Search found 3615 matches

by Rupert
Sun Oct 21, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Co-pay accumulators in new health plans
Replies: 21
Views: 1478

Re: Co-pay accumulators in new health plans

The "copay accumulator" means the insurer pockets the money from the assistance program, but no longer counts it towards your deductible or out-of-pocket-maximum ! Although it adds to your cost, it sounds legit as in how insurance should work. When you have reimbursement from somewhere else, you di...
by Rupert
Sat Oct 20, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: AAA Insurance is increasing my home insurance premium by 47.8%!!! with no claims filed
Replies: 29
Views: 2290

Re: AAA Insurance is increasing my home insurance premium by 47.8%!!! with no claims filed

OP, AAA just dropped you without officially dropping you. In other words, they want you to find other coverage. You should accept their invitation and do so.
by Rupert
Sat Oct 20, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Co-pay accumulators in new health plans
Replies: 21
Views: 1478

Re: Co-pay accumulators in new health plans

From a patient point of view, it makes no sense at all to use an assistance program as primary, as these programs exist mainly, if not solely, to fill in gaps with primary insurance plans. The programs don't cover 100% of the drug costs, so people who lack primary insurance can't really benefit fro...
by Rupert
Sat Oct 20, 2018 8:17 am
Forum: Personal Consumer Issues
Topic: Morning/Nighttime Stretching Routine
Replies: 11
Views: 1225

Re: Morning/Nighttime Stretching Routine

You have to be careful when you have an existing neck problem. Before starting a yoga practice or stretching routine I recommend scheduling one private session with a yoga instructor, preferably one with experience working with people with spine/neck issues, to design a personal stretching program f...
by Rupert
Fri Oct 19, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Guidelines About Deposits on a Contractor Job?
Replies: 12
Views: 781

Re: Guidelines About Deposits on a Contractor Job?

Yes, it really does depend on the job, the location, and the contractor. Around here for a project like that most contractors would ask for 1/3 up front and the rest on completion. If it's a project that takes a longer time, then they would break down the payments even more -- into stages. I would b...
by Rupert
Fri Oct 19, 2018 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Co-pay accumulators in new health plans
Replies: 21
Views: 1478

Re: Co-pay accumulators in new health plans

This has been discussed here in prior healthcare threads. I'm not sure how you'd search for them. Perhaps by searching for "co-pay assistance plans" as opposed to co-pay accumulators (a term I had never heard before reading your thread). Note that it's not the insurer that "pockets the money from t...
by Rupert
Fri Oct 19, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: special needs family member approved for Medicaid coverage, need advice
Replies: 11
Views: 621

Re: special needs family member approved for Medicaid coverage, need advice

It can be difficult to find good doctors who accept Medicaid patients in some areas, especially rural areas. Your best bet is going to be a university-affiliated medical system -- a hospital tied to a medical school and various physicians' groups.
by Rupert
Fri Oct 19, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Co-pay accumulators in new health plans
Replies: 21
Views: 1478

Re: Co-pay accumulators in new health plans

Filing an insurance claim without an actual monetary loss is a very common well known form of insurance fraud. The pharmacy files the insurance claim on your behalf. The insurance company pays its contracted share of the cost. The rest is the patient's responsibility. The drug manufacture pays all ...
by Rupert
Fri Oct 19, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Co-pay accumulators in new health plans
Replies: 21
Views: 1478

Re: Co-pay accumulators in new health plans

Filing an insurance claim without an actual monetary loss is a very common well known form of insurance fraud. The pharmacy files the insurance claim on your behalf. The insurance company pays its contracted share of the cost. The rest is the patient's responsibility. The drug manufacture pays all ...
by Rupert
Fri Oct 19, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: How important is registered mail for important documents?
Replies: 28
Views: 1483

Re: How important is registered mail for important documents?

It provides proof of delivery. Sending it certified gets you a tracking number. Sending it certified, return receipt, actually gets you a signature by a person on the other end. So I only send an item certified if I think I might need evidence that the document made its way to its intended destinati...
by Rupert
Fri Oct 19, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Co-pay accumulators in new health plans
Replies: 21
Views: 1478

Re: Co-pay accumulators in new health plans

The "copay accumulator" means the insurer pockets the money from the assistance program, but no longer counts it towards your deductible or out-of-pocket-maximum ! Although it adds to your cost, it sounds legit as in how insurance should work. When you have reimbursement from somewhere else, you di...
by Rupert
Fri Oct 19, 2018 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Co-pay accumulators in new health plans
Replies: 21
Views: 1478

Re: Co-pay accumulators in new health plans

This has been discussed here in prior healthcare threads. I'm not sure how you'd search for them. Perhaps by searching for "co-pay assistance plans" as opposed to co-pay accumulators (a term I had never heard before reading your thread). Note that it's not the insurer that "pockets the money from th...
by Rupert
Thu Oct 18, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Temporary Credit Freeze Lift and non-required PINs - no security
Replies: 12
Views: 927

