Search found 1678 matches

by bayview
Mon Jun 24, 2019 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 3907

Re: Triage in ER - charged $790

You need to pay it and move on with your life. ER clinicians have zero information about you and don't know if you are even telling them anything with accuracy, so yes, they need to confirm you aren't going to die. What if you left before seeing them and died later - might that have been worse than...
by bayview
Mon Jun 24, 2019 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 3907

Re: Triage in ER - charged $790

They can't charge you for a level 2 (or level 1) ED visit. You weren't seen by a physician/ NP/ PA. "Just nurses" can't code 9928x visits. The only E/M code that a nurse can use is 99211 for an established outpatient office visit. Call the hospital compliance officer and ask for a review of the note...
by bayview
Mon Jun 24, 2019 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal or cheap?
Replies: 106
Views: 8114

Re: Frugal or cheap?

Well put bayvview, the question stems from is this a worthwhile item to spend on. I know we can afford to, but trying to balance long term finances with things we want. We dont spend on flashy cars or anything really, have been frugal in all other areas but the wife really wants this If you have a ...
by bayview
Sun Jun 23, 2019 8:49 pm
Forum: Personal Investments
Topic: [ETF vs. Mutual Fund questions]
Replies: 33
Views: 1347

Re: which is better schwab or fedelity ???

looking wrote:
Sun Jun 23, 2019 7:24 pm
I have vanguard account now and like to have another one,, which is better Schwab or fidelity ???

thank you
Why do you want to add another account/ brokerage account? What specific “improvement” are you looking for?
by bayview
Sun Jun 23, 2019 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal or cheap?
Replies: 106
Views: 8114

Re: Frugal or cheap?

[OT comment removed by moderator oldcomputerguy] The issue/ question is whether OP has gone overboard in fiscal caution. That’s a legitimate question to be raised, along with what are reasonable limits on reno costs. We do tilt toward excessive savings here. In Boglehead-land, it’s easy to hyper-fo...
by bayview
Sun Jun 23, 2019 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Sale of elderly parents' home
Replies: 42
Views: 2889

Re: Sale of elderly parents' home

<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<< No! She would get either her own benefit or half his benefit (survivor), whichever is higher. If she’s currently getting half his benefit, that’s all she’ll keep. This is what i...
by bayview
Sun Jun 23, 2019 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Which Fed Employee Health Insurance Plan?
Replies: 26
Views: 1517

Re: Which Fed Employee Health Insurance Plan?

We use BCBS Basic (as employee and retiree.) It has worked fine. One thing you might want to keep in mind is that if you have a “schedulable” high-dollar procedure (major joint replacement, etc) coming up, especially if it involves a lot of pre-op and post-op rehab, you might switch to the higher pl...
by bayview
Sun Jun 23, 2019 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries/TOD for Vanguard Joint Account
Replies: 35
Views: 6071

Re: Beneficiaries/TOD for Vanguard Joint Account

Danw wrote:
Sun Jun 23, 2019 4:43 pm
I have an old joint account with TOD. Can I keep this if I “upgrade” to a brokerage platform.
Wow, I have to say that I would be scared witless to do this if the TOD option were important. I certainly wouldn’t rely on anything the CSRs told me. :(
by bayview
Sun Jun 23, 2019 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Sale of elderly parents' home
Replies: 42
Views: 2889

Re: Sale of elderly parents' home

I agree that having that expensive of a house is not ideal but as long as there is a lot of home equity they may be able to get a reverse mortage if it is needed. The OPs location is listed as "SFBA" which I assume is the San Francisco Bay area so a million dollar+ home may not be all that fancy. I...
by bayview
Sun Jun 23, 2019 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Sale of elderly parents' home
Replies: 42
Views: 2889

Re: Sale of elderly parents' home

I agree that having that expensive of a house is not ideal but as long as there is a lot of home equity they may be able to get a reverse mortage if it is needed. The OPs location is listed as "SFBA" which I assume is the San Francisco Bay area so a million dollar+ home may not be all that fancy. I...
by bayview
Sun Jun 23, 2019 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Helping Daughter: Vanguard, Fidelity, or Something Else
Replies: 20
Views: 1417

