Search found 1799 matches

by an_asker
Thu Oct 19, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: How does the medical billing system work?
Replies: 28
Views: 1612

Re: How does the medical billing system work?

This grossly over stated MSRP is how hospitals get giant tax write offs and maintain their non profit status. They treat uninsured and then write off this giant non collectable fee on their tax bill. So by magic they have no profit!!!!? This is 100% false. Do not listen to this person. They are lyi...
by an_asker
Wed Oct 18, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Least expensive iPhone
Replies: 65
Views: 5665

Re: Least expensive iPhone

Literally a year after posting this question, I've paid for a used iPhone SE from Swappa (yet to arrive, but it is in the mail). Wish me luck, folks! :-)

I've now got about half a dozen working smartphones in my collection, each of which - believe me or not - is serving a purpose!!
by an_asker
Wed Oct 18, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Best smartphone
Replies: 22
Views: 1224

Re: Best smartphone

I wonder how long it is going to take to name about every phone available on the market as the recommended phone. I'll name iPhone 6 because I have one and have not yet been moved to buy something else. I think you've a point there. I think OP's question needs to be replaced with "which is the best...
by an_asker
Wed Oct 18, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Multi-currency accounts for US citizen
Replies: 33
Views: 1097

Re: Multi-currency accounts for US citizen

If it is mainly used for travel, he should just throw his left-over foreign currency in an envelope and put it where he will find it before going on the next trip. It's not like he's going to be stashing thousands away each time, but the fees to monitor small amounts of left-overs for him would out...
by an_asker
Wed Oct 18, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Credit scores fell this month a lot for no reason
Replies: 38
Views: 1897

Re: Credit scores fell this month a lot for no reason

I recently paid off a large installment loan - my credit score declined 30 points :annoyed . The credit agencies need to revise their use of a FICO scoring model that fails to understand how risk declines when overall credit utilization declines. It's annoying, but you can't fix stupid. I don't thi...
by an_asker
Wed Oct 18, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Multi-currency accounts for US citizen
Replies: 33
Views: 1097

Re: Multi-currency accounts for US citizen

There are ETFs that invest in various currencies, but their risks are different than for stock-based ETFs and they can be quite volatile. https://www.fidelity.com/learning-center/investment-products/etf/types-of-etfs-foreign-currency-etfs He’s not really looking for investment opportunities; he wou...
by an_asker
Wed Oct 18, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Multi-currency accounts for US citizen
Replies: 33
Views: 1097

Re: Multi-currency accounts for US citizen

Maybe an even simpler option would be to have him sign up for a credit card with no foreign transaction fees. That way he can travel to as many countries as he wants, and never have to worry about different currencies and transaction fees. Also, this gives him most value for his dollars and helps b...
by an_asker
Wed Oct 18, 2017 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Multi-currency accounts for US citizen
Replies: 33
Views: 1097

Re: Multi-currency accounts for US citizen

TomatoTomahto wrote:
Wed Oct 18, 2017 10:02 am
[...]He’ll learn, and someday, he might decide to fill an unmet need himself.
Maybe he can start a low-cost HSA bank/servicer ;-)
by an_asker
Wed Oct 18, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Multi-currency accounts for US citizen
Replies: 33
Views: 1097

Re: Multi-currency accounts for US citizen

For sake of simplicity, I think cashing the Euros and keeping the cash for future European trips is the best bet. Opening a multi-currency account just for 600 Euros doesn't seem like its worth the hassle. He’s young, and the expectation is that he will be traveling a lot after college. This year, ...
by an_asker
Wed Oct 18, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: Why so many "reversed" pictures?
Replies: 14
Views: 2184

Re: Why so many "reversed" pictures?

Huh!! I've never seen those reversed photos. Never claimed to have good observation powers :oops: Some (perhaps most) people do not have symmetric faces, so if you look at a face photo (perhaps yourself) reversed - it may not look fully like you. That is difficult for me to observe. I was referring...
by an_asker
Wed Oct 18, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: How does the medical billing system work?
Replies: 28
Views: 1612

Re: How does the medical billing system work?