Re: Temporary Credit Freeze Lift and non-required PINs - no security

No one believed the PINs were secure (and, at least in the case of Experian, they weren't -- see https://www.nytimes.com/2017/09/10/your-money/identity-theft/equifax-breach-credit-freeze.html) and with federal law changing anyway, they scrapped the whole system and started over, giving their "custom...
by Rupert
Thu Oct 18, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Temporary Credit Freeze Lift and non-required PINs - no security
Replies: 12
Views: 927

Re: Temporary Credit Freeze Lift and non-required PINs - no security

I think they've all recently changed their policies in response to the new federal law that makes freezing and unfreezing free for everyone.
by Rupert
Thu Oct 18, 2018 6:49 am
Forum: Personal Consumer Issues
Topic: Car accident, diminished value claim?
Replies: 18
Views: 1552

Re: Car accident, diminished value claim?

I've never heard of that before, but insurance rules/regs do vary by state so check with your own insurance agent to verify. I have personally made DV claims in two accident cases and in both cases successfully made the DV claim with the other driver's insurance company while letting my insurance ha...
by Rupert
Wed Oct 17, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 39
Views: 2264

Re: Car servicing

jackal wrote:
Wed Oct 17, 2018 10:25 am
Thinking of switching dealers.
:oops: Don't take your out-of-warranty car to any dealer. Find an independent mechanic who specializes in Japanese imports. Some even specialize in Hondas. Word-of-mouth is the best way to find one.
by Rupert
Wed Oct 17, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: How much life insurance for cancer survivor? OR, can I even get insured?
Replies: 16
Views: 1252

Re: How much life insurance for cancer survivor? OR, can I even get insured?

Whether you're insurable at all depends on the type of cancer you had, the staging of that cancer, and how many years you have been cancer free. With that medical history, I strongly recommend that you speak to an independent insurance broker and let the broker shop policies for you.
by Rupert
Tue Oct 16, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Sneakers with good arch support
Replies: 33
Views: 1762

Re: Sneakers with good arch support

I second the recommendation to visit a running store to be fitted. Not an all-purpose sporting goods store such as Dick's. Not a general shoe warehouse such as DSW. A real running store. Such stores typically have great return policies and carry higher-end shoes. They can also recommend good orthoti...
by Rupert
Tue Oct 16, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 51
Views: 5339

Re: Jury duty - already booked vacation

Call them and tell them you have a conflict. Typically, they'll re-schedule you for another week. You don't get to pick the week.
by Rupert
Tue Oct 16, 2018 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Kids not interested in money / allowance
Replies: 50
Views: 4820

Re: Kids not interested in money / allowance

She is endlessly broke and always needs more money. Same parents, totally different kids. What can you do? Thanks for the example. I highlighted the above, because from all the observations I have seen there seems to be a HUGE variations in how kids turn out despite what type of "nurturing" environ...
by Rupert
Tue Oct 16, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: Attempted fraud against my frozen credit - Need I do more?
Replies: 9
Views: 1651

Re: Attempted fraud against my frozen credit - Need I do more?

phil64 wrote:
Tue Oct 16, 2018 7:20 am
Forgive my ignorance, but what is the best way to "Freeze" my ChexSytems?
Go to their website. It's super easy. You should also freeze Innovis, which collects the same data as the big three bureaus (again, at the website).
by Rupert
Tue Oct 16, 2018 6:37 am
Forum: Personal Consumer Issues
Topic: short term insurance between jobs
Replies: 10
Views: 518

Re: short term insurance between jobs

COBRA? COBRA Consolidated Omnibus Reconciliation Act (1985). It's the law that requires employers (those with at least 20 employees) to offer employees the right to continue on their medical plan up to 18 months. As PJW noted, there is normally a 60 period to elect coverage from either your last da...
by Rupert
Mon Oct 15, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: short term insurance between jobs
Replies: 10
Views: 518

Re: short term insurance between jobs

COBRA?
by Rupert
Mon Oct 15, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Car accident, claim process
Replies: 2
Views: 347

Re: Car accident, claim process

Insurance company informed us we have no rental coverage, which we were not aware of all these years, for over 35 years. So we are paying for a rental but plan to return it tomorrow and manage with one. We are both retired but we have always had 2 cars. I don't know when I will be able drive my car...
by Rupert
Mon Oct 15, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 78
Views: 3915

Re: How Much Is Your Sewer Bill?

Annoying that they meter the water and charge sewer based on water usage. Of course, all the water does not go down the drain, such as washing a car, watering the lawn, etc. I saw someone above has a separate meter for water that does not go down the drain. Seems like a good idea, but for our light...
by Rupert
Mon Oct 15, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 78
Views: 3915

Re: How Much Is Your Sewer Bill?