Re: Helping Daughter: Vanguard, Fidelity, or Something Else

She already has an account at Vanguard. Maybe it would be easiest if she just changes banks. + 1 2 Is there a bank or credit union associated with her school, and do they issue credit cards? It will probably be pretty vanilla-flavored (not a lot of cash back etc.) but should be enough for a new gra...
by bayview
Sun Jun 23, 2019 3:21 am
Forum: Personal Investments
Topic: Tax planning: implications of Muni Fund (VWITX)
Replies: 7
Views: 893

Re: Tax planning: implications of Muni Fund (VWITX)

Here's the link for the percentages of individual states in funds:

https://personal.vanguard.com/us/insigh ... guardfunds

then click on state-specific info on right (PDF format)
by bayview
Sun Jun 23, 2019 2:50 am
Forum: Personal Finance (Not Investing)
Topic: Wife considering returning to work
Replies: 34
Views: 3625

Re: Wife considering returning to work

...But I am completely okay with the fact that the years I spend at the highest career level - whatever that might be - will be many fewer than if I had not stayed home with my kids. I don't consider it a "sacrifice" as I refuse to accept that the default path in life is a linear work full-time str...
by bayview
Sat Jun 22, 2019 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone knew the answer where the money is
Replies: 27
Views: 3839

Re: Anyone knew the answer where the money is

OMG.....it looks like they did 100% transfer Fidelity Transaction history have shown 100% IRA account transfer including the Fidelity bond funds Fidelity representative said the transaction will take effective on Monday, its too late to un-do the transaction. What a mess? They won’t correct their o...
by bayview
Sat Jun 22, 2019 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone knew the answer where the money is
Replies: 27
Views: 3839

Re: Anyone knew the answer where the money is

Have you reviewed your order to see if what it states is what you wanted?

Because things do happen, to all of us. :shock: :D
by bayview
Fri Jun 21, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: How much is your guys’ fees for your 401k?
Replies: 96
Views: 4813

Re: How much is your guys’ fees for your 401k?

$0 for TSP (federal employee version of 410k).

Average 0.04% for expense fees, which is a separate topic, as OP noted.

edited to correct pesky decimal
by bayview
Mon Jun 17, 2019 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Maternity and Paternity leave policies
Replies: 56
Views: 3073

Re: Maternity and Paternity leave policies

My employer (tech) offers 5 months fully paid. Mothers, fathers, biological or adopted. Everyone gets 5 months. It’s always refreshing to see acknowledgement that these (apparently) PITA babies are future employees and customers, and perhaps ought not to be regarded as parasites on the company bott...
by bayview
Mon Jun 17, 2019 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Short-term money needs for Executor of Estate
Replies: 57
Views: 3733

Re: Short-term money needs for Executor of Estate

Any suggestions for how much cash to have in a dedicated joint account for final expenses? This is assuming no mortgage, all bills current, x months of utilities and homeowners insurance, prepaid “final expenses” (uh, I hate the euphemisms of the funeral industry), current on any healthcare expense...
by bayview
Mon Jun 17, 2019 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Short-term money needs for Executor of Estate
Replies: 57
Views: 3733

Re: Short-term money needs for Executor of Estate

I’m fortunate (I guess; I’d like to have had a sibling) to be the successor trustee plus the executor of any residual estate. I doubt that there will be any pushback from the other beneficiaries (my children), especially as the trust specifically says that anyone who challenges any provision of the ...
by bayview
Mon Jun 17, 2019 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Short-term money needs for Executor of Estate
Replies: 57
Views: 3733

Re: Short-term money needs for Executor of Estate

Any suggestions for how much cash to have in a dedicated joint account for final expenses? This is assuming no mortgage, all bills current, x months of utilities and homeowners insurance, prepaid “final expenses” (uh, I hate the euphemisms of the funeral industry), current on any healthcare expenses...
by bayview
Mon Jun 17, 2019 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Bank won't give Medallion Signature Guarantee for anything related to savings bonds
Replies: 16
Views: 1465

Re: Bank won't give Medallion Signature Guarantee for anything related to savings bonds

