Ginding away- stop putting sand in my oil... Part 4

[dxmnkd316]

Re: Ginding away- stop putting sand in my oil... Part 4

I went with Wells Fargo on my mortgage to avoid any chance of my mortgage being sold or transferred. They had the absolute best rate of any of the mortgage companies and the fees weren't terrible either. Plus I knew their website is top tier.

 

[Twitch Boy]

Re: Ginding away- stop putting sand in my oil... Part 4

I went with Wells Fargo on my mortgage to avoid any chance of my mortgage being sold or transferred. They had the absolute best rate of any of the mortgage companies and the fees weren't terrible either. Plus I knew their website is top tier.

I went with a small local mortgage company recommended by my realtor. They mentioned that they reserved the right to sell the mortgage to Bank of America or Wells Fargo at any time. I specifically told them not to sell it to Bank of America.

Literally two days after I closed I got a letter saying they sold the mortgage to Wells Fargo.

Fortunately, they've been tolerable. Autopay was easy to set up, and haven't had a problem.

 

[bottomdweller]

Re: Ginding away- stop putting sand in my oil... Part 4

The press after any tragic event like the bombs at the Boston Marathon. Too concerned with being the first to offer "breaking news" that they can never get their facts right. Completely ridiculous.

 

[leswp1]

Re: Ginding away- stop putting sand in my oil... Part 4

This.

 

[jen]

Re: Ginding away- stop putting sand in my oil... Part 4

My mortgage company assessed me another fee - $15 for a returned check. The one I sent on 3/28. That they finally processed yesterday. Still no replies from them.

 

[MissThundercat]

Re: Ginding away- stop putting sand in my oil... Part 4

A combination of grinds my gears/I don't know what to do: Based on medical care received at Hennepin County Medical Center last October, I was billed $166. I figured fine, I could finally pay that this week when I received my paycheck. Monday, I open a new envelope from HCMC saying I owed $710, with no explanation of charges, no reason given as to why the bill skyrocketed. I could understand the bill increasing a small amount because I was late, but for it to more than quadruple in size? They're just going to have to pound sand.

 

[FreshFish]

Re: Ginding away- stop putting sand in my oil... Part 4

A combination of grinds my gears/I don't know what to do: Based on medical care received at Hennepin County Medical Center last October, I was billed $166. I figured fine, I could finally pay that this week when I received my paycheck. Monday, I open a new envelope from HCMC saying I owed $710, with no explanation of charges, no reason given as to why the bill skyrocketed. I could understand the bill increasing a small amount because I was late, but for it to more than quadruple in size? They're just going to have to pound sand.

You probably want to get on the record right away saying you oppose that increase in the charge so that you have a track record of contesting the bill before they take you to collection. Their collection agency isn't going to want to waste time on contested bills. If you just ignore it entirely it could become a bigger problem later.

 

[FadeToBlack&Gold]

Re: Ginding away- stop putting sand in my oil... Part 4

Got a lovely surprise $1,000 bill from the hospital for my emergency appendectomy last August. Fortunately, I can afford to pay, but would it have killed the hospital and insurance company to settle on a reimbursement amount in time for me to be billed for the remainder within, say, three months instead of eight?

 

[FreshFish]

Re: Ginding away- stop putting sand in my oil... Part 4

Got a lovely surprise $1,000 bill from the hospital for my emergency appendectomy last August. Fortunately, I can afford to pay, but would it have killed the hospital and insurance company to settle on a reimbursement amount in time for me to be billed for the remainder within, say, three months instead of eight?

It may or may not be worth looking at the itemized line items, sometimes you can knock those bills down substantially. I've seen some ridiculous stuff on some of them, like $5 for two aspirin, or charges for services that never actually were performed.

The worst was when we had a hospital pediatrician come in, glance at our newborn, and say something ridiculous. We took him to our regular pediatrician and he totally dismissed what she said as nonsense. When we received her $125 bill (this was over 20 years ago), we wrote back and said we weren't going to pay it: we already had our own pediatrician, we didn't ask her to visit, and our pediatrician totally disagreed with her assessment. Now, if you want to pursue this further, I suppose we can then seek out a lawyer to respond to your next bill.....

We didn't hear another thing.