My combined water/sewer bill averages $30-40/month. Sewer is 2x water. (We have an abundance of water here).
by Rupert
Sat Oct 13, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: Drop in MPG (09 Civic)
Replies: 24
Views: 1334

Re: Drop in MPG (09 Civic)

I vote ignition coils. I noticed a substantial drop in mpg in my Acura a year or so before a couple of ignition coils failed.
by Rupert
Fri Oct 12, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: Crawlspace flooding issues - builder liable?
Replies: 16
Views: 1043

Re: Crawlspace flooding issues - builder liable?

Gutter no longer the issue. Cleared that after Florence. Will know more about the grading after the pro's come out. I will say this, my dad said from the very beginning that he wasn't pumped about the grade of the lot. He said the crawl space was below the surrounding lot when it should have been a...
by Rupert
Fri Oct 12, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: How much assets to self insure (Life) ?
Replies: 14
Views: 619

Re: How much assets to self insure (Life) ?

Thanks for the replies. Added the missing info to the original post - STD and LTD covered by employer (60% of pay) - Age 42 and 40 (Spouse) I pay about $700/- (per year) thru my employer for Term life policy that is 1Mil in value. Looking at (term4sale), I can get a similar Term Life insurance for ...
by Rupert
Fri Oct 12, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth if income is in phase out range
Replies: 13
Views: 653

Re: Backdoor Roth if income is in phase out range

It's easier just to do the full $5500 conversion, rather than mess around with (and potentially messing up) a conversion for part and a direct contribution for part. There's no reason not to do it that way, other than the taxes as you note. I actually messed around and waited four days between maki...
by Rupert
Fri Oct 12, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth if income is in phase out range
Replies: 13
Views: 653

Re: Backdoor Roth if income is in phase out range

It's easier just to do the full $5500 conversion, rather than mess around with (and potentially messing up) a conversion for part and a direct contribution for part. There's no reason not to do it that way, other than the taxes as you note. I actually messed around and waited four days between makin...
by Rupert
Fri Oct 12, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: How much assets to self insure (Life) ?
Replies: 14
Views: 619

Re: How much assets to self insure (Life) ?

The concern would be an accident where both your and your spouse die at the same time. How would your kids fare under those circumstances? It may well be that you don't need life insurance, but you should consider that truly worst case scenario when you have small children. Also consider: Is your ho...
by Rupert
Fri Oct 12, 2018 10:18 am
Forum: Local Chapters and Bogleheads Community
Topic: michael survivors
Replies: 16
Views: 1941

Re: michael survivors

If anyone knows how Cape San Blas fared, please post. Hi Rupert, Perhaps you can use these as a starting point: https://www.indystar.com/story/news/2018/10/11/hurricane-michael-damage-popular-florida-vacation-destinations-panama-city-mexico-beach/1599340002/ https://storms.ngs.noaa.gov/storms/micha...
by Rupert
Fri Oct 12, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Should we rent a car or take our low mileage 2006 Volvo on a family trip?
Replies: 49
Views: 3136

Re: Should we rent a car or take our low mileage 2006 Volvo on a family trip?

And, if something were to happen to the rental car, we have the rental company to come to our rescue (assumption). Bad assumption. I had a flat tire (with no spare) in downtown Atlanta once. I called the rental car company (Enterprise), which happened to have a location just two blocks from my hote...
by Rupert
Fri Oct 12, 2018 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Should we rent a car or take our low mileage 2006 Volvo on a family trip?
Replies: 49
Views: 3136

Re: Should we rent a car or take our low mileage 2006 Volvo on a family trip?

You should drive the Volvo. I would put new tires on the car first if the tread is worn or the tires are 5+ years old (from date of mfr) and have its hoses and belts inspected if you haven't done that recently. The soft bits on a car that old do begin to fail.
by Rupert
Thu Oct 11, 2018 1:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: michael survivors
Replies: 16
Views: 1941

Re: michael survivors

If anyone knows how Cape San Blas fared, please post. It's the one community I can't find any reference to, or photos of, in the news, but I know it must have been hit hard.
by Rupert
Thu Oct 11, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Filing a Lemon Law Claim on Vehicle
Replies: 8
Views: 700

Re: Filing a Lemon Law Claim on Vehicle

Lemon laws do vary by state, but under many of them, the auto manufacturer is responsible for the plaintiff's attorneys fees. OP, I would check out your state's law first to make sure your claim even fits within your state's lemon law. In my state, for example, there are three criteria for filing a ...
by Rupert
Thu Oct 11, 2018 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Hazard Insurance
Replies: 12
Views: 546