1. Yes, it is common as more and more banks are refusing to sign a medallion. 2. The Treasury understands this, so I called them and they said to include a short letter to the effect, 'I tried to obtain a medallion signature but could not as the bank no longer performs them, so obtained a notary si...
by bayview
Thu Jun 13, 2019 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 318
Views: 23176

Re: Selling home- Demanding Buyer (Repairs)

I thought the final offer was your previous one. You allowed buyer to attend perc test with understanding that the price would be reduced by the written estimate. Why were they allowed to counter? I find this absurd that this run around is occurring 14 days before closing. Makes me think buyer is n...
by bayview
Thu Jun 13, 2019 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Got a refund today they only would put in back on the visa card. Later I found out that card has been closed nine months
Replies: 22
Views: 2444

Re: Got a refund today they only would put in back on the visa card. Later I found out that card has been closed nine mo

iamblessed wrote:
Thu Jun 13, 2019 12:47 pm
I closed several credit cards around the same time so I have no idea which one this was. The good news is it is not big money at stake.
Why did you close multiple credit cards around the same time?
by bayview
Thu Jun 13, 2019 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 318
Views: 23176

Re: Selling home- Demanding Buyer (Repairs)

Stop trying to come up with the elegant, perfect solution. Walk. Walk, walk, walk. Fix the septic per the report you had, fire your RA, get a new one (from a different agency unless you had a “come to Jesus” meeting with the former broker), get a new price (who knows, maybe even higher after your im...
by bayview
Thu Jun 13, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Is POD the best designation for Mom’s checking account?
Replies: 38
Views: 2713

Re: Is POD the best designation for Mom’s checking account?

I used a revocable living trust for mom after she was diagnosed with dementia, with myself as co-trustee (not successor) Just did the same for another relative...moved their house and bank accounts into the trust. How were you able to set up a trust in her name once she had a dementia diagnosis? I ...
by bayview
Wed Jun 12, 2019 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 753
Views: 80821

Re: Fidelity as a one stop shop

Lots of banks do early direct deposit these days, I've noticed it with NFCU, Fidelity and Ally, and have heard USAA does it as well. If you're budgeting properly it shouldn't matter either way. My federal paycheck always showed up by 7:30 Thursday, always. Payday was Friday. Most other employees ha...
by bayview
Wed Jun 12, 2019 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Is POD the best designation for Mom’s checking account?
Replies: 38
Views: 2713

Re: Is POD the best designation for Mom’s checking account?

I used a revocable living trust for mom after she was diagnosed with dementia, with myself as co-trustee (not successor) Just did the same for another relative...moved their house and bank accounts into the trust. How were you able to set up a trust in her name once she had a dementia diagnosis? I ...
by bayview
Tue Jun 11, 2019 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Is POD the best designation for Mom’s checking account?
Replies: 38
Views: 2713

Re: Is POD the best designation for Mom’s checking account? UPDATE

I talked to the bank today. Turns out my General Durable Power of Attorney is good for 'Personal Finances,' but what that really means is I can ... ... withdraw and deposit funds from bank accounts belonging to Principal and to enter and remove contents of all safe deposit boxes rented by the princ...
by bayview
Mon Jun 10, 2019 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: Late Life/End of Life Expenses
Replies: 38
Views: 3758

Re: Late Life/End of Life Expenses

The 2 excellent nursing homes in my area (both non-profits, which I think is important) run about $105k-$120k per year for completely self pay. Run the numbers. Unless you get hit with early-onset Alzheimer’s, spinal trauma, MS/ALS etc., it’s not completely unreasonable to have 5 years or so in fund...
by bayview
Mon Jun 10, 2019 4:10 am
Forum: Personal Finance (Not Investing)
Topic: 22 Years Old - Which credit card to begin with?
Replies: 44
Views: 2990

Re: 22 Years Old - Which credit card to begin with?

IF (only if) you get rejected for insufficient credit history, etc., get a personal loan from your university bank/CU. Borrow $500, let it report once (show up as amount due), and then pay it off. Bingo, you have credit history. If you want to drag it out, make the payments over three months. Any in...
by bayview
Mon Jun 10, 2019 4:04 am
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 142
Views: 9113

Re: Do you carry Umbrella Insurance?

