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Post by Deleted on Mar 16, 2015 9:08:38 GMT -5
That would drive me crazy (bank fees, that is). I have a local bank that reimburses ATM fees at the end of each month.
We had TD bank, they don't Actually they tackle on an extra $3 on top of the ATM fee. go buy something and get cash back with your debit card.
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Cookies Galore
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Post by Cookies Galore on Mar 16, 2015 9:15:35 GMT -5
We had TD bank, they don't Actually they tackle on an extra $3 on top of the ATM fee. go buy something and get cash back with your debit card. I buy our groceries with my debit card so I can take out my weekly cash (yes, I actually use cash for some things). We also, luckily, have Wawa around here. They have free ATMs and my bank doesn't charge to use their ATM.
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Post by Deleted on Mar 16, 2015 9:18:28 GMT -5
That would drive me crazy (bank fees, that is). I have a local bank that reimburses ATM fees at the end of each month.
It's why I dumped Wells Fargo. My credit union doesn't charge anything to use the ATM and reimburses up to $20/month on any fees the ATM might charge so the few times I need to use one I can go anywhere and not worry about paying anything.
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TheHaitian
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Post by TheHaitian on Mar 16, 2015 9:24:20 GMT -5
We had TD bank, they don't Actually they tackle on an extra $3 on top of the ATM fee. go buy something and get cash back with your debit card. That is why I take $50/week out every time I go grocery shopping
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Angel!
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Post by Angel! on Mar 16, 2015 10:29:39 GMT -5
His insurance is still fighting it out with my health insurance ... In the meantime "I" am getting the bills for the OOP expenses so paid them. My wife filled out my insurance information when I was in the hospital and they billed them. Now they are going after his insurance for reimbursement. We were 4 in the car so we will see how it all plays out. Why would my car insurance cover it? I wasn't driving... no, you should not be paying ANY OOP expenses. his insurance PIP (or maybe your PIP) should pay the first whatever amount (normally $5000) then your health insurance kicks in and you should be getting his car insurance to cover your OOP costs. Is this always the case? I know I've opted out of medical coverage from my car insurance. But I don't know if that just opts me out as the driver or also opts out all passengers in the car as well.
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swamp
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Post by swamp on Mar 16, 2015 10:35:20 GMT -5
I didn't even tell my mother till 2 weeks after the surgery and that was because my wife accidentally told her. She has been crying since then every time she talks to me which is why I did not want to tell her at all in the first place CALL YOUR MOTHER WHEN YOU ALMOST DIE!
If you were my child, I would kill you.
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swamp
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Post by swamp on Mar 16, 2015 10:40:51 GMT -5
CALL YOUR MOTHER WHEN YOU ALMOST DIE! Why? All it would have done is stress her out which it obviously did. Then she called all my aunts and uncles and they all got upset and I had 3 aunts calling me crying and some cousin. I was ok, at home and cozy; did not see the need to tell her. If I had complications and actually was going to die yeah I would have told my wife to call her. I know my mom: she doesn't handle stressful situation or life/death situation well... Hence still crying every time she talks to me more than a month after the incident. isn't your mom a nursing home administrator?
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Post by Deleted on Mar 16, 2015 10:44:05 GMT -5
no, you should not be paying ANY OOP expenses. his insurance PIP (or maybe your PIP) should pay the first whatever amount (normally $5000) then your health insurance kicks in and you should be getting his car insurance to cover your OOP costs. Is this always the case? I know I've opted out of medical coverage from my car insurance. But I don't know if that just opts me out as the driver or also opts out all passengers in the car as well. not sure. but I do know that if I'm a passenger in someone else's car and there's an at-fault accident, I'm not paying any money out of my pocket to make me whole so either it's covered by their PIP or I sue their insurance company. I can't imagine opting out of PIP - I never ever knew if was an option....and I just checked, in MD it's not optional for at least partial, which includes your passengers - you can opt out for yourself and family members.
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Post by Deleted on Mar 16, 2015 10:50:15 GMT -5
no, you should not be paying ANY OOP expenses. his insurance PIP (or maybe your PIP) should pay the first whatever amount (normally $5000) then your health insurance kicks in and you should be getting his car insurance to cover your OOP costs. Is this always the case? I know I've opted out of medical coverage from my car insurance. But I don't know if that just opts me out as the driver or also opts out all passengers in the car as well. I thought liability for others was mandatory in every state? Of course, some people can have super low limits like 50/100. One accident with two seriously injured would max that out pretty damn fast.
