Search found 1283 matches

by SimonJester
Thu Oct 19, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: How does the medical billing system work?
Replies: 33
Views: 1998

Re: How does the medical billing system work?

A $100 doctor's visit doesn't really compare to a $20,000 hospital bill. My DR charges closer to $400 per visit which is discounted to $200 per my insurance. This June I had to take myself and two kids into Dr as we all came down with something, the oldest had to go in twice because the first time ...
by SimonJester
Thu Oct 19, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: How does the medical billing system work?
Replies: 33
Views: 1998

Re: How does the medical billing system work?

A $100 doctor's visit doesn't really compare to a $20,000 hospital bill. My DR charges closer to $400 per visit which is discounted to $200 per my insurance. This June I had to take myself and two kids into Dr as we all came down with something, the oldest had to go in twice because the first time ...
by SimonJester
Tue Oct 17, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Car fund in index fun or savings?
Replies: 19
Views: 1237

Re: Car fund in index fun or savings?

What is your time horizon for needing the money? Ie when will you need to purchase the new car?
I would not put money in an index fund if I needed to access it in the next 5 - 10 years.
Anything under 5 years should go into a saving account, I-bonds, and CD ladders.
by SimonJester
Tue Oct 17, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Organized European Tours for Students
Replies: 13
Views: 652

Re: Organized European Tours for Students

We have looked into these trips with our kids and never ended up going. I think they try and pack too many things into the trips which makes them very fast paced. Kids end up rushed from place to place and as you mentioned stuck on a bus the entire time. They are often quite a bit more expensive the...
by SimonJester
Tue Oct 17, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: good used car.
Replies: 11
Views: 985

Re: good used car.

Sandtrap wrote:
Mon Oct 16, 2017 7:02 pm
What color "Toyota Corolla"?
Or really spurge and "what color Camry"
by SimonJester
Mon Oct 16, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 57
Views: 5360

Re: Trash dumped on curb (need advice)

#2 for sure. Paying to have it removed will only encourage them to do it again...

If the HOA doesnt take care of it the City should.
by SimonJester
Mon Oct 16, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 218
Views: 25469

Re: Retirement Account Stolen by Identity theft

Its now 16 days in and the money has not been restored? Has the custodian given any sort of estimate when the money will be restored to the account?
by SimonJester
Fri Oct 13, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: How does the medical billing system work?
Replies: 33
Views: 1998

Re: How does the medical billing system work?

I will add to this how the "MSRP" is determined as I understand it others might chime in to clarify... The hospital / DR does usually not know what various insurance will actually pay for a given procedure. So the billing office submits their fee and the insurance company pays a lower amount. Every ...
by SimonJester
Fri Oct 13, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Does IRS have equivalent of credit freeze?
Replies: 20
Views: 1415

Re: Does IRS have equivalent of credit freeze?

The best thing you can do if you do not qualify for the IRS IP PIN is adjust your withholding so you end up owing a little bit come tax time. This was if a fraudster files a refund you are not stuck waiting on the IRS to sort things out while they owe you money. This can take anywhere from 6 months ...
by SimonJester
Sun Oct 08, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: Sent to collections by a hospital we've never been to?
Replies: 40
Views: 3319

Re: Sent to collections by a hospital we've never been to?

Collection agency "accidentally" attempted to collect $670, which was the amount paid by insurance rather than $30 that was owed as a co-pay. I do wonder if that money would ever be refunded if we had paid collections $670. I'm sure this was not an "accident" and if you had paid the full $670 you w...
by SimonJester
Sat Oct 07, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 77
Views: 7029

Re: Tips on Uber

Do people usually tip on Uber? How much? How, cash or on the app? No, I never tip. The cost of running a business should be built into the sticker price. So do you not tip at restaurants? Not tipping isn't the answer to this. The drivers don't get to choose whether or not to build in a tip. If you ...
by SimonJester
Sat Oct 07, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 5703

Re: Roof shingles do not match - Neighbor sent notice

Wow since restoring the roof to the original shingle color is not an option I would get a quote to replace the entire roof break down the cost for both halves of the roof. Present this to the neighbor as what it will cost to make the entire roof uniform again. Insurance will not cover this so it wou...
by SimonJester
Sat Oct 07, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 218
Views: 25469

Re: Retirement Account Stolen by Identity theft

If a fingerprint was taken it can be used by the police later on to try and match the print against the NICS database. But again it depends if they even bother over this small amount. Hopefully the account custodian will do the right thing and restore the account. I would then move the funds to anot...
by SimonJester
Fri Oct 06, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks, how safe are they?
Replies: 31
Views: 1862

Re: Paper checks, how safe are they?