$2M, and it's overkill now that we have unloaded our rental property, but it's cheap. The increased premium might be the equivalent of a few nights' out for dinner, and falls in the "not worth worrying about" category.
by bayview
Mon Jun 10, 2019 3:37 am
Forum: Personal Finance (Not Investing)
Topic: Checks without my account number
Replies: 39
Views: 3877

Re: Checks without my account number

I'm curious, because I'm moving my mother's b&m funds to Vanguard Treasury MM: Is this potentially an issue with VG as well, if you have checkwriting set up? I know that VA is sadly gone. This is for checks >$250 drawn on a VG account. The plan is to pay my mother's nursing home expenses from VG Tre...
by bayview
Sun Jun 09, 2019 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Is POD the best designation for Mom’s checking account?
Replies: 38
Views: 2713

Re: Is POD the best designation for Mom’s checking account?

Some money should be left in the estate, not POD. ... You also should assume that some expenses may need to be paid before you have official documentation as the executor, such as at least partial payment to the funeral home. Anyone know if the checking account was changed to my being a joint owner...
by bayview
Sun Jun 09, 2019 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Is POD the best designation for Mom’s checking account?
Replies: 38
Views: 2713

Re: Is POD the best designation for Mom’s checking accou

Some money should be left in the estate, not POD. ... You also should assume that some expenses may need to be paid before you have official documentation as the executor, such as at least partial payment to the funeral home. Anyone know if the checking account was changed to my being a joint owner...
by bayview
Sun Jun 09, 2019 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions on fraudulent medical bill
Replies: 88
Views: 6091

Re: Suggestions on fraudulent medical bill

I have only heard one side of the story and so I wont comment on this particular instance. However for clinic follow up visits I frequently (and legitimately) bill level 2, level 3 and level 4 without coming within 5 feet of the patient. I do speak with the patient but an exam requiring touching th...
by bayview
Sat Jun 08, 2019 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Is POD the best designation for Mom’s checking account?
Replies: 38
Views: 2713

Re: Is POD the best designation for Mom’s checking account?

Couple more questions : 1) Does joint ownership (JTWROS) allow the account to stay open and immediately accessible to the remaining owner after one of the owners has died? 2) Are there any issues with being a joint owner of an account while simultaneously being a POA for another joint owner. 3) If ...
by bayview
Sat Jun 08, 2019 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 306
Views: 49480

Re: Improving the TSP [for current participants]

Biggest reason for me to keep funds in the TSP other than access to the "G" fund is that I will not be taxed by my state of residence when I begin RMDs several years down the road. Those two factors make staying put an easy decision. Hi, Blues, are you in NC? I have read varying interpretations of ...
by bayview
Fri Jun 07, 2019 8:35 am
Forum: Personal Finance (Not Investing)
Topic: how to deal with people who are not living boglehead way of life
Replies: 45
Views: 2754

Re: how to deal with people who are not living boglehead way of life

NavyIC3 wrote:
Fri Jun 07, 2019 7:51 am
sd323232 wrote:
Fri Jun 07, 2019 7:17 am
I am 36, single guy and consider myself boglehead..

Take my advice, never give advice.
:P

Seriously, if (and only if) anyone asks you for advice, recommend Bill Bernstein's "If You Can." Tell them that it works for you. But that's it. Never loan money to family, it will never be repaid.
by bayview
Fri Jun 07, 2019 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Suggestions on fraudulent medical bill
Replies: 88
Views: 6091

Re: Suggestions on fraudulent medical bill

And that is so wrong, wrong, wrong. You can only * ethically and legally * submit diagnostic and procedural codes that are supported by the documentation in the clinical record. This is exactly what I meant when I posted above that coding and billing should be separate entities. Billers have no bus...
by bayview
Fri Jun 07, 2019 12:03 am
Forum: Personal Finance (Not Investing)
Topic: Suggestions on fraudulent medical bill
Replies: 88
Views: 6091

Re: Suggestions on fraudulent medical bill

I think his issue was the doc documented things in the exam that weren't examined. An exam that wasn't performed as documented caused upcoding of the chart by the coders. It would be interesting to know if the coding and billing functions were separate, or if everything were done by "coder/billers....
by bayview
Thu Jun 06, 2019 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions on fraudulent medical bill
Replies: 88
Views: 6091