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ArchietheDragon
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Post by ArchietheDragon on Mar 16, 2015 10:51:36 GMT -5
Is this always the case? I know I've opted out of medical coverage from my car insurance. But I don't know if that just opts me out as the driver or also opts out all passengers in the car as well. I thought liability for others was mandatory in every state? Of course, some people can have super low limits like 50/100. One accident with two seriously injured would max that out pretty damn fast. Massachusetts minimums are 20/40.
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Post by Deleted on Mar 16, 2015 10:51:44 GMT -5
And once again, Carl, I cannot freaking believe you left us out of this! We should have been advising you from day one!
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Post by Deleted on Mar 16, 2015 10:51:57 GMT -5
I thought liability for others was mandatory in every state? Of course, some people can have super low limits like 50/100. One accident with two seriously injured would max that out pretty damn fast. Massachusetts minimums are 20/40.
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mmhmm
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Post by mmhmm on Mar 16, 2015 11:03:51 GMT -5
You could post your budget. We would be happy to make suggestions on what can be cut I don't have a budget
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Angel!
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Post by Angel! on Mar 16, 2015 11:07:53 GMT -5
Is this always the case? I know I've opted out of medical coverage from my car insurance. But I don't know if that just opts me out as the driver or also opts out all passengers in the car as well. I thought liability for others was mandatory in every state? Of course, some people can have super low limits like 50/100. One accident with two seriously injured would max that out pretty damn fast. Ok I looked it up. I opted out of something called Medical Payments Coverage which is only for $5K. It covers the first $5K in medical bills for driver/passengers regardless of who is at fault. I opted out when discussing it with my insurance agent who said I didn't need it based on my medical coverage & deductibles.
I have no idea how this differs from Bodily Injury coverage which my states mins are 25/50, but I have 100/300. I think it allows immediate coverage of the type of medical bills carl is paying without having to wait for insurance companies to hash out who was at fault & who owes what.
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Post by Deleted on Mar 16, 2015 11:10:54 GMT -5
I thought liability for others was mandatory in every state? Of course, some people can have super low limits like 50/100. One accident with two seriously injured would max that out pretty damn fast. Ok I looked it up. I opted out of something called Medical Payments Coverage which is only for $5K. It covers the first $5K in medical bills for driver/passengers regardless of who is at fault. I opted out when discussing it with my insurance agent who said I didn't need it based on my medical coverage & deductibles.
I have no idea how this differs from Bodily Injury coverage which my states mins are 25/50, but I have 100/300. I think it allows immediate coverage of the type of medical bills carl is paying without having to wait for insurance companies to hash out who was at fault & who owes what.
bodily injury, I believe, is what another driver can sue you for in an at-fault accident. although I guess passengers can also sue you. I actually just asked my insurance agent to drop my PIP to just cover other people in my car since the rest of us have medical coverage.
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NancysSummerSip
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Post by NancysSummerSip on Mar 16, 2015 11:51:41 GMT -5
CALL YOUR MOTHER WHEN YOU ALMOST DIE!
If you were my child, I would kill you.
Well, I'd give him a hug first. Then I'd kill him. Sometimes parents (well, people in general) don't handle this stuff well. The "what-ifs, coulda beens, maybes" keep popping up and they go on imagining the worst, long after the incident has passed. It would be easy enough to remind Mama Carl that her baby boy is a tough cookie and tell her to get a grip; that he's fine. It's another thing for her to get to that point, I guess. When it comes to your kids, regardless of their age (or yours), you never stop worrying or caring. I used to think the same way Carl did. Heck, I had major surgery and did not tell my mom until after it was over. And she wasn't even the panicky, crying kind.
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Post by The Walk of the Penguin Mich on Mar 16, 2015 12:42:22 GMT -5
If you were my child, I would kill you.
