Search found 2000 matches

by toofache32
Mon May 25, 2020 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Customer hasn't paid me not worth cost of lawyer but...
Replies: 40
Views: 4050

Re: Customer hasn't paid me not worth cost of lawyer but...

Been self-employed for 15+ years, and one thing I've learned is that if a customer asks for payment terms longer than net 30 you WILL have problems getting paid. Period. I've gotten to the point where I will decline the work immediately if the customer proposes longer payment terms than net 30. Eve...
by toofache32
Sun May 24, 2020 7:29 pm
Forum: Personal Consumer Issues
Topic: Does software play a role in choosing TV
Replies: 25
Views: 1111

Re: Does software play a role in choosing TV

We have a Sony smart TV using Huluplus, Netflix and Amazon Prime w/o cable. Very easy to navigate. My 2nd TV with Amazon fire stick is a nightmare- opening screen is full of apps/ads. The settings will not allow me to delete apps. A while ago, I read a review from someone with similar issues. He ha...
by toofache32
Sun May 24, 2020 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Customer hasn't paid me not worth cost of lawyer but...
Replies: 40
Views: 4050

Re: Customer hasn't paid me not worth cost of lawyer but...

mtwhmemn wrote:
Sun May 24, 2020 9:14 am
Customer told me upfront they pay net 60 and I was OK with that.
Interesting term I have never heard and I had to google it.
by toofache32
Sun May 17, 2020 2:04 pm
Forum: Personal Consumer Issues
Topic: Triple Monitor Mount for Office
Replies: 2
Views: 305

Re: Triple Monitor Mount for Office

I've used one an older version of this one to hold three 30-inch monitors. The weight of my monitors was at the limit of what they could support. So they would occasionally start to sag and I would have to tighten the elbows. My main advice would be to look at the weight of your monitors and make su...
by toofache32
Fri May 15, 2020 8:37 pm
Forum: Personal Consumer Issues
Topic: How to look for a good Primary Care Physician (PCP), and no price transparency...
Replies: 35
Views: 2055

Re: How to look for a good Primary Care Physician (PCP), and no price transparency...

FYI people, the "best doctors" awards are literally bought and paid for advertisements. I get calls regularly informing me I've won my local best doctor award and for only $200 to cover processing and shipping they will send me my plaque. My partner paid for a best doctor cover feature in an in-fli...
by toofache32
Fri May 15, 2020 8:03 pm
Forum: Personal Consumer Issues
Topic: Dental estimate for a gold crown
Replies: 28
Views: 1965

Re: Dental estimate for a gold crown

No advice for ya... just an observation there’s been a lot of dentist posts lately. That's true. The main theme seems to be people unwilling/resistant to pay their dentists. Over 100 posts debating a $10 charge for PPE And to think some people get upset when you refer to healthcare as an entitlement.
by toofache32
Fri May 15, 2020 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Mystery bill from dentist
Replies: 47
Views: 3172

Re: Mystery bill from dentist

Mitchell777 wrote:
Fri May 15, 2020 9:37 am
Was this $7K to implant one front tooth?
In addition to the actual implant, this probably included extraction, bone grafting, provisionalization, custom abutment, etc.
by toofache32
Thu May 14, 2020 12:17 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10751

Re: Dentist charges $10 for PPE

I'm curious if you plan to re-use the PPE, gloves excluded, of course. I read the ADA position in that the same mask can be used for up to five patients if it is removed in-between and all day if not removed, which isn't practical. I'm assuming you're oral maxillary (maybe I'm wrong here), so perha...
by toofache32
Thu May 14, 2020 11:58 am
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10751

Re: Dentist charges $10 for PPE

Dentist here. I haven't read past the first few responses. We are charging $25 starting soon for procedures (not consults). There is no profit in this, it's just covering the costs calculated for increased costs in PPE. As our costs increase, this gets passed on to the customer. We used to wear lev...
by toofache32
Thu May 14, 2020 11:57 am
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10751

