Search found 3013 matches

by Pajamas
Fri Jan 19, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 43
Views: 2540

Re: Telemarketing calls from my own prefix

A legitimate caller will start to leave a message and then I can pick up. Another annoying thing: spammers that actually leave voice mail. What I have observed is that the phone rings once, and a few minutes later I have a voice mail. Not quite sure how they actually force the redirect to voice mai...
by Pajamas
Fri Jan 19, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Clothing donation and IRS form 8283: appraisal required?
Replies: 11
Views: 859

Re: Clothing donation and IRS form 8283: appraisal required?

Seems pretty clear to me from the information that you provided that unless a single item is both valued at more than $500 AND is NOT in good used condition or better, then you don't need an appraisal. That is probably to prevent people from donating what is essentially garbage or scrap and claiming...
by Pajamas
Fri Jan 19, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Contacting store after urgent care visit?
Replies: 18
Views: 1698

Re: Contacting store after urgent care visit?

Call the store and speak to the manager to let them know about the problem.
by Pajamas
Fri Jan 19, 2018 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: consolidating ROTH IRAs?
Replies: 23
Views: 953

Re: consolidating ROTH IRAs?

I would do the indirect rollover, just make sure you actually deposit the check within the time frame. You might also ask that they make the check out to Vanguard instead of to you in case they don't do that automatically. Then you could just mail it to Vanguard yourself.
by Pajamas
Fri Jan 19, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 43
Views: 2540

Re: Telemarketing calls from my own prefix

Sounds like a robocall when no one responds to you. They don't want to waste their precious time, so the computer will call you many times over a few weeks to see when you are most likely to be at home and answer the phone. It is also possible that your call was queued and they didn't pick up fast e...
by Pajamas
Fri Jan 19, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: Medical Appointment Cancellation Policies/Fees
Replies: 36
Views: 1884

Re: Medical Appointment Cancellation Policies/Fees

I would probably call and explain the situation and ask for a waiver of the fee for this first incident and get detailed information about their policies. If an office is not over-scheduling patients so that they inevitably have to wait for more than thirty minutes to see the doctor, a fee for not c...
by Pajamas
Fri Jan 19, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: What can I do to fight this ridiculous medical bill?
Replies: 86
Views: 4001

Re: What can I do to fight this ridiculous medical bill?

With all the rants about greedy doctors, one can clearly see here who is the culprit here. The most educated and dedicated people in healthcare are being marginalized and results are here for everyone to see. Another issue here- everyone who wants PA and NP to be independent practitioners, you will...
by Pajamas
Fri Jan 19, 2018 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: consolidating ROTH IRAs?
Replies: 23
Views: 953

Re: consolidating ROTH IRAs?

peterwantstosave wrote:
Fri Jan 19, 2018 2:01 pm


Is there another, better solution with these tiny balances?

Peter
I would probably call each of those companies and ask them how they handle closing accounts with such low balances. My guess is that they will just close them for you and accept the balance as the fee in full.
by Pajamas
Fri Jan 19, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: What can I do to fight this ridiculous medical bill?
Replies: 86
Views: 4001

Re: What can I do to fight this ridiculous medical bill?

Interesting question. I agree it would cost more, otherwise, everyone would get their routine MRIs done in the ER. Still, I was thinking about some critical mass and efficiency involved. If you broke down the costs, personnel costs are certainly higher, but the cost of the machine, which I though w...
by Pajamas
Fri Jan 19, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: "Serious Delinquency" Showing Up On FICO Score But Not Credit Reports
Replies: 1
Views: 269

Re: "Serious Delinquency" Showing Up On FICO Score But Not Credit Reports

Apparently this is not uncommon and can be due to something as simple as a loan modification in the form of your mortgage holder adjusting the escrow balance.

You might want to search the forums on myfico.com for information and post your concern there.

http://ficoforums.myfico.com/
by Pajamas
Fri Jan 19, 2018 10:35 am
Forum: Investing - Help with Personal Investments
Topic: consolidating ROTH IRAs?
Replies: 23
Views: 953

Re: consolidating ROTH IRAs?