Well, I'd give him a hug first. Then I'd kill him. Sometimes parents (well, people in general) don't handle this stuff well. The "what-ifs, coulda beens, maybes" keep popping up and they go on imagining the worst, long after the incident has passed. It would be easy enough to remind Mama Carl that her baby boy is a tough cookie and tell her to get a grip; that he's fine. It's another thing for her to get to that point, I guess. When it comes to your kids, regardless of their age (or yours), you never stop worrying or caring. I used to think the same way Carl did. Heck, I had major surgery and did not tell my mom until after it was over. And she wasn't even the panicky, crying kind. It does work the opposite way too. My mom was going in for cancer surgery and I found out when I called home from London, during a research meeting. I was PISSED that she didn't bother to tell me, but 'she didn't want me to worry'. Believe me, my brain went through the same sort of coulda, woulda, shoulda's that a parent's do!
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Post by Deleted on Mar 16, 2015 12:43:46 GMT -5
Yeah, true that. Oh, they just want me to come back for some testing... turned out to be... well, my internal organs were shutting down... So, what do I believe next time you tell me you just have to go in for a test?
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kittensaver
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Post by kittensaver on Mar 16, 2015 12:47:11 GMT -5
Well, I'd give him a hug first. Then I'd kill him. Sometimes parents (well, people in general) don't handle this stuff well. The "what-ifs, coulda beens, maybes" keep popping up and they go on imagining the worst, long after the incident has passed. It would be easy enough to remind Mama Carl that her baby boy is a tough cookie and tell her to get a grip; that he's fine. It's another thing for her to get to that point, I guess. When it comes to your kids, regardless of their age (or yours), you never stop worrying or caring. I used to think the same way Carl did. Heck, I had major surgery and did not tell my mom until after it was over. And she wasn't even the panicky, crying kind. It does work the opposite way too. My mom was going in for cancer surgery and I found out when I called home from London, during a research meeting. I was PISSED that she didn't bother to tell me, but 'she didn't want me to worry'. Believe me, my brain went through the same sort of coulda, woulda, shoulda's that a parent's do! Me too! I came home from vacation last August to the news that my 91 year old mother had undergone a lumpectomy for Stage 3 breast cancer. She "didn't want to worry me" ! ! !
THEN she tells me this is the - get this! - SIXTH bout of cancer she has had in her life! WTF? ? ? (skin, bladder and now breast cancer).
I was so mad I couldn't see straight. But it's just the way her brain is wired from an old world Victorian/Edwardian upbringing to not want to "worry" me. Plus "polite" people don't talk out loud about sensitive stuff life medical conditions. Ah, the old generation . . .
Yes, it definitely cuts both ways.
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NancysSummerSip
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Post by NancysSummerSip on Mar 16, 2015 13:07:40 GMT -5
This is true. It does go both ways. I had it happen, though in my case, it was funnier that most. My mother decided to have a face lift without telling me. She knew I'd be against it, not because of the procedure itself, but because of her overall health and the issues with it and her undergoing an elective procedure under anesthesia at her age. She figured I'd protest because I didn't want her to look younger. In the end, she went ahead anyway, and sadly, only got to enjoy the new look for a year.
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zibazinski
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Post by zibazinski on Mar 16, 2015 15:14:54 GMT -5
I can't believe we know about your wife's purse and not that you were hurt.
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Post by Deleted on Mar 16, 2015 16:48:15 GMT -5
My mom was going in for cancer surgery and I found out when I called home from London, during a research meeting. I was PISSED that she didn't bother to tell me, but 'she didn't want me to worry'. Believe me, my brain went through the same sort of coulda, woulda, shoulda's that a parent's do! I had to laugh; yes, that's how mothers are. Last month Dad called each of us in turn and told us Mom was in the hospital with pneumonia. He'd had a hip replacement the week before (both are in their early 80s) and was recovering remarkably well but when he saw how sick Mom was he told her to call an ambulance; he couldn't drive yet. On her way out the door her last words to him were, "don't tell the kids". (The kids in question range from age 55 to 62.) Fortunately she was in the hospital only overnight and my brother, who lives a few hours away, was able to look in on them, wait in line for prescriptions, and keep the rest of us informed. I am SO glad Dad kept us informed anyway. Haitian, thanks for letting us know- I'm glad you're going to be OK.