Re: Dentist charges $10 for PPE

I'd bet more than happy to pay $10 for my dentist to feel like he wasn't risking his life to see me. They need a N95 mask for every patient. My practice just paid $2.50 per mask for a bunch of them and even at that price they were hard to get. Add a shield and gown and gloves, not hard to hit $10. ...
by toofache32
Thu May 14, 2020 12:14 am
Forum: Personal Consumer Issues
Topic: Dental estimate for a gold crown
Replies: 28
Views: 1965

Re: Dental estimate for a gold crown

Dentist here (but not that kind). For a HCOL area I think those prices are what I would expect. One reason crowns are expensive is because they require much more time than fillings. It costs me almost $300 an hour to keep my office open and pay the staff, rent, etc. If I ever need a crown on a molar...
by toofache32
Thu May 14, 2020 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Mystery bill from dentist
Replies: 47
Views: 3172

Re: Mystery bill from dentist

Ok but you got your explanation and it was for a service you really did receive and haven’t paid for. Probably the negative effects on your health from worrying about this have already surpassed the amount owed. How do you know it wasnt paid for? It went to insurance. Again, morals, ethics. I liter...
by toofache32
Wed May 13, 2020 11:54 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10751

Re: Dentist charges $10 for PPE

Dentist here. I haven't read past the first few responses. We are charging $25 starting soon for procedures (not consults). There is no profit in this, it's just covering the costs calculated for increased costs in PPE. As our costs increase, this gets passed on to the customer. We used to wear lev...
by toofache32
Wed May 13, 2020 10:54 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10751

Re: Dentist charges $10 for PPE

Dentist here. I haven't read past the first few responses. We are charging $25 starting soon for procedures (not consults). There is no profit in this, it's just covering the costs calculated for increased costs in PPE. As our costs increase, this gets passed on to the customer. We used to wear leve...
by toofache32
Sat May 09, 2020 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: High Income, next financial move?
Replies: 31
Views: 3140

Re: High Income, next financial move?

Some people live to work. Others work to live. Decide which you are and you will have your answer.
I am the latter. The reason I work is so I eventually won't have to.
If you have FU money then sell it. Travel, fish, cook, sleep late, whatever you want to do.
by toofache32
Thu May 07, 2020 8:14 am
Forum: Personal Consumer Issues
Topic: Netflix - New Way Of Throttling [DVDs]?
Replies: 62
Views: 8452

Re: Netflix - New Way Of Throttling [DVDs]?

I recently received "1917" and "Ford Vs Ferrari" on Netflix DVD which are not available on their streaming format. These were around $20 on Amazon Prime a few weeks ago but have now come down to $6. There are lots of movies I see on Amazon Prime or Vudu that are expensive new releases, but are avail...
by toofache32
Wed May 06, 2020 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Best Way to Handle Unfiled Tax Returns?
Replies: 25
Views: 1597

Re: Best Way to Handle Unfiled Tax Returns?

Serious question....what changed that makes him want to suddenly pay his taxes?
by toofache32
Wed May 06, 2020 7:52 pm
Forum: Personal Consumer Issues
Topic: Netflix - New Way Of Throttling [DVDs]?
Replies: 62
Views: 8452

Re: Netflix - New Way Of Throttling [DVDs]?

The great thing about the DVDs is that it's almost all movies and not TV shows. It's hard to find movies these days.
by toofache32
Tue May 05, 2020 11:57 am
Forum: Personal Consumer Issues
Topic: Medicare annual physical vs wellness visit
Replies: 58
Views: 4070

Re: Medicare annual physical vs wellness visit

I know this is an old thread, but my comment seems related. I recently had a "welcome to Medicare" visit. All the charges were "Medicare approved" but there was one charge that apparently I have to pay under the deductible. That charge is for "New patient office or other outpatient visit, typically...
by toofache32
Sat May 02, 2020 12:50 am
Forum: Personal Consumer Issues
Topic: Netflix - New Way Of Throttling [DVDs]?
Replies: 62
Views: 8452

Re: Netflix - New Way Of Throttling [DVDs]?