This grossly over stated MSRP is how hospitals get giant tax write offs and maintain their non profit status. They treat uninsured and then write off this giant non collectable fee on their tax bill. So by magic they have no profit!!!!? This is 100% false. Do not listen to this person. They are lyi...
by an_asker
Wed Oct 18, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Why so many "reversed" pictures?
Replies: 14
Views: 2184

Re: Why so many "reversed" pictures?

Huh!! I've never seen those reversed photos. Never claimed to have good observation powers :oops:
by an_asker
Wed Oct 18, 2017 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Multi-currency accounts for US citizen
Replies: 33
Views: 1097

Re: Multi-currency accounts for US citizen

For sake of simplicity, I think cashing the Euros and keeping the cash for future European trips is the best bet. Opening a multi-currency account just for 600 Euros doesn't seem like its worth the hassle. Simpler than that, put that in a (big enough) piggy bank like I have, though my balances are ...
by an_asker
Wed Oct 18, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Credit scores fell this month a lot for no reason
Replies: 38
Views: 1897

Re: Credit scores fell this month a lot for no reason

There is zero risk in extending me credit. The scores aren't entirely designed to estimate your risk. They're designed to rate your attractiveness as a credit customer. Your risk level is only half of that picture. :beer [...] This bears repeating, especially because folks don't appear to be unders...
by an_asker
Tue Oct 17, 2017 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union no longer offering HSA's as of 11/9
Replies: 44
Views: 3936

Re: Alliant Credit Union no longer offering HSA's as of 11/9

DW has an account with Alliant HSA. It is all in cash currently. With the change in Alliant, my head is spinning with the available HSA options. I am unable to figure out whether to leave the cash "as is" going into HealthEquity, or whether to move it somewhere. I would love to have a tabulated comp...
by an_asker
Tue Oct 17, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to make some dollars on a 10 day vacation?
Replies: 50
Views: 3948

Re: Best way to make some dollars on a 10 day vacation?

From a pure utility POV, you'd likely be much better off taking those 10 days to invest in yourself - your health, happiness, knowledge, skills, etc. +1. Decompress. Stop thinking of Money for 10 days. I agree! Hankering after more money defeats the very purpose of vacation. OP, if you want a tongu...
by an_asker
Tue Oct 17, 2017 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale rule unclear if not married at time of buy or sell
Replies: 5
Views: 454

Re: Wash sale rule unclear if not married at time of buy or sell

I wouldn't claim to know IRS's answer. But, if you were to ask me to hazard a guess. I would say that your spouse cannot (after marriage) purchase a stock that you've sold within 30 days of her purchase date. In other words, actions performed before marriage should be mutually exclusive, but actions...
by an_asker
Tue Oct 17, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: How do you outfit your feet?
Replies: 27
Views: 2217

Re: How do you outfit your feet?

obgraham wrote:
Mon Oct 16, 2017 9:22 pm
[...]
Never understood the fascination with having a closet full of shoes. I only have 2 feet.[...]
I bet you've only one torso. How many tops do you own? ;-)
by an_asker
Tue Oct 17, 2017 12:30 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 277
Views: 12661

Re: TD Ameritrade - changes in free ETF options

wxturtle wrote:
Tue Oct 17, 2017 11:06 am
michaeljc70 wrote:
Tue Oct 17, 2017 10:40 am
I searched before posting. Those threads are old. I got this email today and the change is coming in November.
viewtopic.php?f=10&t=229801
I know that for a turtles, three days is no biggie, but ... ;-)
by an_asker
Fri Oct 13, 2017 7:30 pm
Forum: Personal Consumer Issues
Topic: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!
Replies: 26
Views: 1759

Re: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!

Thanks We are Texans and have barely skied (tried 2-3 times) :mrgreen: We will be landing in Frankfurt 3-4 days before Christmas to attend wedding. I am just exploring if this could be a viable plan. The day after Christmas, begin a train journey for 10-11 days. Stay in 2 or 3 towns for few days ea...
by an_asker
Fri Oct 06, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3787

Re: How do you value your time?

