Search found 346 matches

by jbmitt
Sat Jan 19, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: Son moving to Denver from California
Replies: 38
Views: 2293

Re: Son moving to Denver from California

Watch for tire sales from Costco and Discount Tire. Denver has a TireRack warehouse near Stapleton to cut down on shipping. We have two cars with AWD and always have winter tires on one of our vehicles. We take the one car to the mountains and carpool in bad weather. Winter tires are generally the s...
by jbmitt
Wed Jan 16, 2019 11:18 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 847
Views: 43421

Re: John Bogle has died at age 89

Thank you for your contributions. RIP
by jbmitt
Wed Jan 16, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: How do I stop jeans from ripping in the thighs?
Replies: 70
Views: 4304

Re: How do I stop jeans from ripping in the thighs?

You may want to look at Levi’s 541. I believe they are a more athletic cut for people with larger thighs.
by jbmitt
Fri Jan 11, 2019 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Geico auto - used parts??
Replies: 26
Views: 1428

Re: Geico auto - used parts??

Any intermediary business does not operate for free. The individual is a insurance broker correct? Your business is a % of his income. You want to save money? ? Do it yourself, as you are attempting. It requires reading policies for accurate, concrete, etched in stone, black & white facts. This isn...
by jbmitt
Fri Jan 11, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Geico auto - used parts??
Replies: 26
Views: 1428

Re: Geico auto - used parts??

A car is used as soon as it’s titled. Most carriers allow used and aftermarket parts after so many model years or miles. The part still has to fit and function correctly. ISO refers to Insurance Services Office and is an organization along with AAIS that develops standardized insurance policy langua...
by jbmitt
Wed Dec 19, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental
Replies: 24
Views: 1989

Re: Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental

Jack FFR1846 wrote:
Tue Dec 18, 2018 7:32 pm
This is why I always:

A: Go through my own insurance agent

B: Use a recommended auto body shop (I've actually tried to find one not on my company's list without success....everyone is)
Your agent has very little to no influence in the claims process.
by jbmitt
Mon Dec 17, 2018 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: New attending (MD) 401k question
Replies: 2
Views: 232

Re: New attending (MD) 401k question

The 2019 401k limit is $19,000 across all jobs. You cannot max it out at one place and then contribute at the next. I'd get more information on the plan for your private practice. Roth accounts are good when you are in lower tax brackets, depending on your income it could make sense for 2019, but li...
by jbmitt
Thu Dec 13, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Is it a Five-Twenty-Nine or a Five-Two-Nine Plan
Replies: 29
Views: 1486

Re: Is it a Five-Twenty-Nine or a Five-Two-Nine Plan

Good question.

I appear to be the exception but I say
Five two nine
Four oh one kay
Four fifty-seven
Four oh three bee

I suspect my five two nine pronunciation has to do with having a phone number beginning with 523 as a child that I always spoke out each digit.
by jbmitt
Thu Dec 13, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Should this doctor pay damages for malpractice?
Replies: 23
Views: 2694

Re: Should this doctor pay damages for malpractice?

Many states have laws protecting medical providers from suits by folks that have been injured. Fairly sure malpractice is an acceptable cause of action in every state. For your education: Many states regulate suits brought against medical providers to discourage patients from bringing suit and to m...
by jbmitt
Wed Dec 12, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: New job, sales at Subaru
Replies: 62
Views: 7691

Re: New job, sales at Subaru

Don't drive potential customers crazy with follow up call after follow up call. I ended up buying my car from a sales woman who made little attempt to 'sell' me on a car. Rather just showed me around and answered questions if I had any. The rest of the time was spent just conversing over small-talk...
by jbmitt
Tue Dec 11, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Advise on how to deal with this insurance claim situation
Replies: 29
Views: 1457

Re: Advise on how to deal with this insurance claim situation

Except the cops often won’t respond to accidents on private property like many parking lots. Their investigation is entirely unrelated to insurer’s own liability investigation.
by jbmitt
Tue Dec 11, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Advise on how to deal with this insurance claim situation
Replies: 29
Views: 1457

Re: Advise on how to deal with this insurance claim situation

One thing adjusters will look for are the points of impact. Did your bumper contact the middle or back of the other car? That would suggest the other car was nearly cleared when your wife backed into it. Lengthwise damage on your bumper could suggest your wife was stationary. Get your insurance invo...
by jbmitt
Tue Dec 11, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Question on car leasing
Replies: 7
Views: 2120

Re: Question on car leasing

Many people recommend against putting money down on a lease. For example, if the car is totaled, you are out the money that the gap coverage would cover. I’d try to take the higher monthly payment, especially if I planned to buy it out. Financially speaking, it’s usually better to finance the car fr...
by jbmitt
Mon Nov 26, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Broken Sewer pipe - $10,000-$20,000 to fix
Replies: 58
Views: 6286

