Search found 559 matches

by hmw
Mon Nov 12, 2018 11:16 pm
Forum: Personal Consumer Issues
Topic: Help! yet aother PPO vs HDHP plan
Replies: 12
Views: 1087

Re: Help! yet aother PPO vs HDHP plan

Seems to me the less you pay overall the better, even if you hit the deductible later in the year. I use the coupon price and then, later in the year once I've hit the deductible because of other expenses, submit the receipts for reimbursement. I have thought about this. Sometimes the medication co...
by hmw
Mon Nov 12, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Help! yet aother PPO vs HDHP plan
Replies: 12
Views: 1087

Re: Help! yet aother PPO vs HDHP plan

Same thing with my employer, and I was going in the same direction UNTIL I LOOKED AT THE MEDICATION COVERAGE. PPO has the usual $10-$30 co-pays for meds, picking up the remainder of the costs. However, the HDHPs make you pay 100% of all medication costs until you meet the full (very high!) deductib...
by hmw
Mon Nov 12, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Help! yet aother PPO vs HDHP plan
Replies: 12
Views: 1087

Re: Help! yet aother PPO vs HDHP plan

OP here. Thanks for all your replies. I called HR this am and confirmed that there is an individual out of pocket maximum within a family plan. Our HDHP pays 80% of physician visits/labs etc after the deductible is met. We pay 10% of med cost before deductibles if the meds are for maintenance. I am ...
by hmw
Sun Nov 11, 2018 11:14 pm
Forum: Personal Consumer Issues
Topic: Prepaying for Rental Car - Availability Guaranteed?
Replies: 21
Views: 1143

Re: Prepaying for Rental Car - Availability Guaranteed?

I have never pre-paid. Quite often you will get a free upgrade because the class of vehicle you booked is not available.
by hmw
Sat Nov 10, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: Help! yet aother PPO vs HDHP plan
Replies: 12
Views: 1087

Help! yet aother PPO vs HDHP plan

It's time to enroll in my work place health insurance plan. We have always purchased the regular family PPO plans in the past. I have taken a closer look at the HDHP/HSA plan, and I think HDHP is a better deal. I just want to make sure that I am not missing anything and end up cost us more if we cho...
by hmw
Wed Oct 31, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: The most you ever paid for a prescription
Replies: 80
Views: 3538

Re: The most you ever paid for a prescription

Drug prices seem to be very arbitrary. DW takes two generic meds and she pays $10 copay per month for each med. We are considering moving to a HDHP next year. The HDHP requires one to pay 10% of med cost. So I called the drug management company contracted by the health insurance company to inquire a...
by hmw
Sun Oct 28, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401k for spouse with high income W2 husband
Replies: 8
Views: 612

Re: Solo 401k for spouse with high income W2 husband

We were in a similar situation a few years ago. DW ended up opening a solo 401k at Fidelity. It seems to be the best option.
by hmw
Sat Oct 27, 2018 1:08 am
Forum: Personal Finance (Not Investing)
Topic: Things to consider when relocating from Boston to Toronto
Replies: 28
Views: 2553

Re: Things to consider when relocating from Boston to Toronto

Years ago, visited Toronto many times. Much colder in winter than Boston. More snow as well. I lived in Toronto for 4 years, and in Massachusetts for 5 years. I don’t think Toronto is colder or have more snow than Boston. They are about the same. To OP Toronto is more diverse than Boston. Better et...
by hmw
Mon Oct 22, 2018 11:58 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25679

Re: PSA: Don't buy a big house

What stick? https://www.homedepot.com/p/Commercial-Electric-11-ft-Pole-Light-Bulb-Changer-Kit-with-Attachments-CE-600SDLB12/100354521?cm_mmc=SEM%7CG%7CBase-NE%7CD27L%7C27-1_LIGHT_BULBS%7CNA%7CNA%7CDSA%7CAll+l_DE1+ef66%7c71700000038816640%7c58700004243074627%7c39700035245912516%7c1263867506-55953433...
by hmw
Mon Oct 22, 2018 11:48 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 30224

Re: High End Wrist Watches (Gone Crazy)

Just curious, do you wear your expensive watches on a daily basis? Some minor scratches on the bracelet/case seem to be inevitable, and I assume it will negatively affect the value of the watch. Minor scratche don't have a big impact on the value of those watches. What will kill the value is sendin...
by hmw
Mon Oct 22, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 30224

Re: High End Wrist Watches (Gone Crazy)

You guys are missing out. I have been an avid watch collector and the value of my watches have been increasing at least 5-10% per year. You just have to buy the right brand and model. You make more money in this than putting into funds. This is a good way to enjoy watches and still make money out o...
by hmw
Sun Oct 21, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: Help with reattaching a wooden door knob
Replies: 6
Views: 476