Re: Suggestions on fraudulent medical bill

^^^ see, proves my point - I’m a doc and I don’t even know if it’s two people or one! Exactly! I was one of those reviled (lol) documentation improvement specialists, and it was such fun trying to explain to clinicians how their EMR notes which were perfectly understandable by their colleagues went...
by bayview
Thu Jun 06, 2019 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions on fraudulent medical bill
Replies: 88
Views: 6091

Re: Suggestions on fraudulent medical bill

I think his issue was the doc documented things in the exam that weren't examined. An exam that wasn't performed as documented caused upcoding of the chart by the coders. It would be interesting to know if the coding and billing functions were separate, or if everything were done by "coder/billers....
by bayview
Thu Jun 06, 2019 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions on fraudulent medical bill
Replies: 88
Views: 6091

Re: Suggestions on fraudulent medical bill

If you were truly not seen/examined by anyone other than an ED physician before the hospitalist strolled in, then yes, the hospitalist should not be mooching off the ED doc’s work and billing an inpatient admit code. You’ve done what you could. If you’re not paying out of pocket, let it go. You’ve ...
by bayview
Thu Jun 06, 2019 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions on fraudulent medical bill
Replies: 88
Views: 6091

Re: Suggestions on fraudulent medical bill

Oddly enough, patients seen by a resident physician must be seen by an attending physician but patients seen by NP/PA's aren't required by a national accreditation body to be seen by an attending physician. The requirement that attendings see patients seen by residents is part of resident supervisi...
by bayview
Thu Jun 06, 2019 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Attn: teachers....Daughter considering 80% teaching position. Good idea?
Replies: 64
Views: 4997

Re: Attn: teachers....Daughter considering 80% teaching position. Good idea?

I am a teacher, I would take this 80% position, it probably isn't any more or less likely to become full time for year two than another first year position is to continue into year two. Unfortunately, needs change and it's pretty easy for a first year teacher to get laid off. Can she get certified ...
by bayview
Thu Jun 06, 2019 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions on fraudulent medical bill
Replies: 88
Views: 6091

Re: Suggestions on fraudulent medical bill

I had a hospital admission in April during which the admitting hospitalist physician came into my ER room, said "Hi, I'm Dr. Smith. We'll be admitting you for XYZ, you'll probably be here 2 or 3 days, OK?" And left with taking any verbal history or doing ANY exam; the guy stood with his arms crosse...
by bayview
Thu Jun 06, 2019 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Close to making an offer on a home
Replies: 65
Views: 5244

Re: Close to making an offer on a home

Leave out the emotion. Do you want this house or not? If you want it, can you afford it (including whatever you have to do to get it livable) or not? It isn’t the job of sellers to make homes affordable for buyers. Sellers want the best price/cleanest deal; buyers want THEIR best price. That’s prett...
by bayview
Thu Jun 06, 2019 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: W4 changes after getting married and having a baby
Replies: 10
Views: 602

Re: W4 changes after getting married and having a baby

Hi- I got married in December 2018 and we filed jointly for 2018. We had a baby in January 2019. I'm confused about if I should change my W4 withholding. I'm confused because I always heard that once you have a baby you get a favorable tax credit, hence everyone around me willing Baby to arrive on ...
by bayview
Tue Jun 04, 2019 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a grace period for canceling a whole life policy?
Replies: 7
Views: 419

Re: Is there a grace period for canceling a whole life policy?

Unrelated to OP’s question, the friend should mention to his sponsor that a fellow AA member was hustling for business at a meeting. That’s really low and contrary to the spirit of 12 step groups.
by bayview
Tue Jun 04, 2019 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: W4 changes after getting married and having a baby
Replies: 10
Views: 602

Re: W4 changes after getting married and having a baby

Hi- I got married in December 2018 and we filed jointly for 2018. We had a baby in January 2019. I'm confused about if I should change my W4 withholding. I'm confused because I always heard that once you have a baby you get a favorable tax credit, hence everyone around me willing Baby to arrive on ...