<![CDATA[Comments from facted]]> <![CDATA[Comments from facted]]> <![CDATA[facted commented on EECB Scores Direct Hit On United Heathcare, Corrects $700 Billing Error]]> @bohemian: This is very true. Insurance companies are notorious for denying a claim you deserve only to cave in months aftewards (when they've already made some interest/investment income on the money they've been holding from you). This happened to my fiance many times, but luckily she has the time and patience (not to mention the stamina) to hound them until they paid up. Imagine an 85 year old, in feeble health, who just got of out the hospital for whatever and has no one to help them at home...

We do not tolerate errors from our banks in cashing checks, for instance, why should we tolerate errors from our insurance companies that can cost us just as much, if not more? Oh...because insurance companies have some of the largest, most powerful lobbies and it's election season...

]]>
<![CDATA[facted commented on JetBlue Can't Decide If They Charged An Unaccompanied Minor Fee]]> If someone in the CEO's office found out about this story, they'd waive the fee in a hearbeat. It's really unfortunate JetBlue's customer service has deteriorated to this point, especially when the company was really founded on it. Alas.

]]>
<![CDATA[facted commented on Should 8-Year Olds Wear Contacts?]]> Just wondering: why is this on consumerist? And why does it matter if what we think about 8 year olds wearing contacts? Shouldn't it come down to whether it's safe or not?

]]>
<![CDATA[facted commented on HCA: It's Hospital Policy To Shakedown Patients Before They Leave]]> @mycroft2000: The problem isn't that people in the US don't want free healthcare, it's that they don't want to pay for it. Canada and the UK have great healthcare systems...but you pay through the nose for it. Taxes in both of these countries are very high relative to what US citizens are accustomed paying. You can't just jack up the tax rate to what would be necessary to pay for free healthcare and think that everything will just go over soooo well. People just don't realize that healthcare costs money and it's coming out of their pockets whether they want to pay through private insurance, increased taxes, or even more increased taxes when hospitals start going out of "business" left and right and the government decides to bail them out.

But our priorities aren't on healthcare. Perhaps that'll change with the next election.

]]>
<![CDATA[facted commented on American Airlines Now Charges $15 For The <em>First Checked Bag</em>]]> @ironchef: Not to mention it has a better chance of actually getting there :)

]]>
<![CDATA[facted commented on American Airlines Now Charges $15 For The <em>First Checked Bag</em>]]> @bonzombiekitty: As Franklin said, the issue is that they're not reducing the price that YOU pay. You are paying exactly what you paid before the insituted the $15 fee. I agree with the general principle that you described which is I understand it is what happens on the European low-cost carriers. However, they start with a rock-bottom price and then nickle and dime you.

The US system has started with high prices and also nickle and dimes you. Doesn't quite do the same thing.

]]>
<![CDATA[facted commented on American Airlines Now Charges $15 For The <em>First Checked Bag</em>]]> My problem with all these fees is I really don't see them ever coming down once the economic climate improves.

I'm also with the people who say that the ticket price should just include everything, including taxes. So should cell phone plans for that matter...(and everything else). How awesome would it be to walk around any store and know exactly how much something is going to cost you? I guess you could in a state without sales tax...(I live in NY, so no such luck).

]]>
<![CDATA[facted commented on Your Complete Portfolio in Only Seven Investments]]> One more thing about bonds: according to Vanguard, since 1967, bonds have an annualized return of approx. 8% which is about 1% less than stocks.

Many people think that you won't make nearly as much money on bonds which in many markets is true. However, they are typically a much stabler investment and for those investors who have trouble dealing with risk, adjusting your bond exposure upwards may help you feel more at ease.

]]>
<![CDATA[facted commented on Your Complete Portfolio in Only Seven Investments]]> @adamcz: Actually, Warren Buffet suggests exactly what this CNN article suggests. A well-rounded portfolio should be composed of various index funds (ie: funds that mirror things such as the Down, the S&P 500, the FTSE, etc...) and give you broad exposure both to the US markets as well as overseas markets, both in Europe and in the emerging markets. If you only own one mutual fund, just make sure it is a world-wide index fund so that you don't get tanked if whatever region you've invested in collapses.

It's all about diversity, and this stucture recommended by the article is excellent advice. One can argue about what % should be where as everyone has different levels of risk, ideas of what markets are going up/down. However, the idea of splitting your portfolio into various different pots is the way to go.

]]>
<![CDATA[facted commented on JetBlue Forces Passenger To Sit On Toilet For Flight]]> @bluemonq: Very true. Consumerist has taken on quite a sensationalist tone in the past few months.

]]>
<![CDATA[facted commented on JetBlue Forces Passenger To Sit On Toilet For Flight]]> This story makes no sense whatsoever, and as another person posted in the comments section of this story in the Daily News, the flight in question had about 25 seats open.

Furthermore, it is against FAA regulations to be in any seat without a seatbelt when the fasten seatbelt sign is on, so that would also mean JetBlue violated FAA policy.