Not sure if this is COVID-19 related, shrinking Netflix inventory in general, or my current interest in popular, new releases, but these same discs have been at the top of my queue for weeks. I keep getting my six, seventh, or even eighth choice sent to me. I got tired of waiting for Knives Out and...
by toofache32
Mon Apr 27, 2020 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Physicians: Ambulatory Surgery Center (ASC) - Setting Up
Replies: 7
Views: 814

Re: Physicians: Ambulatory Surgery Center (ASC) - Setting Up

Physician here who looked into this a few years ago but decided to let it go. Make sure you have professionals involved in the planning and accrediation. I have heard too many stories of how physicians have bought into these things only to have it hang around their neck like an albatross. You also h...
by toofache32
Sat Apr 25, 2020 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 173
Views: 18755

Re: Anyone planning on never retiring?

I can't wait to retire and get stupid.
by toofache32
Fri Apr 24, 2020 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: physician/APC pay cuts
Replies: 133
Views: 9955

Re: physician/APC pay cuts

You know there are government employees in the U.S., and that there are countries with government health providers. That doesn’t mean you want to do it, but why pretend you don’t know what runner540 is talking about? Basic math is that you have to take in more than it costs you to provide a service...
by toofache32
Fri Apr 24, 2020 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: physician/APC pay cuts
Replies: 133
Views: 9955

Re: physician/APC pay cuts

Another way to look at this (coming from a patient’s point of view) is that unfortunately docs are now experiencing the underside and vulnerabilities in the the US profit driven , fee for service healthcare system that has caused patients grief for decades. The healthcare system (employees or owner...
by toofache32
Fri Apr 24, 2020 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: physician/APC pay cuts
Replies: 133
Views: 9955

Re: physician/APC pay cuts

Another way to look at this (coming from a patient’s point of view) is that unfortunately docs are now experiencing the underside and vulnerabilities in the the US profit driven , fee for service healthcare system that has caused patients grief for decades. The healthcare system (employees or owner...
by toofache32
Fri Apr 24, 2020 9:35 pm
Forum: Personal Consumer Issues
Topic: I Got Scammed To Send Amazon Gift Cards
Replies: 119
Views: 9343

Re: I Got Scammed To Send Amazon Gift Cards

I hung up the call and blocked number. I don't know what his actual scam was but I saved myself. Rule #1 : Don't answer the phone from numbers you don't recognize! So if a hospital or doctors calls when your son/daughter/spouse/relative is in the ICU after a bad accident, you don't answer because y...
by toofache32
Fri Apr 24, 2020 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: physician/APC pay cuts
Replies: 133
Views: 9955

Re: physician/APC pay cuts

Another way to look at this (coming from a patient’s point of view) is that unfortunately docs are now experiencing the underside and vulnerabilities in the the US profit driven , fee for service healthcare system that has caused patients grief for decades. The healthcare system (employees or owner...
by toofache32
Fri Apr 24, 2020 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: physician/APC pay cuts
Replies: 133
Views: 9955

Re: physician/APC pay cuts

Is it normal for healthcare workers to have this much distrust in the leaders of the organization they work for? Hospital administrators are constantly looking for ways to take advantage of the good nature of physicians who want to help. For example, requiring physicians to take call without pay to...
by toofache32
Fri Apr 24, 2020 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: physician/APC pay cuts
Replies: 133
Views: 9955

Re: physician/APC pay cuts

What did your organization do with the HHS stimulus money? They should have received one month of average Medicare payment based on 2019 numbers. This should be used to alleviate their losses Note these are only MEDICARE dollars. Maybe one of the lowest payors out there, second only to Medicaid. Ha...
by toofache32
Wed Apr 22, 2020 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9606

Re: Best Covid19 resistant job

Radiologist.
by toofache32
Wed Apr 22, 2020 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Billing, out of network service
Replies: 18
Views: 984