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Opti
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Post by Opti on Mar 16, 2015 17:12:48 GMT -5
I lived, and supported two young 20 somethings last year, and the year before, on less than 10K. If you can't manage to support 3 people on $110K+ a year, you have a serious issue. And, I noticed today that the US has closed our embassy in Saudi. That should cancel that trip and save you cash! except you didn't have to pay a mortgage on that amount. move to where Carl lives and support everyone on $10k and then report back. Much is dependent on where you live, your starting conditions, rent/mortgage possibilities, tax breaks etc. I'd need affordable housing to support just myself on less than $10K/yr. here in NJ.
Not sure if it needs to be said, but it appears he can support 3 people on their two salaries. He just might not enjoy it the way he enjoys living as a couple.
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Opti
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Post by Opti on Mar 16, 2015 17:25:13 GMT -5
It's coming. That one is near the end. So, is this accident what prompted the getting a new car thread? My car is still intact, my friends car is totaled though. His insurance is covering it, he already got a check. He got out without a scratch... What is up with that? The driver always come out one piece. I think its because of how a driver is going to react in a bad driving situation. When you don't have much time to react, your brain is going to take over and remember where you are and protect you. I think it takes conscious choices, luck and good driving to choose otherwise. iven
Many years ago I could have been in an accident and I remember having to choose whether to slide right or left with the car. I knew I couldn't prevent the slide, I only had the choice whether to stick with it or try the opposite direction. I remember wondering if kicking right would be smart given my sib was on that side and I had less room. Luckily I did not choose that as I probably would have been unable to avoid the guard rail. However, choosing to slide to my side left me facing the wrong way looking up a crowded ramp. Oh and it was one of those nice curved ones. No damage, no accident, but it took a long time to get a driver or two willing to let me turn around and proceed down the ramp. I was blessed to have enough time to make the choice, but I know it doesn't work out that way all the time. (Exhibit A and B, deer...)
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Opti
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Post by Opti on Mar 16, 2015 17:28:11 GMT -5
Glad you are ok. These are the kind of costs you should not fret about, though. When everyone and their mother are sending you a bill, you kinda fret. I am surprised I did not get a bill from the janitor that cleaned the operating room. ETA: My mom keeps saying there isn't enough money in the world to add up to the value of my life... Yeah she should see what the medical bills would have been if I didn't have insurance. Can you say "bankruptcy"!
But I am grateful to be here; the bills should be all paid off soon, Yes. Grand total over five figures or less?
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Post by The Walk of the Penguin Mich on Mar 16, 2015 17:51:49 GMT -5
Is it even possible to go the hospital these days, for anything at all, and get a bill under five figures? Maybe if they don't admit you, but if you're there for anything even remotely serious the bills all seem to start at $10k and go up from there. What the hospital bill is, and what you pay are 2 different things. I've seen 4 x 6 figure hospital bills in one year, but I still only owed my max OOP costs.
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Opti
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Post by Opti on Mar 16, 2015 18:15:37 GMT -5
Yes page 7.
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ArchietheDragon
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Post by ArchietheDragon on Mar 16, 2015 19:30:20 GMT -5
4 x 6 = 24, substitute the total for the equation "I've seen 24 figure hospital bills in one year." Holy shitballs! $100,000,000,000,000,000,000,000. They billed you a hundred sextillion dollars? You should dispute that. It's crazy. Try to settle for a couple trillion or something. Who ever said you couldn't do math?
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Post by The Walk of the Penguin Mich on Mar 16, 2015 21:55:34 GMT -5
Apparently.
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gawgagranny
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Post by gawgagranny on Mar 17, 2015 5:37:56 GMT -5
Carl, I just want to add myself to the list of indignant moms who would kick your butt for not telling me about your accident & injuries! Of course, only AFTER seeing you alive and okay; then the ass-kicking would commence.
As a mom, I have gotten that phone call "Mom, I'm okay but I am at the ER getting stitches" Turns out YDS had flipped an ATV & cracked 3 vertebrae at the same time that he had gashed his face........sigh. Fortunately he is ok now ( this was several years ago), he only has a scar to show for it and a story to tell the kids he coaches now. But I can tell you, if I had not gotten that call, I would have freaked out much worse to find out after the fact!!!!
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