Also, if a flight attendant came up to you on a plane and told you to go sit in the bathroom for 2 hours, how many of you would go? Do you think your fellow passengers wouldn't say anything? I find this all very hard to believe.

]]>
<![CDATA[facted commented on Can Dell Stop Itself From Sending Me Catalogs?]]> As the OP mentioned, I did actually file a BBB claim against Dell and was contacted by a representative from Dell who was very nice and removed me from the catalogs. This was after I had manually tried to remove the name (the prior tenant in my aparment) myself 5 different times over the span of a year. I have not received a catalog since.

]]>
<![CDATA[facted commented on Mint.com's Plans For Portfolio Recommendations]]> @dalejo: Your monetary transactions are available. However, your identifiable personal information is not avialable. All of your personal information is stored on Yoddle and Yoddle takes care of passing the data.

For more info: [forums.mint.com]

]]>
<![CDATA[facted commented on Review Of Mint.com's New Investment-Tracking Features]]> @dalejo: From the way I understand it, Mint originally takes your username and password and sends it to Yoodle the 1st time you setup the account. After that, Mint no longer needs that information and it is stored on Yoodle where your accounts are given a userID so that all of your accounts are clustered together. When Mint wants your info, it simply requests for Yoodle to connect it directly to all accounts who have that userID. Yoodle takes care of actually logging you in to those accounts at the bank/credit card/etc...

]]>
<![CDATA[facted commented on Mint.com's Plans For Portfolio Recommendations]]> @Corydon: Also, mint doesn't store your login and passwords at all. That info is stored by Yoddle, which is the backend that is used by many banks including Bank of America.

]]>
<![CDATA[facted commented on Top 9 Medical Myths]]> @Consumerist Moderator - ACAMBRAS: In regards to breast exams, there have been huge clinical trials (tens of thousands of patients) that have demonstrated that there is no increase in either finding breast cancer or improved survival (from breast CA) in women who did vs. did not do breast self exams. Many doctors still recommend BSE because it is easy and free (and to cover their ass legally), but if you want to talk about evidence, it's against BSE. There is also the downside of BSE that if you find a lump (very often benign), you begin to do sometimes unnecessary tests that may lead to health issues down the road.

]]>
<![CDATA[facted commented on CVS Refuses Foreign ID To Buy "Plan B" Birth Control]]> @chemicalx9: A right to refuse anything to anyone at anytime?

According to who? You cannot break the law and fail to sell Plan B to someone if they are above 18 years of age, regardless of whether you agree with its purpose or not. That is federal law.

]]>
<![CDATA[facted commented on Top 9 Medical Myths]]> I'm not quite sure how #2 is a myth. Anemia does cause fatigue in some people, and the "myth" is that anemia MAY cause tiredeness. If it does cause tiredness in ANYONE, then it's not a myth...

]]>
<![CDATA[facted commented on Top 9 Medical Myths]]> @Pinget: I believe the guidelines from the American College of Gynecology actually call for annual pap smears for all women under age of 30 (since this is the age for the highest likelihood of cervical cancer). If you are negative for 3 paps in a row, it is recommended you only get a pap every 2-3 years. Annual pelvic exams are still in the guidelines, however.

As for the mammograms,actual recommendations are for women aged 40-49 to have one every 1-2 years, and yearly after 50. If you have any risk factors, you may want to push that up, and if you have cases of breast CA in your family, you'd want to get your first mammogram 10 years prior to the age at which your relative got breast cancer themselves.

It sounds to me like you need a new gynecologist who actually follows ACOG recommendations.

]]>
<![CDATA[facted commented on CVS Refuses Foreign ID To Buy "Plan B" Birth Control]]> We had a situation in which the pharmacist didn't even know where in the store Plan B was and kept telling us to search the whole store by ourselves (meanwhile, it was behind the counter). She refused to ask her co-workers where it was and was just incredibly unhelpful.

We called the manager the next day and he was very, very helpful and offered to have the employee call us with an apology (not what we were looking for). However, he said they would retrain all the employees on the actual location of the products. Call the managers of the stores in question!!

]]>
<![CDATA[facted commented on Dell Celebrates Earth Day By Sending Me Junk Mail After I Said Stop]]> I had a similar battle with Dell. The only way i was able to get them to stop was by filing a claim with the better business bureau with the appropriate information that was on the catalog and my simple request to stop getting them. Some representative e-mailed me a few days after I filed my claim and said he looked it into and to e-mail him personally if the problem wasn't solved.

Seemed pretty effective. I'd highly recommend it.

]]>
<![CDATA[facted commented on Continental Airlines Using "Fuel Emergencies" To Skip Ahead Of Other Airlines At Newark?]]> I think this title is a little misleading. It would be one thing if they had plenty of fuel on board and declared a fuel emergency just to skip the line. Instead, they're just putting less fuel on their plane and cutting the margins closer and are now just running into more "fuel emergencies". One could argue that they could just put more fuel on the plane and that would be the end of it, but they're not exactly gaming the system.