Your bank, and multiple federal laws protect you in the case of check fraud. As long as you catch said fraud and report it to your bank in a timely manner you are covered.
by SimonJester
Fri Oct 06, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 218
Views: 25469

Re: Retirement Account Stolen by Identity theft

...these account hijackings makes one think that there is real value in working with a local outfit. Yes instead of an unknown criminal stealing your money from your retirement account, the local "financial adviser" legally steals your money with high ERs funds, frequent trading, and various insura...
by SimonJester
Thu Oct 05, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 218
Views: 25469

Re: Retirement Account Stolen by Identity theft

The account was cashed out except for money left behind to pay for taxes. The money was transferred to another bank, and the custodian says that the account to which the money was transferred was opened under my father's name. So the next question where did the money go from that bank account. Take...
by SimonJester
Thu Oct 05, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: comparing auto/home/umbrella
Replies: 2
Views: 317

Re: comparing auto/home/umbrella

I would just make sure you are comparing apples to apples between policies. Look at the coverage amounts and deductibles, exclusions etc between each policy. I found when comparing policies one would be cheaper because they would cover the dwelling at a lower amount, or one include things like jewel...
by SimonJester
Wed Oct 04, 2017 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Payroll shenanigans and their implications
Replies: 48
Views: 3476

Re: Payroll shenanigans and their implications

So how do you prove what was paid to you in that cash envelope and what was withheld? I bet come tax time only what you are receiving on the actual pay stubs are going to be reported and all the cash transactions will not.

Run run run
by SimonJester
Tue Oct 03, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 218
Views: 25469

Re: Identity theft

Wow this is unbelievable! Why didn't Transamerica mail a letter to your father when the email change occurred? For the paperwork to be notarized the thief needed to present some form of official ID. At Vanguard I would have received multiple email and paper mailings. The change of email, then additi...
by SimonJester
Tue Oct 03, 2017 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 218
Views: 25469

Re: Identity theft

Wondering what the outcome of this was. This is very troubling...
by SimonJester
Mon Oct 02, 2017 9:25 am
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 7387

Re: What will happen if I refuse to pay a medical bill?

I suspect it may not be applicable for office visits, but I recall that you can get pre-authorization in writing from an insurance company for certain types of tests/procedures with certain providers. My wife had an insurance company try and refuse to pay a hospital bill that was pre-authorized, an...
by SimonJester
Sun Oct 01, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: Comfort level re: tracking at physical shopping centers
Replies: 52
Views: 4673

Re: Comfort level re: tracking at physical shopping centers

Lots of places are now taking photos. My DR office and my dentists all grabbed a photo of me for their records. Every ATM is capturing your photo when you are using it. Ive notice several point of sale systems grabbing video when you check out as well. Home depot is an example of such a system. And ...
by SimonJester
Sun Oct 01, 2017 9:55 pm
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 7387

Re: What will happen if I refuse to pay a medical bill?

$172 a Dr visit doesn't sound out of line, mine are $194 each and this is the in-network discounted rate. I would pay it and move on, or continue to argue with your insurance company. Your beef is between you and them not the DR. Do you really want the bill going to collections and having to deal wi...
by SimonJester
Fri Sep 29, 2017 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance question - family deductibles
Replies: 12
Views: 758

Re: Insurance question - family deductibles

If 3325/6650 for both your risk different between #1 and #2 is $810. 6650 - 2600 = $4050. 20% of 4050 = $810. So risk $810 to save $1944 I would take that bet. I don't think this is right... my max out of pocket is the deductible plus 20% until I've paid the max, not 20% of it.... Yes you are right...
by SimonJester
Fri Sep 29, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 388
Views: 46290

Re: Quicken's future direction - a cause for concern

Bylo Selhi wrote:
Fri Sep 29, 2017 11:21 am
The subscription model also effectively triples the cost of the product for those of us who renewed only every three years.