Great, thank you. One more question: Is there a limit to the number of transfers I can complete per year? (i.e. is it OK if I transfer all nine this week?) P It's okay if you do that. Transferring an account directly from one custodian to another doesn't affect the tax status of the account or anyt...
by Pajamas
Fri Jan 19, 2018 10:27 am
Forum: Investing - Help with Personal Investments
Topic: consolidating ROTH IRAs?
Replies: 23
Views: 953

Re: consolidating ROTH IRAs?

Thank you both. A followup: How am I charged the account transfer and/or closing fee? Do they send me a bill? Do they take it out of my account? Or? P Usually they take it out of the account. You can ask for it to be paid separately with funds from outside of the account and some of the companies m...
by Pajamas
Fri Jan 19, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: What can I do to fight this ridiculous medical bill?
Replies: 86
Views: 4001

Re: What can I do to fight this ridiculous medical bill?

No the column says "payments and adjustments". The insurance company very likely did NOT pay that full amount. They paid less. There are no adjustments listed in that column, though, only payments. Adjustments are usually the difference between the billed charges and the contracted charges. That wo...
by Pajamas
Fri Jan 19, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: What can I do to fight this ridiculous medical bill?
Replies: 86
Views: 4001

Re: What can I do to fight this ridiculous medical bill?

What do you mean they're entitled to charge me that much? how is that legal? What law, regulation, or rule makes it illegal? I'm paying 465 dollars a month for this insurance, and you're telling me I could have gotten a better price by saying I don't even have insurance when I checked in? I didn't ...
by Pajamas
Fri Jan 19, 2018 9:45 am
Forum: Investing - Help with Personal Investments
Topic: consolidating ROTH IRAs?
Replies: 23
Views: 953

Re: consolidating ROTH IRAs?

Get Vanguard to pull them from the other companies. Once they are all at Vanguard, then you can look at consolidating them. You shouldn't have to contact the other companies unless there is a problem such as a holding in the account that can't be transferred in kind. Be aware that there may be fees ...
by Pajamas
Fri Jan 19, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: What can I do to fight this ridiculous medical bill?
Replies: 86
Views: 4001

Re: What can I do to fight this ridiculous medical bill?

What does your contract say about coverage for out-of-network emergency care?

Start with that.

Basically, they are probably entitled to bill you that amount and you can probably expect to see some additional bills from the E.R. doctor, radiologist, etc. if you haven't already.
by Pajamas
Fri Jan 19, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Versus Stocks
Replies: 46
Views: 2455

Re: Real Estate Versus Stocks

A recent article in The Economist, “Many happy returns”, described long-term research showing that property yields more than shares and bonds. I’m on the verge of making my first home purchase (unleveraged). According to the article, rental yields account for about half of the long-run return on ho...
by Pajamas
Fri Jan 19, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Versus Stocks
Replies: 46
Views: 2455

Re: Real Estate Versus Stocks

A recent article in The Economist, “Many happy returns”, described long-term research showing that property yields more than shares and bonds. I’m on the verge of making my first home purchase (unleveraged). According to the article, rental yields account for about half of the long-run return on ho...
by Pajamas
Fri Jan 19, 2018 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 145
Views: 12280

Re: Can We Retire in Hawaii? Please Critique

Overall, I think with that list that we'd be lower, up until we buy a house, and then our expenses skyrocket. Housing prices appear to be a critical factor in general in Hawaii, not just for you. Hawaii has record-low unemployment and it’s not a frozen hellscape. Why are people leaving? https://www...
by Pajamas
Thu Jan 18, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Versus Stocks
Replies: 46
Views: 2455

Re: Real Estate Versus Stocks

If one can more than comfortably afford to lose it all. Well, if you assess the level of risk by how much you can afford to lose, then it doesn't matter what you do with the money. Usually how much you can afford to lose is more closely related to how much risk you are willing to take, not a measur...
by Pajamas
Thu Jan 18, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Paying semi-illiterate vendor via credit card who has no email or computer
Replies: 23
Views: 1747