Re: Broken Sewer pipe - $10,000 to fix

by Rupert » Mon Nov 26, 2018 4:17 pm samsdad wrote: ↑Mon Nov 26, 2018 4:11 pm Wouldn’t this be covered by your homeowner’s policy? Not usually. HO typically only covers sewer line catastrophes if they're caused by a third party (e.g., neighbor or contractor) or an Act of God (e.g., fallen tree). Of...
by jbmitt
Fri Nov 23, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Networth to buy a dual turboprop aircraft?
Replies: 72
Views: 9253

Re: Networth to buy a dual turboprop aircraft?

Do you really need a twin engine turboprop? A Beechcraft King Air would be overkill if you’re just using it to visit family. I’m a fan of the DA-62, a light twin that sips Jet A.
by jbmitt
Mon Nov 19, 2018 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Forgot to file Municipal Income Tax
Replies: 14
Views: 1097

Re: Forgot to file Municipal Income Tax

RITA was terrible to deal with. The federal and state taxes were a breeze to deal with in comparison. I certainly do not miss the days of earning income in Ohio.

I’d also contact the CPA that handled your taxes and inquire as to how they will help fix the mistake.
by jbmitt
Thu Nov 15, 2018 12:31 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65268

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I just opened my account, completed the transfer paperwork, and dropped it in the mail. On a side note, Fidelity screwed up my spouse's transfer from OptumBank to her employer sponsored HSA. They asked for a copy of her prior account statement and it showed investments so they wouldn't transfer it, ...
by jbmitt
Sun Nov 11, 2018 8:52 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65268

Re: Elena

I hope this is true. I’ll roll my HSA funds over from Optum. I’m all for having fewer accounts to keep track of. I am also in Optum, with very expensive fund options. Is the provider not chosen for us by our employer, though? I always thought I was stuck with vendors because my employer pitches in ...
by jbmitt
Sun Nov 11, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65268

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I hope this is true. I’ll roll my HSA funds over from Optum. I’m all for having fewer accounts to keep track of.
by jbmitt
Sat Nov 10, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 3737

Re: International Travel during Maternity/Paternity

Worst idea ever. I would suggest staying home with your baby, then sending somebody else on the trip instead. At least then somebody will enjoy the trip, and your baby will be happier and safer. In all honesty you should have done the trip before you had a baby. This is one of the reasons people do...
by jbmitt
Tue Nov 06, 2018 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: auto accident
Replies: 4
Views: 889

Re: (My fault) auto accident

Another vote for getting a lawyer. Make sure someone is looking out for your best interests, especially since there is pending injury/medical claim.

I’d also remove the post.
by jbmitt
Mon Nov 05, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 112
Views: 9545

Re: What are you learning or studying?

bubbadog wrote:
Sat Nov 03, 2018 5:20 pm
Just finished a one week course to be a FAA Aviation Medical Examiner (AME).
Congrats! There aren’t many available where I live, and I have to go out of state to get a Class 1 medical. Glad to see people interested in offering the service.
by jbmitt
Tue Oct 30, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: Subaru Ascent owners out there?
Replies: 33
Views: 4637

Re: Subaru Ascent owners out there?

Frankly, it speaks to the reliability of the brand and how they won't honor their warranties, which I would find to be useful information regardless of model. It's not like I was ranting about a Toyota. No it doesn’t. You have one example, it could be a part of a trend or it could be a complete out...
by jbmitt
Mon Oct 15, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Comparison (Builder's Credit)
Replies: 3
Views: 309

Re: Mortgage Comparison (Builder's Credit)

It seems to me that you are trading money now ($8k in closing costs) for a higher interest rate for the duration of the loan. I’d ask yourself if you can afford the house, or if you are would be stretching it only because of the closing costs? I wouldn’t make a decision until you can see for yoursel...
by jbmitt
Sun Oct 14, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Using credit card rental car insurance
Replies: 14
Views: 1294

Re: Using credit card rental car insurance

Check to see if it is primary or secondary coverage. Primary means you do not have to submit a claim to your auto insurance company. If the renter in Italy has insurance in the United States, that’s a moot point, since a claim in Italy wouldn’t be submitted to their United States automobile insuran...
by jbmitt
Wed Oct 10, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Airline vs. non-airline travel card
Replies: 10
Views: 912

Re: Airline vs. non-airline travel card

Premier Silver status with United still requires 25,000 PQM or 30 PQS and $3,000. That would indicate to me that you travel or travelled enough at one time. I have two airline cards: Delta AMEX Gold and Chase United Explorer MileagePlus. I prefer the Delta card because I don't have to purchase my ai...
by jbmitt
Wed Oct 10, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Uninsured/underinsured insurance?
Replies: 14
Views: 612

Re: Uninsured/underinsured insurance?