Re: Help with reattaching a wooden door knob

The easiest thing is probably to just go to Lowe’s or Home Depot (or other hardware store) and get a larger screw. Remove the screw from a different knob and see if it fits. If so, take it with you and get the same size. Thanks for all the suggestions. I ended up going to Lowe's and bought a slight...
by hmw
Sun Oct 21, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 477
Views: 45222

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I tried to sign up for the promo today but I noticed that the new money has to be deposited by 10/31, not 11/5.
by hmw
Sun Oct 21, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Help with reattaching a wooden door knob
Replies: 6
Views: 476

Help with reattaching a wooden door knob

One of the wooden door knob on our pantry door has come off. The screw that secures the door knob appears to smaller than the hole inside the wooden door knob. Not sure how it was ever attached securely. Any suggestions? Take the wooden knob to home depot and see if I can buy a slightly larger screw...
by hmw
Sun Oct 21, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: 2 rental car reservations?
Replies: 23
Views: 1397

Re: 2 rental car reservations?

midareff wrote:
Sun Oct 21, 2018 11:21 am
I have a problem with it. Car rental companies plan the number of reservations they can take and while they have experience with dealing with "no shows", it just isn't an honorable way to book travel.
+1
by hmw
Sun Oct 21, 2018 12:03 am
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6049

Re: Pull kids from school for vacations?

We have a 7-year old in Grade two at a private school. We were told by his teacher that DS can be absent up to 10% of the school year. I get the feeling that there is some flexibility with the 10% number as long as the student is doing well academically. We took DS out of school 3 weeks last year an...
by hmw
Thu Oct 18, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: Car accident, diminished value claim?
Replies: 18
Views: 1595

Re: Car accident, diminished value claim?

OP here. I think the first Geico agent who told DW that all claims must go through them either didn't know what he/she was doing, or was BSing. DW called Geico again today and talked to another agent. DW explained our situation. DW was told that there is no need to make all our claims with Geico. Ge...
by hmw
Wed Oct 17, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: Car accident, diminished value claim?
Replies: 18
Views: 1595

Re: Car accident, diminished value claim?

OP here. We ended up making the claim with our own insurance company, AMICA, and planned to make the dimished value claim with Geico separately. AMICA sent their damage appraiser and sent us a check for the repair. The repair is scheduled to be done next week. My wife called Geico today and asked ab...
by hmw
Sat Oct 13, 2018 1:29 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2001
Views: 372498

Re: What are you up YTD? [Year To Date]

After a rough week, my ytd return is 3.3%. 85/15 stock to bond.
by hmw
Sun Oct 07, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Income (US vs Europe)
Replies: 55
Views: 3787

Re: Income (US vs Europe)

I don't know about continental Europe, but I know MDs in UK are paid significantly less than their US counterparts. I knew some British trainees doing fellowships here and they told me that they would make about 100k pounds per year after they return home. That was about 10 years ago. Their US count...
by hmw
Sun Oct 07, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 6603

Re: Best deals to buy iphones

This will not be applicable to most people. My wife just bought the latest iPhone at a discount. One of her relatives works for Apple. He can buy apple products at "friends and family" price at a 10% discount.
by hmw
Sat Oct 06, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9917

Re: What is your annual cost for health insurance?

We have a family PPO plan from work.

I pay $800/month, and my employer pays about $1200/month.

Individual/family deductibles are $1500/$3000. Outpocket maxiums are 4K/8k for individual and family.
by hmw
Sat Oct 06, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9917

Re: What is your annual cost for health insurance?

Man, 20k premiums make me wonder if it is better just to take the risk, save $20k/year, and then pay the uninsured rates at hospitals. I don't have the numbers handy, but at somepoint you have to do the cost/benifit analysis. I'd be curious if someone actually had the numbers handy? 20k will pay fo...
by hmw
Tue Oct 02, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: Shows in Las Vegas for 6 and 8 year old
Replies: 23
Views: 1595

Re: Shows in Las Vegas for 6 and 8 year old

nocturne wrote:
Tue Oct 02, 2018 12:45 pm
+1 for the Mac King show at Harrah’s! Ask at the players club booth for a coupon for this show. It’s probably the best value entertainment in all of LV.
+1. My 7-year old son went to the Mac King show two years in a row. He really enjoyed it.
by hmw
Mon Oct 01, 2018 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 62
Views: 10950

Re: Anyone want to share their monthly budget? Here's ours

We don't budget and I don't keep track spending based on categories. We are a family of 3, and spent about 180k per year, or 15k per month after tax. Some the fixed monthly expenses are: Mortgage: $2400 Property tax: $750 auto insurance: $120 umbrella insurance: $25 home owner insurance: $200 water ...
by hmw
Mon Oct 01, 2018 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Salary negotiation: saying a number first on purpose?
Replies: 43
Views: 4029

Re: Salary negotiation: saying a number first on purpose?