Re: Paying semi-illiterate vendor via credit card who has no email or computer

You can deposit or transfer money into a checking account no problem, seems like the problem is more on your end by wanting to pay it using a credit card, which basically turns it into a cash advance. Someone is going to have to pay fees to do that, either the payor or the recipient. Can you transfe...
by Pajamas
Thu Jan 18, 2018 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Versus Stocks
Replies: 46
Views: 2455

Re: Real Estate Versus Stocks

Being relatively risk-averse, if I was to branch out into a single rental property in the future, it would be an all-cash purchase and taking into account that it could be a total wash. How would putting a lot of cash into a single rental property be relatively risk adverse? Seems the opposite to me.
by Pajamas
Thu Jan 18, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: To the doctors on the forum
Replies: 88
Views: 5085

Re: To the doctors on the forum

Universal care may very well be the best way. But I think this idea that it is a right not a privilege is just a sound bite and indicates someone doesn't quite get it. Is food a right? Why not? You can live longer without health care than without food. Why can't I walk into the grocery store and ta...
by Pajamas
Thu Jan 18, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Indestructible winter gloves
Replies: 11
Views: 1254

Re: Indestructible winter gloves

ThankYouJack wrote:
Thu Jan 18, 2018 10:50 am
I'm looking for some waterproof winter gloves that can hold up to dragging my hand while sledding :)

If you're serious about that, you might consider wearing cut-resistant textile gloves sold for oyster-shuckers or butchers over regular gloves or glove liners worn for warmth.
by Pajamas
Thu Jan 18, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing real estate in Philly
Replies: 13
Views: 1261

Re: Purchasing real estate in Philly

I agree with hand's post just above, focus on the larger issues first. Monthly costs for condos and co-ops have a correlation with the market price. If you see a condo or co-op that seems very cheap for its size, location, and condition, it's probably because the monthlies are high for one reason or...
by Pajamas
Thu Jan 18, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: dryer vent cleaning--your thoughts?
Replies: 32
Views: 5213

Re: dryer vent cleaning--your thoughts?

For those who have done this, does one have to disconnect and move the dryer? Ours has a gas connection. Also do I need to do this if the dryer is working properly? The machine is around 15 years old . I doubt the vents have ever been cleaned. Of course, we clean the lint trap after each cycle. A g...
by Pajamas
Thu Jan 18, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 132
Views: 6238

Re: Short Commute or Nicer House?

Since the schools are of equal quality, take the city. One of the issues people with children often have in deciding where to live is the cost of private schools if they choose to live in the city instead of in the suburbs. You only have to choose between an urban or suburban lifestyle without cost ...
by Pajamas
Wed Jan 17, 2018 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: Exit strategy for bitcoin
Replies: 71
Views: 4702

Re: Exit strategy for bitcoin

Lauretta wrote:
Wed Jan 17, 2018 11:34 pm
unclescrooge wrote:
Wed Jan 17, 2018 11:29 pm
Your exit strategy is to bail when it was at $20,000. Failing that, I would bail ASAP.
I hadn't bought it yet when it was at 20K$! :D I bought it when it had fallen at ~ 15K$ and thought I had made a bargain! :D :oops:
Maybe double down since it is an even better bargain now? :oops:
by Pajamas
Wed Jan 17, 2018 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: To the doctors on the forum
Replies: 88
Views: 5085

Re: To the doctors on the forum

Part of the reason is that there's not one price for a procedure. Contracted rates vary depending on who the contract is with and sometimes varies even under the same contract by geographical location and the facility in which the procedure is provided. There are also multiple components with differ...
by Pajamas
Wed Jan 17, 2018 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Sell Home Depot?
Replies: 48
Views: 3385

Re: Sell Home Depot?