Rupert wrote:
Fri Oct 06, 2017 11:27 am
[...]+100.[...]
Do you own special Boglehead voting rights - the Class A shares? ;-)
by an_asker
Fri Oct 06, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3787

Re: How do you value your time?

This is so personal that anyone who gives an opinion is wrong. You must make your own decision about this. Everyone's free time is obviously worth something, otherwise we would make our own clothes. But what it’s worth is up to you. Mathematical equations won’t figure it out for you. JT The questio...
by an_asker
Fri Oct 06, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to convince my sister not to use a financial advisor
Replies: 59
Views: 3969

Re: Trying to convince my sister not to use a financial advisor

:oops: My sister has $100k to invest and has an appointment tomorrow to wrap up the paperwork with a financial advisor who promised her a portfolio of Vanguard ETFs that he will balance for her, for a small fee of 1.4%! I told her to run and just open up an account herself on Vanguard and do it her...
by an_asker
Fri Oct 06, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity: can no longer use first initial, middle name
Replies: 30
Views: 2516

Re: Fidelity: can no longer use first initial, middle name

Speaking of US cultural assumptions about names, I remember reading something somewhere, a letter to the editor or a comment on a news story, something like that, complaining that referring to then-current UN Secretary General Ban Ki-moon as Ban was disrespectful, because we should use his last nam...
by an_asker
Fri Oct 06, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity: can no longer use first initial, middle name
Replies: 30
Views: 2516

Re: Fidelity: can no longer use first initial, middle name

[...]For heaven's sake! This is 2017! My smartphone has eight giga bytes of storage. We can afford to store peoples' full names, however long and complex, and we can write code to store the names in the form preferred by the people whose names they are. And however it is stored, in the USA, you wil...
by an_asker
Fri Oct 06, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: Weeklong vacation Thanksgiving
Replies: 13
Views: 1130

Re: Weeklong vacation Thanksgiving

Hello BHs: Any suggestions for vacation places from Dallas, Tx for 5-7 days with the exception of Florida and California. Been there few times. Family with 3 kids from ages between 1-8. Air travel or road travel both ok. Budget without airflights- $2k-$3k for hotels, activities, etc.. Thanks in adv...
by an_asker
Fri Oct 06, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Health insurance gamble?
Replies: 24
Views: 2001

Re: Health insurance gamble?

The only gamble you are taking is if a catastrophe occurs and nobody can handle activating the insurance within the 60 day time period. You really can have an expensive surgery tomorrow and sign up for Cobra on Thanksgiving and be covered. My husband played this gamble once. He did not use the insu...
by an_asker
Thu Oct 05, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3787

Re: How do you value your time?

I'm the kind of person who parks a mile away to avoid paying $20 for parking. I recently got married so this behavior is creating a lot of conflict. My spouse believes in "paying for convenience". I need help in how to value my time so I can find some common ground with my spouse. If I take my annu...
by an_asker
Thu Oct 05, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Driving from Boise to Missoula: Best Route?
Replies: 11
Views: 798

Re: Driving from Boise to Missoula: Best Route?

Sorry to hijack the thread ... how is that area as far as deer are concerned? I know they're likely to be a nuisance probably in the summer, not right now, but I was wondering if they do wander out on to the roads in Idaho/Montana as well? And when is the best time for fall colors (now is probably t...
by an_asker
Thu Oct 05, 2017 10:34 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3787

Re: How do you value your time?

I'm the kind of person who parks a mile away to avoid paying $20 for parking.[...] You know what would be really ironic? If you paid $20 to park a mile closer, then spent $20 to join a gym and walk that mile on a treadmill (in optimal AC environment, no less)! :oops: PS: BTW, logic notwithstanding,...
by an_asker
Thu Oct 05, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3787

Re: How do you value your time?

I'm the kind of person who parks a mile away to avoid paying $20 for parking. I recently got married so this behavior is creating a lot of conflict. My spouse believes in "paying for convenience". I need help in how to value my time so I can find some common ground with my spouse. So what is the va...
by an_asker
Thu Oct 05, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Retirees, how and how much do you pay for health insurance?
Replies: 33
Views: 3955

Retirees, how and how much do you pay for health insurance?