Re: Medical Billing, out of network service

I'm curious what became of this. Any updates?
Do you have any CPT or other billing codes you could share with us?
by toofache32
Wed Apr 22, 2020 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Advice - Anesthesiologist threatening collections
Replies: 59
Views: 5926

Re: Advice - Anesthesiologist threatening collections

Most facilities contracting anesthesia groups will insist they become network providers. Why? It's horrible PR when they get 15 calls/week from patients complaining about exorbitant anesthesia bills for a colonoscopy, totally out of line with what the facility/endoscopist negotiated rate is. And $4...
by toofache32
Wed Apr 22, 2020 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Advice - Anesthesiologist threatening collections
Replies: 59
Views: 5926

Re: Advice - Anesthesiologist threatening collections

If the group is a small private practice they may not really have any full-time employees except themselves. Ha! What physician do you know that is doing their own accounting and sending their own bills out? It is true they may have no other full-time employees, but so what? They surely are contrac...
by toofache32
Wed Apr 15, 2020 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Advice - Anesthesiologist threatening collections
Replies: 59
Views: 5926

Re: Advice - Anesthesiologist threatening collections

Lol as a doctor who performed a lot of scope procedures Medicare was paying me $199. Reimann that sounds like very fair payment for ~10 minutes of skilled labor A lot of assumptions went into that statement. What was greater, the assumptions or the 8 minutes of skilled labor? (It couldn’t have been...
by toofache32
Sun Apr 12, 2020 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Executive pay cut request: How to respond?
Replies: 130
Views: 12922

Re: Executive pay cut request: How to respond?

My view is that a 25% pay cut is reasonable due to lower productivity when working from home. I'm happy to agree to that with the understanding that my work week will be 30 hours instead of 40 to account for increased child care with the kids out of school. You also make enough that you could affor...
by toofache32
Tue Apr 07, 2020 8:29 pm
Forum: Personal Consumer Issues
Topic: How would you handle this doctor billing issue?
Replies: 22
Views: 1547

Re: How would you handle this doctor billing issue?

As a physician (but not this type), I can see both sides of this. Most people don't realize how common it is for patients to NOT pay their bills after services are rendered. There is no Repo man for healthcare services. Patients pay their Netflix, hairdresser, and iphone bills first. Doctors are pai...
by toofache32
Tue Apr 07, 2020 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Just found out my wife was a 1099 for 2019
Replies: 11
Views: 1481

Re: Just found out my wife was a 1099 for 2019

1099 vs W2 is not merely a choice to make by employers. You have to fill the criteria for one or the other. Employers like to push 1099 because it shifts the tax burden to the employee. If they are wrong, they can be held to penalties. If the employer characterized her as a W2 in 2018 and a 1099 in ...
by toofache32
Sun Apr 05, 2020 10:39 am
Forum: Personal Consumer Issues
Topic: Medical Billing Issue and Collections
Replies: 9
Views: 843

Re: Medical Billing Issue and Collections

Did she discuss any problems? Did she have any tests done as a result of that discussion? Once problems are discussed it turns from a preventative visit to a regular visit. It got me a few years ago when I went in for an annual visit and asked for a prescription for an acne medication and then it w...
by toofache32
Sat Mar 28, 2020 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Some IRS webpages Still Show RMD Age 70.5
Replies: 13
Views: 615

Re: Some IRS webpages Still Show RMD Age 70.5

This is the government. We all know they move at their own glacial pace. No surprise.
So what is the question here?
by toofache32
Tue Mar 24, 2020 10:09 pm
Forum: Personal Consumer Issues
Topic: Math question
Replies: 10
Views: 984

Re: Math question

sticks11 wrote:
Tue Mar 24, 2020 8:41 pm
So I have 3 friends who are applying for something. They don't know the total number of applicants but they know each has a 30% chance of being selected.