 

[Almington]

A combination of grinds my gears/I don't know what to do: Based on medical care received at Hennepin County Medical Center last October, I was billed $166. I figured fine, I could finally pay that this week when I received my paycheck. Monday, I open a new envelope from HCMC saying I owed $710, with no explanation of charges, no reason given as to why the bill skyrocketed. I could understand the bill increasing a small amount because I was late, but for it to more than quadruple in size? They're just going to have to pound sand.

I would call and try and talk to a reasonable human being about the bill, they may be willing/able to drop the amount you owe to something more reasonable or they don't get paid.

 

[FreshFish]

Re: Ginding away- stop putting sand in my oil... Part 4

One thing that really grinds my gears when it comes to emails, even more than inappropriate use of "reply all" (GRR to that!!), is when people don't adjust the subject line even when they are drastically changing the subject. I've seen email chains go back and forth during which all sorts of new discussions take place but they still have the subject line from the original email which no longer has any relevance whatsoever to what is currently being discussed.

Every now and then someone will call me and ask why I haven't responded to their email yet, and I'd say "why would I be involved in a discussion about xxx" and they'd say "no the question is about zzzz and we need your feedback." Well then dammit put zzz in the subject line!

It also grinds my gears just a little bit that people expect an immediate response to an email. You want an immediate response? use inhouse IM or pick up the phone! My work occasionally iinvolves intense concentration on complex mathematics and I'm not going to divide my concentration because someone can't wait half an hour for me to respond when it bests suits the timeline of what I'm doing. I always get back to everyone wehn it fits within the context of my total overall priorities; no one person can know how many other people I have to respond to first who take priority over you in the overall context of what's going on.

 

[jen]

Re: Ginding away- stop putting sand in my oil... Part 4

I called my mortgage company and spent 45 minutes on the phone with the Indian version of Peggy from the credit card commercials. They ended up waiving the web payment fee and the return check fee (after several dozen explanations and about 20 minutes on hold), then told me to call my bank and ask them to waive the stop payment fee because they couldn't do that. Spent a few minutes chatting with the bank and they waived it. hurrah.

 

[leswp1]

Re: Ginding away- stop putting sand in my oil... Part 4

Got a lovely surprise $1,000 bill from the hospital for my emergency appendectomy last August. Fortunately, I can afford to pay, but would it have killed the hospital and insurance company to settle on a reimbursement amount in time for me to be billed for the remainder within, say, three months instead of eight?

Check with the insurance company. They may not be able to bill that long after the service rendered. Most insurance co require the bill be resolved within 90 days after the service so they have no excuse to wait a year.

We rec'd a bill more than 6 months after Lil was born charging for the delivery and services for the Midwife hosp stuff. They missed the deadline for billing insurance and billed us. We contacted insurance and they told us to ignore it. They couldn't bill us for something after 90 days that the insurance could have covered. It was their error and they needed to eat it.

 

[leswp1]

Re: Ginding away- stop putting sand in my oil... Part 4

Shirtless- echong the others. Call the hosp, plead ignorance, tell them you just got yr first paycheck in a year and were willing to pay them off- they obviously have mad a mistake. I don't see how they could arbitrarily sock you with a bill 4 times the original without any warning shots across the bow.

 

[FadeToBlack&Gold]

Re: Ginding away- stop putting sand in my oil... Part 4

Check with the insurance company. They may not be able to bill that long after the service rendered. Most insurance co require the bill be resolved within 90 days after the service so they have no excuse to wait a year.

We rec'd a bill more than 6 months after Lil was born charging for the delivery and services for the Midwife hosp stuff. They missed the deadline for billing insurance and billed us. We contacted insurance and they told us to ignore it. They couldn't bill us for something after 90 days that the insurance could have covered. It was their error and they needed to eat it.

I have a more complex insurance plan than most. My employer pays 100% for a high-deductible Blue Cross PPO, then utilizes a supplemental plan (which they also cover 100%) to pay a large portion of the remainder from the high-deductible BCBS plan. I will make some calls and be a prick, but I have a feeling I'm on the hook for a grand.