It just struck me that I have never had a good feel for how much health insurance costs in retirement. I have vaguely heard of Medicare, Medicaid, etc, but don't know how those impact the health insurance premiums. So, let me ask these questions for retirees: - how do you pay for health insurance? I...
by an_asker
Thu Oct 05, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: Travel camera reviews of what you own and why?
Replies: 25
Views: 1568

Re: Travel camera reviews of what you own and why?

Queries on travel camera and "point n shoot" advice often come up. Perhaps a comparison review of what we use specifically for travel and why would help others. Question: What is your favorite travel camera(s) and why did you choose it? [...] We carry the following with us: Me: Canon XS510 - my mai...
by an_asker
Thu Oct 05, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Travel camera reviews of what you own and why?
Replies: 25
Views: 1568

Re: Travel camera reviews of what you own and why?

Thanks sandtrap and POF! I will need a few re-reads to understand and digest this information fully. But I am starting to understand ... and have more questions. Let me first understand the sensor: it is just that part of the camera's body that is sensitive to the image and can capture the image. Th...
by an_asker
Wed Oct 04, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Do you foresee a drop in housing prices in the next 5 years
Replies: 53
Views: 5329

Re: Do you foresee a drop in housing prices in the next 5 years

runner540 wrote:
Tue Oct 03, 2017 10:54 pm
Faisal,

Sorry that you got so much sarcasm about crystal balls.[...]
Whoops! :oops:

In my defense, I did not read the other replies before responding!
by an_asker
Wed Oct 04, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Do you foresee a drop in housing prices in the next 5 years
Replies: 53
Views: 5329

Re: Do you foresee a drop in housing prices in the next 5 years

As the title says do you foresee a drop in housing prices due to prices being too high for new potential home buyers being priced out of the market? Edit: To clarify I am not asking if there will be another housing market crash, but that a simple supply and demand issue where prices are too high fo...
by an_asker
Wed Oct 04, 2017 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: New Employer 401k Questions
Replies: 7
Views: 414

Re: New Employer 401k Questions

Emergency funds: $15k (four months of expenses) Debt: $168k mortgage - 3.875% $220k student loan - 7% (she has worked in the public sector for seven years, therefore this loan is due to be forgiven in three years; however, who knows if that will actually happen. With that said, we’ve come this far ...
by an_asker
Wed Oct 04, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Is an HSA required if one has HDHP?
Replies: 24
Views: 1415

Re: Is an HSA required if one has HDHP?

I am curious to see the final outcome, though it definitely is a 1% of the First World problem! I don't think many employers permit retired employees to even have the health insurance plan that they offer employees. That said, I wonder what use it is to you to be able to contribute to the HSA if you...
by an_asker
Wed Oct 04, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: Travel camera reviews of what you own and why?
Replies: 25
Views: 1568

Re: Travel camera reviews of what you own and why?

I travel with an Olympus micro four thirds mirrorless setup. I've got 2 EM-10 bodies and a few prime and zoom lenses. I used to have a Nikon DSLR system, but it was all so heavy and bulky. I'm very happy with my current Oly system and I get some great photos with it. Having 2 bodies keeps me from h...
by an_asker
Wed Oct 04, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Travel camera reviews of what you own and why?
Replies: 25
Views: 1568

Re: Travel camera reviews of what you own and why?

I travel with an Olympus micro four thirds mirrorless setup. I've got 2 EM-10 bodies and a few prime and zoom lenses. I used to have a Nikon DSLR system, but it was all so heavy and bulky. I'm very happy with my current Oly system and I get some great photos with it. Having 2 bodies keeps me from h...
by an_asker
Wed Oct 04, 2017 6:55 am
Forum: Investing - Help with Personal Investments
Topic: FA Offering Financial Instrument--Turn $90K into $360K
Replies: 18
Views: 1796