Before getting on an airplane to interview, you should absolutely know at least a ballpark of what the position pays. Pay specific attention to base vs bonus. I've worked for a number of companies who cite an "up to" bonus number and when in the job, find that nobody in history has ever received mo...
by hmw
Mon Oct 01, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 314
Views: 34287

Re: Concierge medicine Worth It????

My last doctor went with MDVIP and I tried it. Stuck it out for about 1 year. I found it wasn't worth the cost. On my own and before the MDVIP change, I made huge lifestyle changes. I had a number of health issues and resolved them all - took a few years but did it. The doctor was a bit in disbelie...
by hmw
Sun Sep 30, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Health insurance in Canada for An American Visitor
Replies: 19
Views: 1317

Re: health insurance in Canada

One Ping wrote:
Sun Sep 30, 2018 12:30 pm
hmw wrote:
Sun Sep 30, 2018 12:12 pm
But many health plans in the US will not cover medical cost incurred outside of US, even if it is an emergency.
Does Medicare + Medicare Supplemental policy cover you on visits to Canada?
I don’t think so.
by hmw
Sun Sep 30, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Health insurance in Canada for An American Visitor
Replies: 19
Views: 1317

Re: health insurance in Canada

We are in Seattle (thanks for all the suggestions) and had one of the best seafood dinners EVER. (Pike Chowder House) -- now we are going in a few days to Vancouver -- as a US Citizen with a high deductible policy, do I need Canadian health insurance for 5 days? How expensive ($50, $500 ?) She is C...
by hmw
Sun Sep 30, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Health insurance in Canada for An American Visitor
Replies: 19
Views: 1317

Re: Health insurance in Canada for An American Visitor

We are in Seattle (thanks for all the suggestions) and had one of the best seafood dinners EVER. (Pike Chowder House) -- now we are going in a few days to Vancouver -- as a US Citizen with a high deductible policy, do I need Canadian health insurance for 5 days? How expensive ($50, $500 ?) She is C...
by hmw
Sun Sep 30, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Car accident, diminished value claim?
Replies: 18
Views: 1595

Re: Car accident, diminished value claim?

Thanks for all the advice. I will forward them to my wife and get the process started.
by hmw
Sun Sep 30, 2018 11:33 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2001
Views: 372498

Re: What are you up YTD? [Year To Date]

9.1% ytd.
by hmw
Thu Sep 27, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: Car accident, diminished value claim?
Replies: 18
Views: 1595

Car accident, diminished value claim?

My wife was rear ended this am by another vehicle. Luckily no injury. There was quite a bit of damage in her rear bumper. Not sure if there is any stuctural damage. Her car is a 2015 Mercedes ML350. Our auto insurance company is Amica and the other driver's insurance company is Geico. My wife talked...
by hmw
Thu Sep 27, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: 529 for Private Elementary School? Minimize capital gains?
Replies: 11
Views: 1180

Re: 529 for Private Elementary School? Minimize capital gains?

I am doing exactly that. Took out 9k out this year for my son’s private elementary school, then put additional 9k contribution back into his 529. This has the effect of increasing the basis in case of over contribution. As you approach the start of college and if you are uncertain if the entire 529...
by hmw
Thu Sep 27, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: 529 for Private Elementary School? Minimize capital gains?
Replies: 11
Views: 1180

Re: 529 for Private Elementary School? Minimize capital gains?

There is little time for growth if using a 529 for K-12. Probably the largest benefit comes if you can deduct your contributions from your income on your state income tax return. I'm wondering if when taking a distribution, is it FIFO so that your growth is pulled off? My goal would be to have less...
by hmw
Tue Sep 25, 2018 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: 529 for Private Elementary School? Minimize capital gains?
Replies: 11
Views: 1180

Re: 529 for Private Elementary School? Minimize capital gains?

I am doing exactly that. Took out 9k out this year for my son’s private elementary school, then put additional 9k contribution back into his 529. This has the effect of increasing the basis in case of over contribution.
by hmw
Tue Sep 25, 2018 10:43 pm
Forum: Personal Consumer Issues
Topic: Which type of Primary Care Physician?
Replies: 54
Views: 4236

Re: Which type of Primary Care Physician?

I would go with an internist. I am a MD, but not a primary care physician.
by hmw
Sat Sep 22, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: Can salt water kill weeds permanently?
Replies: 18
Views: 2916

Can salt water kill weeds permanently?