KPG wrote:
Wed Jan 17, 2018 4:39 pm
WhiteMaxima, DRIP, dividend reinvestment plan, sounds good, Thanks,KPG
For heaven's sake, if you are concerned about a concentrated holding in a single stock, don't buy more through a DRIP. Put the dividends you receive into something else, like an index fund. Don't make your problem worse!
by Pajamas
Wed Jan 17, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 315
Views: 23236

Re: What frugal thing did you do today?

I always look poor when I go shopping. How do you "look poor" these days without actually being dirty like a homeless person with no place to shower and wash clothes? Do you mean wear a tee shirt and jeans like Mark Zuckerberg? Flashy designer labels on clothes that are either too big or too small?...
by Pajamas
Wed Jan 17, 2018 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Sell Home Depot?
Replies: 48
Views: 3385

Re: Sell Home Depot?

How would you feel if it dropped by 50%? If you are okay with that, then don't worry about holding it.
by Pajamas
Wed Jan 17, 2018 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: GE - a good value?
Replies: 113
Views: 10113

Re: GE - a good value?

Bacchus01 wrote:
Wed Jan 17, 2018 1:42 pm
Pajamas wrote:
Wed Jan 17, 2018 9:15 am
Bacchus01 wrote:
Wed Jan 17, 2018 9:11 am

Absolutely false. This is a falling knife.
You claim to know the future with absolute certainty? :oops:
Actually, with pretty high certainty just short of absolute. Yes.
Well, you did say "absolutely". Good luck with that.
by Pajamas
Wed Jan 17, 2018 2:43 pm
Forum: Investing - Theory, News & General
Topic: A question that keeps coming to my head
Replies: 13
Views: 1099

Re: A question that keeps coming to my head

Are you planning on rebalancing in portfolio #2? If so, how do you rebalance the real assets? Portfolio #1 seems like it would be much easier and cheaper to manage vs. portfolio #2. I would go with #1, set it and forget it. When older, you could add bonds. However, I've been convinced by Bogleheads ...
by Pajamas
Wed Jan 17, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?
Replies: 27
Views: 1442

Re: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?

We know where we'd depart the US from and where we'd depart back from Europe. Be careful that this doesn't lock you into missing the best fares. As an example, we last flew to Europe in April 2017. Our destination was somewhat obscure (Menorca) so that required 3-4 flights one way from Memphis, wit...
by Pajamas
Wed Jan 17, 2018 9:31 am
Forum: Investing - Theory, News & General
Topic: Feeding the market
Replies: 14
Views: 1092

Re: Feeding the market

david1082b wrote:
Wed Jan 17, 2018 9:29 am
Unemployment was also very low around 1999-2000, GDP growth was strong. The current state of the economy can't be used to predict returns really.
A pessimist might say that when something is perfect, it can only get worse. :beer
by Pajamas
Wed Jan 17, 2018 9:22 am
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 4383

Re: Anyone pondering moving to a cheaper place and downsizing?

732002 wrote:
Wed Jan 17, 2018 9:18 am
The most significant motivation is no income tax.
Does Washington choose to provide fewer services to its residents than Oregon does or does Washington raise funds in some other way than through an income tax? There's no free lunch!
by Pajamas
Wed Jan 17, 2018 9:15 am
Forum: Investing - Help with Personal Investments
Topic: GE - a good value?
Replies: 113
Views: 10113

Re: GE - a good value?

Bacchus01 wrote:
Wed Jan 17, 2018 9:11 am

Absolutely false. This is a falling knife.
You claim to know the future with absolute certainty? :oops:
by Pajamas
Wed Jan 17, 2018 9:13 am
Forum: Investing - Theory, News & General
Topic: Feeding the market
Replies: 14
Views: 1092

Re: Feeding the market

I see a lot of articles stating that research shows that millennials have very little in savings or net worth as a group and are generally dealing with student debt and high housing costs as well as jobs that don't pay well. Part of the problem is that wealth is becoming more & more unevenly distrib...
by Pajamas
Tue Jan 16, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 145
Views: 12280