Re: FA Offering Financial Instrument--Turn $90K into $360K

A friend's financial adviser is offering a financial instrument--turning $90K into $360K in 14 years. Also with the deal, if any money is lost, 15% of losses will be refunded. Well, if you've got the offer correct, there doesn't appear to be a guarantee that your friend will earn 10% a year for 14 ...
by an_asker
Wed Oct 04, 2017 6:54 am
Forum: Investing - Help with Personal Investments
Topic: FA Offering Financial Instrument--Turn $90K into $360K
Replies: 18
Views: 1796

Re: FA Offering Financial Instrument--Turn $90K into $360K

I'll offer you an "investment" that will double every month, for 2 years. IF there is a "loss" (ahem), I will ever so gladly give you 15% of the "loss" back. Please sign here: ______________________ RM If you repay 15% of the original amount, you've held up your end of the bargain, right? :oops:
by an_asker
Tue Oct 03, 2017 10:11 am
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9151

Re: Buy on Really Bad Days, Sell on Really Good Days?

Yesterday was a good day in the Market for U.S. Investors, not so much for International investors, really good imho for Small Cap U.S. Investors. Since I had just done my monthly Net Worth calculation I was curious how much it improved yesterday, so I did a quick look at my accounts and was quite ...
by an_asker
Tue Oct 03, 2017 10:08 am
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9151

Re: Buy on Really Bad Days, Sell on Really Good Days?

flyingaway wrote:
Tue Oct 03, 2017 8:34 am
Can we start a new sub-forum entitled Good Permissible Market Timing Strategies for Bogleheads?
Modified it slightly ;-)
by an_asker
Mon Oct 02, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Contribute to both HSA and FSA in same year?
Replies: 16
Views: 1006

Re: Contribute to both HSA and FSA in same year?

Spirit Rider wrote:
Mon Oct 02, 2017 12:46 pm
an_asker wrote:
Mon Oct 02, 2017 12:33 pm
I am very clear, though, that the 2017 limit for HSA is $6,750 and it includes the employer's contribution.
They were referring to a contribution including the $1000 catch-up
I missed it - my bad!!
by an_asker
Mon Oct 02, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Contribute to both HSA and FSA in same year?
Replies: 16
Views: 1006

Re: Contribute to both HSA and FSA in same year?

I read the wiki regarding limited purpose FSAs, which sounds like this is the only type of FSA one can have in the same calendar year as an HSA. To date, our FSA was not referred to as a "limited purposes" FSA. Our 2017 FSA now has a zero balance. As of October 1, 2017, can the employer re-classify...
by an_asker
Fri Sep 29, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Can I have 2 HSA accounts
Replies: 18
Views: 1677

Re: Can I have 2 HSA accounts

Thanks for all the corrections! [...] PS: Correct me if I am wrong, Spirit Rider, but because OP's wife started her HSA account only on 08/2017, the qualifying coverage date for her to contribute the $6,750 for the year 2017 is not 12/1/2017 but 12/1/2018! No, all HSA contribution considerations are...
by an_asker
Fri Sep 29, 2017 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Contribution Limits and Retirement Account Type - Please Clarify
Replies: 6
Views: 406

Re: Contribution Limits and Retirement Account Type - Please Clarify

After searching some old threads, I found similar questions. I just want to make sure that I am clear on what I understand about contribution limits. These are intended to be very general questions, please forgive me if I missed the obvious. Age 42, married, filing jointly, with an employer sponsor...
by an_asker
Fri Sep 29, 2017 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Can I have 2 HSA accounts
Replies: 18
Views: 1677

Re: Can I have 2 HSA accounts

I will try to clear up. So right now we are on my wifes plan which runs on school year starts Aug to July. We have HSA open that we chose to max out over even payments. We have a unexpected pregnancy so I want to take out another INS policy through my job that will run Jan-Dec which offers HSA and ...
by an_asker
Wed Sep 27, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Can I have 2 HSA accounts
Replies: 18
Views: 1677

Re: Can I have 2 HSA accounts

Thanks it all makes sense. My wifes employer doesn't offer any contribution and we choose to max out. But long story short have a Opps pregnancy now so i might enroll in my companys plan to help with costs since we chose HDP thinking will have no medical expenses. My employer does contribute 2k so ...