It will more then triple the cost as many of us purchased the product from Amazon or another retailer during a sale below the MSRP.
by SimonJester
Fri Sep 29, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: Zander Identity theft
Replies: 8
Views: 932

Re: Zander Identity theft

Having been hit with identity theft I really do not know what this product would really do for you. In my case the creditor mailed us a affidavit to sign stating the accounts were not ours and we did not know who they belonged to. We had to sign it and mail it back, I doubt Zander can sign that form...
by SimonJester
Fri Sep 29, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Insurance question - family deductibles
Replies: 12
Views: 758

Re: Insurance question - family deductibles

We have 3 menu choices.. 1300/2600, 0% co-insurance (current plan) same but with 20% co-insurance 3750/7500 with 20% co-insurance with maximums of 5500/11000. What is the extra risk amounts for plan 1 to plan 2, then plan 1 to plan 3? I know I save 1944 in premiums by using plan 2 instead, but I wa...
by SimonJester
Fri Sep 29, 2017 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Paid off Debt...credit score dropping and future mortgage
Replies: 34
Views: 2459

Re: Paid off Debt...credit score dropping and future mortgage

Meg77, could you clarify about scores dropping to zero? Is that a literal zero? It can't be, as there is a minimum. It can be "no score". Just like I didn't get a 0 on the SATs, as that's not possible because there's a minimum score. I didn't take that test so I have no SAT score. If your credit re...
by SimonJester
Thu Sep 28, 2017 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47144

Re: Equifax customer information leak

That should be allowed only by insurance companies that you currently do business with. When (really) frozen, and not just "locked", soft pulls are still allowed by any organization that you are currently customer of. However, if you try to shop around for insurance, you may not get as good of a qu...
by SimonJester
Thu Sep 28, 2017 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47144

Re: Equifax customer information leak

That's been the big question in fact. Does it really block it for all? For example some agencies (like insurance companies) apparently can still access your credit if you have a lock, but not a freeze. Actually insurance companies have been accessing my reports with them frozen for years. It showed...
by SimonJester
Thu Sep 28, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47144

Re: Equifax customer information leak

In short, TransUnion’s credit lock service (and a similarly named service from Experian) doesn’t prevent potential creditors from accessing your files, and these dubious services allow the credit bureaus to keep selling your credit history to lenders (or identity thieves) as they see fit. I think h...
by SimonJester
Tue Sep 26, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax Liability
Replies: 13
Views: 1740

Re: Equifax Liability

As to Equifax, this is such an outrageous breach, exposing so much more of my personal information, forever! And yet the OPM breach exposed magnitudes greater amounts of personal information on 21.5 million Americans and yet it received little press, there were no lawsuits ever filed, and it was qu...
by SimonJester
Tue Sep 26, 2017 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Equifax Liability
Replies: 13
Views: 1740

Re: Equifax Liability

I had no idea what went wrong with my card last month, but I now believe the problem was caused by Equifax's breech . They knew they had a breech in June/July but did not share it with my credit card company or me until just a couple of weeks ago. Why would you believe that? Right now there is no e...
by SimonJester
Fri Sep 22, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: No down payment for home purchase: what is worst-case scenario?
Replies: 39
Views: 2304

Re: No down payment for home purchase: what is worst-case scenario?

Is there a chance there are NO mortgage options available without some sort of minimum down payment? Will competing offers be more likely to be selected by the sellers? Of course there is a chance you cannot obtain any mortgage without a down payment. We cannot predict the future and have no idea w...
by SimonJester
Fri Sep 22, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Deceased Mother medical bill
Replies: 42
Views: 5362

Re: Deceased Mother medical bill

oh. yes you're right " she is being sued in civil court". Ok, well then I suppose when the judgement against her goes unpaid it will go to collections. can't get blood from a stone. Don't you cease to be a legal entity upon death? So technically YOU yourself cannot be sued after death. Your estate ...
by SimonJester
Fri Sep 22, 2017 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Credit Score, Credit Check, and Credit Freeze
Replies: 3
Views: 604

Re: Credit Score, Credit Check, and Credit Freeze

There is a Wiki on this: https://www.bogleheads.org/wiki/Credit_freeze You should be pulling your credit report annually to verify the information is correct. I pull from one agency every three months. https://www.bogleheads.org/wiki/Credit_cards#Credit_report You have a credit card and a mortgage s...
by SimonJester
Thu Sep 21, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Deceased Mother medical bill
Replies: 42
Views: 5362

Re: Deceased Mother medical bill

She wasn't on Medicaid because she still had assets in her IRA. But since her IRA listed beneficiaries, and has already passed to those beneficiaries, there was nothing to go through probate and nothing for the nursing home to discover and go after. Whether they try to collect from the beneficiarie...
by SimonJester
Tue Sep 19, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Temporary lift for Equifax freeze was free
Replies: 11
Views: 862

Re: Temporary lift for Equifax freeze was free

Same here however when I got to the actual unfreeze part I received an error. However when I went to try again it told me I already had a temporary lift in place. I went ahead and signed up for My Social Security account which is a good thing to do if you are unfreezing equifax.

