshare.
John Oliver did a special on these companiesMrMoose wrote: ↑Wed Feb 28, 2024 7:40 am There are companies that advertise on the radio that they can get you out of your timeshare deal. While I can't vouch for any of these, the company that Dave Ramsey advertised did successfully get me out of my contract. They have since gone out of business due to poor business practices.
You can search eBay to get an idea of what your timeshare is worth - note that there are a lot for sale for $1.00 where people like us just want to dump them. Also review the Timeshare User Group website, they have quite a bit of info on selling your timeshare.
Good Luck
Usually it’s another scam