Your health insurance will cover your medical bills. It will not cover your lost wages, any pain/suffering, and will not step in for the loss of a sense or a permanent injury. The medical bills are the small part of an injury for many people. Thank you for the explanation, what would the circumstan...
by jbmitt
Wed Oct 10, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Uninsured/underinsured insurance?
Replies: 14
Views: 612

Re: Uninsured/underinsured insurance?

1. No, you do not need comprehensive and collision to get it. 2. The property damage is the least important - but it would pay if an uninsured driver were at fault. 3. Collision and comprehensive do not cover injury. If an uninsured driver causes serious injury to you and/or passengers - that could...
by jbmitt
Wed Oct 10, 2018 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Uninsured/underinsured insurance?
Replies: 14
Views: 612

Re: Uninsured/underinsured insurance?

Underinsured is usually bodily injury (UIM). So if someone else is at fault, injures you, and has insufficient limits to make you whole, your insurance will step in. Determine whether this coverage is from dollar 1 or is offset by whatever coverage the at fault person has. Uninsured can be property ...
by jbmitt
Tue Oct 02, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 16000

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

[/quote] I would take Idaho and Iowa off your list unless you both have good jobs lined up before you move there. They both have relatively small populations so there may be limited job opportunities. Both could be fine if you have jobs lined up. [/quote] Are you serious? Those are two of the five l...
by jbmitt
Tue Oct 02, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 16000

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

That’s an interesting range of places. I’d suggest you look into the Des Moines, Iowa area. Unemployment is low, quality of life is good, taxes are higher than Texas but not awful. Politics are well.. you can look on your own. There are a number of financial service and insurance companies with call...
by jbmitt
Sat Sep 29, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Car accident, diminished value claim?
Replies: 18
Views: 1681

Re: Car accident, diminished value claim?

Georgia is the only state where DV is required, in other states it’s by negotiation. If your car is in otherwise good shape and no prior accidents, you may get more traction because it’s a M.B. Typically you need an ‘expert’ to substantiate your number. In my experience as adjuster, the DV claims we...
by jbmitt
Sun Sep 23, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 73
Views: 4873

Re: How to pay for upcoming medical / IVF expenses

I’ll preface this that DS is an ob/gyn and deals with this situation regularly and we’ve had close family go through IVF. Until you can pay cash for it, you can’t afford it. $20,000 is just the starting point. Be prepared to spend more ($30,000 - $50,000) than you think because once you start, you w...
by jbmitt
Sat Sep 22, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: When is it OK to not go through car insurance after you've been hit?
Replies: 17
Views: 1956

Re: When is it OK to not go through car insurance after you've been hit?

to avoid any potential awkwardness, it wouldn't hurt to take it to the dealer and get a quote. (A dealer will be sure to look for anything and everything that they can fix.) Then tell her how much it is to fix it. If she wants to give you a check on the spot, great. Otherwise, suggest that you both...
by jbmitt
Thu Sep 20, 2018 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Moving to Dallas, how to establish residency
Replies: 47
Views: 3047

Re: Moving to Dallas, how to establish residency

I moved to Texas from Ohio.. and then left after a year. While they’re is no income tax, they will get their money out of you via the water and utility districts if you purchase real estate. As I recall, the cost of vehicle registration and drivers licenses were comparable, but insurance costs skyro...
by jbmitt
Wed Sep 19, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Insurance slow to pay claims post accident - options?
Replies: 5
Views: 549

Re: Insurance slow to pay claims post accident - options?

It's an unusual kind of claim, so get from the adjuster who has probably not handled anything similar to the claims supervisor or the manager. Explain your frustrations, and set proper expectations. It also sounds like the amount of the claim probably exceeds the check authority of the primary adjus...
by jbmitt
Wed Sep 19, 2018 7:54 am
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5602

Re: State Farm nickel-and-diming me

The problem with the OP running it through his insurance now is that the other insurer has already seen it, done an estimate and has pictures. If his company decides to replace the bumper, the other one will say we already have an inspection that supports repair. Typically it will end in arbitration...
by jbmitt
Tue Sep 18, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5602

Re: State Farm nickel-and-diming me

Unfortunately, this is pretty common. Until the investing website with the same name appeared, betterment was commonly applied to things like tires, batteries, UPD (un-repaired prior damage). The premise is that they are bettering the condition of your car compared to it's condition prior to the acc...
by jbmitt
Wed Sep 12, 2018 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Flipping a home Resident Physician flipping a home while in debt? help me weigh my pros and cons
Replies: 21
Views: 1496

