Search found 3633 matches

by Rupert
Tue Oct 23, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 56
Views: 4876

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

This following paper is based on Korean health records, but does show higher incidence of cancer for lowest income quintile vs. highest income quintile. https://www.ncbi.nlm.nih.gov/pubmed/22799334 Even if the incidence were totally unrelated, half the patients would be below the median income for ...
by Rupert
Tue Oct 23, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 56
Views: 4876

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

Don't be terrified. It's a very misleading headline and an only slightly less misleading study. JT Seems that way to me as well. It is also true that lifestyle choices greatly affect the chances that we will get many kinds of cancer. Yeah, lifestyle choices like breathing air (which is polluted by ...
by Rupert
Tue Oct 23, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Denied health (travel) insurance claim
Replies: 5
Views: 538

Re: Denied health (travel) insurance claim

I suspect this is the problem: "On the same day that I took the new travel insurance, I developed some health complications and had to visit the ER." The insurance company smells fraud.
by Rupert
Tue Oct 23, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 142
Views: 11163

Re: PSA: Don't buy a big house

http://mcmansionhell.com You’re welcome Oh gosh, I had not looked at that for a LONG time, thanks. The beige kitchen with white appliances. Must.Have. :shock: That is my favorite website!! I love to show it to people who don't get why they are so ugly :) Different people like different things. Whil...
by Rupert
Mon Oct 22, 2018 4:12 pm
Forum: Investing - Theory, News & General
Topic: Shouldn't Fridays be higher than average due to 401k contributions?
Replies: 44
Views: 2731

Re: Shouldn't Fridays be higher than average due to 401k contributions?

Tens of millions of people automatically buy on Fridays. Does that make Fridays higher on average than other days? If not, why? Tens of millions of people automatically buy on days that aren't Friday, also! Who says that Friday is a higher purchase day than others? cheers, jwf Because payday for al...
by Rupert
Mon Oct 22, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 56
Views: 4876

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

Back to the original scope of this thread; cancer treatments I'm sure are expensive. Nonetheless, there are other illnesses which require high medicare care and then morphs into additional long term nursing care. My mother had major cardiac issues, which called for extensive, initial medicare care,...
by Rupert
Mon Oct 22, 2018 3:51 pm
Forum: Investing - Theory, News & General
Topic: Shouldn't Fridays be higher than average due to 401k contributions?
Replies: 44
Views: 2731

Re: Shouldn't Fridays be higher than average due to 401k contributions?

Tens of millions of people automatically buy on Fridays. Does that make Fridays higher on average than other days? If not, why? Tens of millions of people automatically buy on days that aren't Friday, also! Who says that Friday is a higher purchase day than others? cheers, jwf Because payday for al...
by Rupert
Mon Oct 22, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Where to roll an old 403b
Replies: 13
Views: 448

Re: Where to roll an old 403b

NC state employees have access to a 401k plan and a 457 plan (also a 403b if you're a school employee). Can you not use one of those? It's worth checking to see if they allow rollovers.
by Rupert
Mon Oct 22, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 69
Views: 3322

Re: Car Dealer told us car was Certified, but it isnt

Brakes pads and rotors are "wear items" that are not even covered under the bumper-to-bumper warranties on new cars, let alone used ones. So your entire story doesn't make a lot of sense to me. I think you're misunderstanding someone, and, as the prior poster noted, you definitely got ripped off on ...
by Rupert
Mon Oct 22, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 69
Views: 3322

Re: Car Dealer told us car was Certified, but it isnt

What year is the vehicle? What was the problem with it? it is a 2013, we bought it 4 months ago and it had a squeeling noise in front of car. Wife is 5 1/2 months pregnant so we didn't want to take it to the dealer we bought it from an hour and a half away one way, so I called and even talked to th...
by Rupert
Mon Oct 22, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: House has major repair issues right after buying... options
Replies: 27
Views: 1976

Re: House has major repair issues right after buying... options

Maybe (?) if these flippers are in this as a regular ongoing operation, they might be cooperative. Is there any way to know who is to blame - the flippers or a contractor? I'd be willing to bet there was no licensed contractor involved in this debacle. Moral of story: Never buy a house from anyone ...
by Rupert
Mon Oct 22, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 56
Views: 4876

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

I don't know, the numbers seem a little sensational. According to this site: According to a 2013 study in the American Journal of Clinical Oncology, for Americans newly diagnosed with cancer, the annual economic burden was $16,000 per person. Cancer bills have been a leading cause of personal bankr...
by Rupert
Mon Oct 22, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 56
Views: 4876

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

I don't know, the numbers seem a little sensational. According to this site: According to a 2013 study in the American Journal of Clinical Oncology, for Americans newly diagnosed with cancer, the annual economic burden was $16,000 per person. Cancer bills have been a leading cause of personal bankr...
by Rupert
Mon Oct 22, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Which HDHP plan is better, Blue Cross or United
Replies: 24
Views: 842

Re: Which HDHP plan is better, Blue Cross or United

If you're a youngish person with no health problems (and thus little prior contact with the healthcare industry), the easiest way to figure out which is the best plan is often to ask your older co-workers.
by Rupert
Mon Oct 22, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Which HDHP plan is better, Blue Cross or United
Replies: 24
Views: 842

Re: Which HDHP plan is better, Blue Cross or United

Answers are going to be very state specific -- in other words, basically useless to you. Blue Cross has a different organization in every state, for example. All else being equal, look at the networks. Which plan includes your preferred doctors and facilities in their network?
by Rupert
Mon Oct 22, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Additional charges for kids in Las Vegas hotels
Replies: 6
Views: 609

Re: Additional charges for kids in Las Vegas hotels

Almost all Vegas hotels charges extra for more than 2 adults per room. This is fairly common in big-city hotels that cater to tourists and conferences. The lack of free breakfast is also common in big-city hotels. Sure, you could book the room for only two people, cram 4 people in there, and hope yo...
by Rupert
Mon Oct 22, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 142
Views: 11163

Re: PSA: Don't buy a big house

barnaclebob wrote:
Mon Oct 22, 2018 9:05 am
. . . one of those cookie cutter soul sucking cathedrals of urban sprawl.
Just wanted to congratulate you on that nice turn of phrase. I would modify it only slightly to be "suburban sprawl," rather than urban sprawl.
by Rupert
Sun Oct 21, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 2871

Re: Why Purchase an Automobile using Premium Gasoline?

Stated succinctly, if not any differently from what others have said above: A person who can afford a premium car isn't going to be bothered by (or even notice) the additional price of premium gas. Why do some people prefer a Rolex when a Timex will do?
by Rupert
Sun Oct 21, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Co-pay accumulators in new health plans
Replies: 35
Views: 2299

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: 30
Views: 2693

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: 35
Views: 2299

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: 1289

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: 807

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: 35
Views: 2299

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: 642

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: 35
Views: 2299

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: 35
Views: 2299

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: 1524

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: 35
Views: 2299

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: 35
Views: 2299

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: 950

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: 950

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: 1560

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: 48
Views: 3345

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: 1311

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: 1797

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: 5386

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: 4899

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: 1666

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: 533

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: 533

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: 352

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: 3968

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: 3968

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: 1343

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: 1049

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: 626

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: 658

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: 658

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: 626

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...