 

[pirate]

Re: Ginding away- stop putting sand in my oil... Part 4

People who respond to the NBA player coming uot as "what's the big deal, in this day and age he should be allowed to be himself and it shouldn't be a big deal to come out and say it". Well, yeah, it shouldn't be a big deal but IT IS. Women should have been allowed to vote, blacks should have had equal rights, blacks should have been welcomed in baseball etc...but that wasn't always the case so let it be a big deal. Someday it won't be a big deal, then we can ho hum about it.

The "I just want you to know I'm so open-minded I don't even think this is a big deal" superiority complex puts sand in my gears.

 

[leswp1]

Re: Ginding away- stop putting sand in my oil... Part 4

People who respond to the NBA player coming uot as "what's the big deal, in this day and age he should be allowed to be himself and it shouldn't be a big deal to come out and say it". Well, yeah, it shouldn't be a big deal but IT IS. Women should have been allowed to vote, blacks should have had equal rights, blacks should have been welcomed in baseball etc...but that wasn't always the case so let it be a big deal. Someday it won't be a big deal, then we can ho hum about it.

The "I just want you to know I'm so open-minded I don't even think this is a big deal" superiority complex puts sand in my gears.

YOu must spread. RIght with you.

 

[MountieBoyOz]

Re: Ginding away- stop putting sand in my oil... Part 4

People who respond to the NBA player coming uot as "what's the big deal, in this day and age he should be allowed to be himself and it shouldn't be a big deal to come out and say it". Well, yeah, it shouldn't be a big deal but IT IS. Women should have been allowed to vote, blacks should have had equal rights, blacks should have been welcomed in baseball etc...but that wasn't always the case so let it be a big deal. Someday it won't be a big deal, then we can ho hum about it.

The "I just want you to know I'm so open-minded I don't even think this is a big deal" superiority complex puts sand in my gears.

Unfortunately, there are too many people in this world that say "I always knew he was a f--," "I hope that queer rots in hell: and "Sinner." that the merit this being a big deal. Chris Broussard stepped in it big time earlier today. This is a big deal because someone had the stones to come out and say they were gay.

 

[bottomdweller]

Re: Ginding away- stop putting sand in my oil... Part 4

People who respond to the NBA player coming uot as "what's the big deal, in this day and age he should be allowed to be himself and it shouldn't be a big deal to come out and say it". Well, yeah, it shouldn't be a big deal but IT IS. Women should have been allowed to vote, blacks should have had equal rights, blacks should have been welcomed in baseball etc...but that wasn't always the case so let it be a big deal. Someday it won't be a big deal, then we can ho hum about it.

The "I just want you to know I'm so open-minded I don't even think this is a big deal" superiority complex puts sand in my gears.

My thing on this is that I really couldn't care less what someone's sexual orientation is, that I don't see the big deal about people coming out. It's not going to change how I interact with people. I don't view it as a superiority complex. I view it as people are people and unless they're a child molestor or terrorist, they deserve the same respect you give everyone else.

The one or two giant positives you could say that comes from this is that it gives young gay athletes a role model to look up to and to be comfortable with who they are in this country that is full of bigots. In sports, it's all about machoism and the whole mano y mano BS. Hopefully this will show younger athletes that sexual orientation has nothing to do with capabilities on the ice, court, or field.

 

[pirate]

Re: Ginding away- stop putting sand in my oil... Part 4

My thing on this is that I really couldn't care less what someone's sexual orientation is, that I don't see the big deal about people coming out. It's not going to change how I interact with people. I don't view it as a superiority complex. I view it as people are people and unless they're a child molestor or terrorist, they deserve the same respect you give everyone else.

The one or two giant positives you could say that comes from this is that it gives young gay athletes a role model to look up to and to be comfortable with who they are in this country that is full of bigots. In sports, it's all about machoism and the whole mano y mano BS. Hopefully this will show younger athletes that sexual orientation has nothing to do with capabilities on the ice, court, or field.

well, that kinda was my point...the big deal isn't that he is gay, but he is the first active player to confirm as much publicly. I don't think there will be a movie about him in theaters years from now but today it should be recognized that a barrier has been broken and perhaps others will be more comfortable following. We'll see some pushback among players and fans so it did take courage for this player to do what he did. That is the reason this is noteworthy, in my view.