Re: Flipping a home Resident Physician flipping a home while in debt? help me weigh my pros and cons

Put your focus on your training. You career as a good doctor will be much more lucrative than as a first time flipper.
by jbmitt
Wed Sep 12, 2018 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 10636

Re: Massive Student Loan Debt - Fiancee

My first response is that you don’t deserve this woman if you can only focus on her as a balance sheet. My second thought is perhaps you should work to increase your income potential. If you’re committed to each other, you need to function as a team. What happens if you get hit by a bus and you have...
by jbmitt
Sun Sep 09, 2018 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Mold in house and insurance won't cover - options?
Replies: 29
Views: 3866

Re: Mold in house and insurance won't cover - options?

I wouldn't involve insurance, and might recommend trying to get an additional quotes if you can get them cheaply before that large of an outlay. Why not involve insurance? A letter from lawyer to the insurance may help get something. Why not pursue that? What’s your endgame with the insurance compa...
by jbmitt
Thu Sep 06, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to layer two umbrella insurance policies?
Replies: 12
Views: 1380

Re: Is it possible to layer two umbrella insurance policies?

You have mentioned that you have $1M of auto liability insurance. Is that the amount required by AAA for your umbrella policy? If the requirement is less than that ($500K seems usual) then it is a waste to pay for the added limit on your auto policy. Ralph The requirement is $500k. I don't quite fo...
by jbmitt
Thu Sep 06, 2018 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Is it possible to layer two umbrella insurance policies?
Replies: 12
Views: 1380

Re: Is it possible to layer two umbrella insurance policies?

Commercial exposures oftentimes have layers of coverage. It may not truly be an umbrella policy and more of an excess policy. Umbrella policies sometimes drop down and provide coverage that an underlying policy may not offer. Excess policies just cover from where they attach. They function very simi...
by jbmitt
Thu Sep 06, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: My recent experience with buying custom window blinds
Replies: 27
Views: 2996

Re: My recent experience with buying custom window blinds

We’ve done Graber cellular shades via Costco and the measuring and installation has been handled by a local blind company. Both times they mentioned that they offer other brands, but they can’t touch the Costco pricing.

We’ve been happy with the quality of the top down, cordless products.
by jbmitt
Wed Aug 29, 2018 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Recovering Property Manager Fees as part of insurance claim
Replies: 7
Views: 754

Re: Recovering Property Manager Fees as part of insurance claim

I’d tell them exactly what you replied. Explain how you feel like you didn’t get what you were owed last time. They’ve probably done a loss run or an ISO search and already know about it. It’s not tontheir favor to say anything. I’d expect a jury to be sympathetic to your cause. Filing suit is a way...
by jbmitt
Wed Aug 29, 2018 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Recovering Property Manager Fees as part of insurance claim
Replies: 7
Views: 754

Re: Recovering Property Manager Fees as part of insurance claim

I adjusted claims for a period of time. The property manager's costs are somewhat of a gray area on first party claim. They should be more payable under a liability claim. Did you have a tenant, did they have any damages? I'd explain that you are the owner but do not live in the property as it is re...
by jbmitt
Wed Aug 22, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Aftermarket auto-body parts
Replies: 14
Views: 598

Re: Aftermarket auto-body parts

You don’t typically see aftermarket doors. Maybe an aftermarket door skin. Most insurers won’t fool around with a non-manufacturer intrusion beam. When I was an auto adjuster, we typically wrote for used door assemblies if more than a door skin was needed. If it wasn’t available, we’d write for new ...
by jbmitt
Tue Jul 31, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Settle my claim or elevate issue
Replies: 18
Views: 1629

Re: Settle my claim or elevate issue

Insurance only covers what is specifically mentioned in the contract. That is why there is a contract. Except the OP isn’t likely a party to the insurance contract. He may have had a separate contract related to the shipping of his vehicle. The company who he hired to ship his car likely has insura...
by jbmitt
Tue Jul 31, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Settle my claim or elevate issue
Replies: 18
Views: 1629

Re: Settle my claim or elevate issue

Typically on a property damage claim, the compensation is for physical damages only. Lost wages, pain and suffering is more warranted if you are injured.

It’s annoying that you have to put the time in to get things fixed but thats not usually compensated.
by jbmitt
Mon Jul 30, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: need an outback, new, used or lease?
Replies: 29
Views: 2351

Re: need an outback, new, used or lease?

My dealer recommends oil changes at 3000 mile intervals, not the 6000 in the manual. Please don't get suckered into dealerships shortened maintenance intervals. Virtually all dealerships, regardless of make/model, suggest MORE maintenance than is recommended by the manufacturer. It is an easy way t...