What a mess...
by SimonJester
Tue Sep 19, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Card Points Can (and Should?) Pay Off Card
Replies: 14
Views: 824

Re: Amazon Prime Card Points Can (and Should?) Pay Off Card

You are not necessarily ahead - it may be a wash. But I don't know for certain. In the case were you take the statement credit - the rewards you earn may be reduced due to the reduction in your statement total . If you charge $500 in a month and take a $5 credit from a prior month - you may only ge...
by SimonJester
Mon Sep 18, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze and Insurance quotes etc.
Replies: 6
Views: 579

Re: Credit Freeze and Insurance quotes etc.

After reading about the effect on insurance last week, I checked my rates. For three years before I implemented my freeze, my auto rate was the same. After the freeze, it went up $27/year. I contacted my agent, and he said that when they attempt to pull credit and receive a "no hit," it indeed affe...
by SimonJester
Mon Sep 18, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze and Insurance quotes etc.
Replies: 6
Views: 579

Re: Credit Freeze and Insurance quotes etc.

It has had NO impact on getting insurance quotes. I had had my credit frozen for 10 years, I have been able to get insurance quotes with no issues. They even have shown up as soft pulls WITH credit frozen.
by SimonJester
Sun Sep 17, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: A medical bill to argue?
Replies: 13
Views: 1416

Re: A medical bill to argue?

Outrageous. Considering that many of the docs on this forum insist their profession is a business, what other business is there where one is quoted a price and the business itself charges several multiples of that quoted price for the service rendered without recourse for the consumer? Outrageous, ...
by SimonJester
Sun Sep 17, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: PayPal - Any Disadvantages?
Replies: 49
Views: 4949

Re: PayPal - Any Disadvantages?

Just had someone hack into my PayPal account, and order a $200 gift card from Toys-R-Us, via my linked Chase credit card. Chase has said they will reimburse the $200. I have not yet heard from PayPal, but I would think it would be on them rather than Chase. The worst thing for me is having to chang...
by SimonJester
Sun Sep 17, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: how to protect against tax fraud w/ equifax breach?
Replies: 6
Views: 932

Re: how to protect against tax fraud w/ equifax breach?

4. If your account has not been hacked, you can only receive a PIN if you are a documented victim of ID theft or you live in certain jurisdictions (e.g., Florida). So should I presume that the equifax breach alone is probably insufficient for purposes of obtaining an IRS pin? Here is what the IRS s...
by SimonJester
Fri Sep 15, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Deceased Mother medical bill
Replies: 42
Views: 5362

Re: Deceased Mother medical bill

In another thread, the OP said: "I received the paperwork today for my mother's CalSTRS retirement. Each beneficiary (3 total) after all is said and done, will receive approximately $20,000-$30,000 total." Wouldn't the skilled nursing facility have a claim against this money as part of her estate? ...
by SimonJester
Thu Sep 14, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Name Change as a way to Protect Against Identity Theft
Replies: 16
Views: 1411

Re: Name Change as a way to Protect Against Identity Theft

david_that_guy wrote:
Thu Sep 14, 2017 10:56 am
To avoid identity theft, I plan to change my name, birth date, social security number, and address every six months.
Don't forget Drivers license, you will need to turn your old one in every six months, then re take the written and driving test for a new number...

Tis but a small price to pay
by SimonJester
Wed Sep 13, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 33
Views: 3504

Re: Retirement - Living in Colorado

Isn't that where they turned off all the street lights to save money? They also took away the garbage cans in all the parks. They do these things leading up to a ballot initiative asking for more tax money. I guess they figure if they punish us we will vote to increase our taxes. Sometimes it works...
by SimonJester
Tue Sep 12, 2017 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle medical collections on credit?
Replies: 6
Views: 583

Re: How to handle medical collections on credit?

I would call the hospital explain what happened and see if you can pay them in exchange for the deletion of the ding on your credit report. They sold the debt and wrote it off. It is now the owner of the debts decision. I'm not a lawyer, I don't even play one on the Internet but that is how things ...