Our front yard is mostly gravel. There is a tarp like material at the bottom of the gravel. The weeds problem is getting worse over the years. I used to just pull the weeds out but the weeds have developed extensive roots under the tarp and they grew back quickly. I have also tried Roundup with medi...
by hmw
Wed Sep 19, 2018 10:56 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25532

Re: What is your single most expensive mistake?

When I was in my 20’s, I shorted a small oil field service company based on a tip from a relative. But the oil price kept going up and the company stock went up as well. I covered my position and lost about 10k. The company declared bankruptcy a few years later. :annoyed
by hmw
Sun Sep 16, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 157
Views: 13196

Re: Considering Quitting Job - Seeking Advice. Would you do it?

Question for OP,

How much money is enough? 15 million? 20?
by hmw
Sun Sep 16, 2018 12:11 pm
Forum: Investing - Theory, News & General
Topic: Alternative investments - Art, memorabilia, artifacts, antiques
Replies: 17
Views: 1227

Re: Alternative investments - Art, memorabilia, artifacts, antiques

I am not a collector but I watch “Antique Road Show” occasionally. 😀

It is not a common to hear the appraiser say that the market for such and such has softened lately. An item was worth 50k several years ago, now is worth only 30k. More volatile than the stock market.
by hmw
Sun Sep 16, 2018 12:00 pm
Forum: Investing - Theory, News & General
Topic: total bond return vs muni bond
Replies: 6
Views: 782

Re: total bond return vs muni bond

Credit risk premium? Particularly over the time indicated. The current ten-year period started in September 2008, when Treasury yields were unusually low compared to other bond yields because of the financial crisis. MUB lost 12% of its value in one month, while Total Bond Market, which holds a lot...
by hmw
Sat Sep 15, 2018 2:54 pm
Forum: Investing - Theory, News & General
Topic: total bond return vs muni bond
Replies: 6
Views: 782

total bond return vs muni bond

I have always been under the impression that muni bond returns would be less than that of total bonds given its favorable tax treatment. I own MUNI bond ETF (MUB) in my taxable account. I was looking up the difference in return today on Morningstar. I am surprised to find that MUB actually had bette...
by hmw
Mon Sep 10, 2018 6:52 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 89
Views: 7584

Re: Amazon Prime - Value?

I noticed it too. I ordered a book on Amazon recently. Placed the order on Monday, and the estimated arrival was Friday and it did arrive on Friday. The book order was clearly “prime”. I wasn’t in a hurry and didn’t bother contacting Amazon to find out why it was not 2 days. I feel that we still get...
by hmw
Sat Sep 08, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Your Favorite [Travel Destination] on Earth: Where and Why?
Replies: 155
Views: 16673

Re: Your Favorite [Travel Destination] on Earth: Where and Why?

El Nido Resorts, Pangulasian, Palawan, Philippines

Best beach resort I have been to.
by hmw
Fri Sep 07, 2018 11:06 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 5917

Re: Subaru: Crosstrek or Outback?

Outback owner here. I haven’t found that it Is hard to park because of its size. Around where I live, everyone seems to drive something bigger than my outback.
by hmw
Mon Sep 03, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4836

Re: How much do you spend on kids extracurriculars?

I just asked DW about the expenses. Here are what we spent on our 7-year old. Piano lessons: $100/month Swimming: $80/month Arts: $106/month including supplies. There are also a one time art show/year which cost about $200. So about $400/month during school year. There some also other expenses like ...
by hmw
Mon Aug 27, 2018 11:47 pm
Forum: Personal Consumer Issues
Topic: Planning for an Indian wedding In NY/ NH area.
Replies: 96
Views: 5651

Re: Planning for an Indian wedding In NY/ NH area.

KlangFool, In the area of interpersonal relationships it is often not sufficient to reduce things to exclusive multiple-choice decisions which all logical humans will happily complete and arrive at the "correct" decision. As Thaler is fond of saying, humans are not so-called "Econs", those enviable...
by hmw
Mon Aug 27, 2018 11:31 pm
Forum: Personal Consumer Issues
Topic: Planning for an Indian wedding In NY/ NH area.
Replies: 96
Views: 5651

Re: Planning for an Indian wedding In NY/ NH area.

I echo one previous post that $15 to 20k is not going to cover a 300-400 person 3-day wedding. My wife and I got married about 10 years ago. We had about 120 guests, and it was a one-day wedding. We tried to control costs. I.e. definitely not lavish. It cost me about $35k. One close friend spent 80k...
by hmw
Mon Aug 27, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: How often do you change your HVAC filters?
Replies: 57
Views: 3229

Re: How often do you change your HVAC filters?

3 months, if I remember.