Re: Can We Retire in Hawaii? Please Critique

Something doesn't add up. "Live well below their means" and "barely get by" and "scrimp" to afford a vacation and "are very frugal" do seem inconsistent. I recently read a book, Uneasy Street: The Anxieties of Influence by Rachel Sherman. I wouldn't wholeheartedly recommend it but it did seem to ma...
by Pajamas
Tue Jan 16, 2018 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Best choices in horrible (IMO) 401k plan
Replies: 15
Views: 526

Re: Best choices in horrible (IMO) 401k plan

Thank you for the replies so far. As for the S&P 500 option, my hesitancy on that one is that it doesn't appear to have a "ticker" ID attached and I'm not sure what that means. What is a Lending Series? Is it a mutual fund like the others? Is it a bond/debt holding? It doesn't look like anything I'...
by Pajamas
Tue Jan 16, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: why emergency savings?
Replies: 42
Views: 3679

Re: why emergency savings?

Dedicated emergency funds are for young people with little savings and limited credit, that's it. I never saw the point of a dedicated EF, otherwise. Letting months of living expenses take dust in a savings account or a money market account runs contrary to everything I do as a careful investor. Ag...
by Pajamas
Tue Jan 16, 2018 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Friend Got Laid Off - Advice Needed
Replies: 46
Views: 4946

Re: Friend Got Laid Off - Advice Needed

Eh, he should probably look at ACA if he is eligible for it as it might be much less expensive than COBRA. Losing a job should qualify for enrollment outside of the annual period. He should also apply for unemployment as there is sometimes a delay before it starts. He should remember that they don't...
by Pajamas
Tue Jan 16, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: Price Manipulation in the Bitcoin Ecosystem
Replies: 3
Views: 538

Re: Price Manipulation in the Bitcoin Ecosystem

It's not a bug, it's a feature! :oops:
by Pajamas
Tue Jan 16, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: How can I become a better consumer?
Replies: 18
Views: 1549

Re: How can I become a better consumer?

Lesson learned at that point was to resist the urge to buy things. That's how to become a better consumer. The assumption that more things is better is not true for most people in industrialized nations at this point. More things is worse. That includes everything from food to clothing to automobil...
by Pajamas
Tue Jan 16, 2018 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Gifted $1,000: Max out Roth or go towards smaller balances on credit cards?
Replies: 10
Views: 503

Re: Gifted $1,000: Max out Roth or go towards smaller balances on credit cards?

How long would it take you to pay off the credit cards if you put the $1,000 in your Roth? You have until the April tax due date to fund it, roughly three more months. How much extra money will you have over that time period? However, since you had to use high-interest rate credit cards to pay medic...
by Pajamas
Tue Jan 16, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 145
Views: 12280

Re: Can We Retire in Hawaii? Please Critique

retire in Dallas (really??? I live just south of Dallas now; it's awful), what will I do all day I always find it semi-amusing when people recommend moving to a low-cost area instead of answering the questions being asked about a high-cost area but you have to admit that suggesting Tennessee or Tex...
by Pajamas
Tue Jan 16, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Estimated Taxes
Replies: 8
Views: 1430

Re: Federal Estimated Taxes

e going to multiple stores in a chain, running up 100K a month, sometimes giving fake name, staying just below $10K reporting guidelines etc etc. None of that is illegal (except possibly breaking up transactions to stay below 10k), but it does strike as ethically dubious. I don't know about that. U...
by Pajamas
Tue Jan 16, 2018 9:55 am
Forum: Investing - Help with Personal Investments
Topic: 24 year old with a little over a million looking for a stable income.
Replies: 15
Views: 2586

Re: 24 year old with a little over a million looking for a stable income.

The plan to travel sounds like a good one to me under the circumstances. Consider one of those around-the-world tickets which gives you a general direction to go in and creates a lot of fun in planning to get the most out of it. However, you should focus on total return, not dividends, with your inv...