Do you mean 30% for EACH of the 3 friends? Or EACH of the total applicants (in addition to your friends)?
by toofache32
Tue Mar 24, 2020 9:45 pm
Forum: Personal Consumer Issues
Topic: Math question
Replies: 10
Views: 984

Re: Math question

Wait....how fast was the train going when it left Chicago?
by toofache32
Wed Mar 18, 2020 7:37 pm
Forum: Personal Consumer Issues
Topic: Get a 2nd Refrigerator for Home, and put in garage - Good idea?
Replies: 88
Views: 4943

Re: Get a 2nd Refrigerator for Home, and put in garage - Good idea?

Will do good wrote:
Wed Mar 18, 2020 7:25 pm
I wonder do most 2nd refrigerator owners also rent offsite storage unit too?
No. I have a garage and an attic.
by toofache32
Wed Mar 18, 2020 7:35 pm
Forum: Personal Consumer Issues
Topic: Get a 2nd Refrigerator for Home, and put in garage - Good idea?
Replies: 88
Views: 4943

Re: Get a 2nd Refrigerator for Home, and put in garage - Good idea?

Thanks for photos of what's in your garbage can. We would put most of that in our recycle bin. Certainly the plastic water bottle, the envelope, and whatever that pizza-size box is. I'll guess that whatever was in the pizza-size box had a plastic wrapper that kept the box clean enough to recycle. A...
by toofache32
Wed Mar 18, 2020 7:07 pm
Forum: Personal Consumer Issues
Topic: Get a 2nd Refrigerator for Home, and put in garage - Good idea?
Replies: 88
Views: 4943

Re: Get a 2nd Refrigerator for Home, and put in garage - Good idea?

? What should I do with food wrappers/containers and trash? I would like to see photos of your garbage and trash. Then I could make some suggestions. We have re-usable plastic food containers that get washed in the dishwasher. Most of them are from Chinese take-out, but even those are recyclable. T...
by toofache32
Mon Mar 16, 2020 11:05 am
Forum: Personal Consumer Issues
Topic: Get a 2nd Refrigerator for Home, and put in garage - Good idea?
Replies: 88
Views: 4943

Re: Get a 2nd Refrigerator for Home, and put in garage - Good idea?

not us - one fridge is plenty. I like to keep our footprint modest in living our day to day lives. 1600 ft house, one modest trash can at the curb each week. ( The sheer amount of garbage I see many families in our neighborhood generate every week is unbelievable. ) Economical energy and water usag...
by toofache32
Mon Mar 16, 2020 10:49 am
Forum: Personal Consumer Issues
Topic: Get a 2nd Refrigerator for Home, and put in garage - Good idea?
Replies: 88
Views: 4943

Re: Get a 2nd Refrigerator for Home, and put in garage - Good idea?

not us - one fridge is plenty. I like to keep our footprint modest in living our day to day lives. 1600 ft house, one modest trash can at the curb each week. ( The sheer amount of garbage I see many families in our neighborhood generate every week is unbelievable. ) Economical energy and water usag...
by toofache32
Sun Mar 15, 2020 9:13 pm
Forum: Personal Consumer Issues
Topic: Get a 2nd Refrigerator for Home, and put in garage - Good idea?
Replies: 88
Views: 4943

Re: Get a 2nd Refrigerator for Home, and put in garage - Good idea?

not us - one fridge is plenty. I like to keep our footprint modest in living our day to day lives. 1600 ft house, one modest trash can at the curb each week. ( The sheer amount of garbage I see many families in our neighborhood generate every week is unbelievable. ) Economical energy and water usag...
by toofache32
Sat Mar 14, 2020 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Co offering to Allow Paying Outstanding Bill at a Discount
Replies: 10
Views: 942

Re: Insurance Co offering to Allow Paying Outstanding Bill at a Discount

So your adult son (who is "between jobs" and moving) caused $8k+ damages in a wreck where he was at fault, was driving without insurance, and is now allowing you to make payments on the judgment against him, which he will probably not pay back to you?? Respectfully, your son needs to be the one pay...