Re: Hazard Insurance

Is $1197 what your homeowners insurance costs? My home insurance is through liberty mutual and the premium is $1025 Was that last year's premium or next year's? My mortgage company always seems to get a copy of my new HO insurance statement before I do and sometimes pays it from escrow before I see...
by Rupert
Thu Oct 11, 2018 6:38 am
Forum: Personal Finance (Not Investing)
Topic: Mold on inspection, need advice
Replies: 30
Views: 2238

Re: Mold on inspection, need advice

Leaks are sometimes hard to find, and repairing them is often a trial-and-error process over time. If the roof has any age on it, I'd insist on a re-roof, rather than a repair. If they refuse, walk away.
by Rupert
Wed Oct 10, 2018 10:39 am
Forum: Investing - Theory, News & General
Topic: Transition to Vanguard's new investment platform???
Replies: 17
Views: 2143

Re: Transition to Vanguard's new investment platform???

I received email today stating that I need to transition my account to Vanguard's new investment platform. Is this required or optional? I don't have any interest in purchasing stocks or ETFs. Thanks. I don't know if that email means it's no longer optional for you. Perhaps you should call them and...
by Rupert
Wed Oct 10, 2018 7:02 am
Forum: Personal Consumer Issues
Topic: Neighbors tree branch growing too close to my house
Replies: 48
Views: 3816

Re: Neighbors tree branch growing too close to my house

I believe everywhere someone has the right to trim off branches that extend over onto their property. You do not need the neighbor's agreement, but hopefully things do not get to the point where this becomes an issue. Just a warning: If your pruning efforts kill the neighbor's tree, there may be li...
by Rupert
Tue Oct 09, 2018 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance into international in retirement account
Replies: 6
Views: 480

Re: Rebalance into international in retirement account

Why do you think your 403b is not the best location for VTIAX? Is it expensive in your 403b due to plan fees?
by Rupert
Tue Oct 09, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Neighbors tree branch growing too close to my house
Replies: 48
Views: 3816

Re: Neighbors tree branch growing too close to my house

I believe everywhere someone has the right to trim off branches that extend over onto their property. You do not need the neighbor's agreement, but hopefully things do not get to the point where this becomes an issue. Just a warning: If your pruning efforts kill the neighbor's tree, there may be li...
by Rupert
Tue Oct 09, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Neighbors tree branch growing too close to my house
Replies: 48
Views: 3816

Re: Neighbors tree branch growing too close to my house

Yes, talk to the neighbor. Some trees have to be pruned in a particular way to avoid damaging the tree, so you do need his input/agreement. You should expect to pay for the pruning yourself, although it would be nice if he offers to pitch in.
by Rupert
Tue Oct 09, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa Signature: Car Rental, No Collision/Comprehensive
Replies: 17
Views: 1678

Re: Fidelity Visa Signature: Car Rental, No Collision/Comprehensive

Also $500 is a scratch. If you got rear-ended and anything got bent or broken it was close to $5000. You were lucky you didn't get hit with loss-of-use, which your card wouldn't have covered. Fidelity visa covers loss-of-use; even Amex platinum doesn't "Covered losses include: • Physical damage and...
by Rupert
Tue Oct 09, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa Signature: Car Rental, No Collision/Comprehensive
Replies: 17
Views: 1678

Re: Fidelity Visa Signature: Car Rental, No Collision/Comprehensive

Also $500 is a scratch. If you got rear-ended and anything got bent or broken it was close to $5000. You were lucky you didn't get hit with loss-of-use, which your card wouldn't have covered. Fidelity visa covers loss-of-use; even Amex platinum doesn't "Covered losses include: • Physical damage and...
by Rupert
Tue Oct 09, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: roof leak thread
Replies: 7
Views: 859

Re: roof leak thread

There have been many roof leak threads over the years, too many to link. Just enter "roof leak" into the search box in the upper right, and you'll find them. Generally, unless the source of the leak is obvious (e.g., missing shingles), you do have to do what the prior poster recommended -- sit in th...
by Rupert
Mon Oct 08, 2018 8:03 am
Forum: Personal Finance (Not Investing)
Topic: New Car: No Collision/Comprehensive?
Replies: 52
Views: 4245

Re: New Car: No Collision/Comprehensive?

For example, if someone hits your car and is likely at fault, can you call your insurance company for subrogation, so they can deal with the other person's insurance company (since you have auto liability insurance)? So here's the Black's Law Dictionary definition of subrogation: "The principle und...
by Rupert
Fri Oct 05, 2018 7:04 am
Forum: Personal Consumer Issues
Topic: Tackling Disney World - Discount on tickets?
Replies: 65
Views: 3682

Re: Tackling Disney World - Discount on tickets?

Unfortunately, there aren't many discounts on tickets. You can save a few dollars with some of the websites (Underground Tourist is one). You could also book a Costco package, but those are usually for a minimum number of days. Unfortunately, your two goals -- avoidance of lines and cheaper tickets ...