Also, you have to consider that over the past few years fuel has become ridiculously expensive for airlines and any added weight adds to the cost of that particular flight. They're just trying to skim of some fuel that they likely won't need to try to get costs down. It sounds like they're cutting the margin for error down a bit for sure, but they're not exactly cheating other airlines if you ask me.

]]>
<![CDATA[facted commented on The 9 Ways to Get Rich]]> @Empire: Actually, Secret Agent Man is correct. Over time, stock markets do go up without question. The main question is what your timeline is. If you're investing for 5 years, then you can certainly not say whether or not ANY investment is going to do what you want. However, over time, stocks will gain value (historically, that has happened at 8.2% per year annualized).

As for the inflation comment earlier:

I plugged in a 25000 dollar investment (in 1962) into a historical inflation calculator and if found that money would be $171,508 in 2007 terms. However, the same 25000 invested at 8.2% annualized would be $988,635.26. That's quite a bit of a lead over inflation if you ask me.

The bottom line is that no investment is fool-proof or a sure-thing. Over time, however, our economy has grown and will likely continue to grow. If you somehow broadly invest (index mutual funds are a wise-bet) in that growth, you will get a piece of the pie.

]]>
<![CDATA[facted commented on The 9 Ways to Get Rich]]> @blitzcat: You're saying annual inflation is about 6% from 1962 until today? That would be quite something.

]]>
<![CDATA[facted commented on The 9 Ways to Get Rich]]> This article is pretty bad, to say the least. Not only are these super-obvious, some of them are even wrong.

Why do people insist that your investments have "beat the market" consistently to get rich? Since 1962, stocks have grown an average of 8.6% (I think it is) annualized. If you just let that money grow and don't draw off of it at the end, you have quite a bit of cash at the end of your investment. It's also very easy to invest in a broad stock market index fund these days with very low fees (Vanguard has some great funds, for instance).

]]>
<![CDATA[facted commented on Shaper Image Will Accept Gift Cards Only If You Buy Something 2x The Card's Value]]> Never quite understood the fascination with the gift card...just give people a check and let them decide what store (or maybe savings account) they'd like to spend the money in. Why fuddle with the fees/hassle/exclusivity of a gift card?

]]>
<![CDATA[facted commented on US Airways To Charge $25 For Checking 2 Bags]]> @johnva: Not sure for US Airways, but some airlines allow you to bring your skis on board for no extra charge (in essence you're allowed your regular baggage and a ski bag).

]]>
<![CDATA[facted commented on US Airways To Charge $25 For Checking 2 Bags]]> I applaud the airlines for looking towards some of the best airlines in the world (like RyanAir and easyJet) for ideas on how to cut costs, but that's not really what they're doing. Low-fare european airlines charge for baggage because their fares are ridiculously low. They reason that if people want to bring any bags on (and others don't), then why punish those who aren't bringing any bags by making them pay extra.

However, I highly doubt that US Airways is going to announce a $25 price-cut on tickets to coincide with the extra $25 for the second bag (thereby offering a discount to those who aren't bringing a second bag on board).

This is just another way that airlines are fleecing their customers instead of cutting costs.

]]>
<![CDATA[facted commented on Verizon To Offer Flat-Rate, Unlimited Minutes Cellphone Plan]]> @PeteyNice: True. Sounds nicer though doesn't it? What's even more ridiculous is that each additional line is another $100 (which means that your family of 40 could get individual lines for the same price). If each additional line after 2 was say $30 or $40 then you could save a lot per extra person and it might make sense. Alas.

]]>
<![CDATA[facted commented on JetBlue Now Selling Refundable, Pricier Tickets]]> Kepler11: There are certainly some people out there who may need to cancel their flights completely and may need to change their flights multiple times before actually flying (thereby racking up many $40 change fees).

However, for the majority of the traveling public, on jetblue, you simply cancel your ticket and pay $40. Now I have a credit for whatever my ticket was worth. When I know when I want to fly, I simply buy my ticket (it can be at any time up to one year) using that credit. Using this logic, I don't pay multiple $40 change fees.

As for your second point about the change in fare: Assume that I need to cancel my flight, and instead, I want to fly in a month. On Jetblue, chances are you are probably paying the same (and you certainly aren't paying 100's more...the one-way fare on many flights is capped, I believe at $299 depending on the length of the flight). One month ahead of time, however, you are likely not paying $299 (that's more walk-up fare). So I've payed the $40 change fee from earlier, and now, let's assume, a $50 change of fare.

Now the refundable ticket wants to do the same exact thing. He doesn't pay the $40 change fee, but we assume he paid let's say $150 for a refundable ticket. He gets his full ticket price back, but when he goes to buy the ticket for the following month, he TOO pays the new price that the non-refundable ticket paid...the flight has gone up in price $50. Just because he got his money back doesn't make him immune to that change. So now total he's paid $200 (150 extra and $50 for the increased fare). The non-refund. ticket person paid $40 (change fee) and $50 (increased fare).

The non-refundable ticket in essence saved $110 in this example (and that's assuming the refundable ticket is only 150 extra...). To make up that difference, the non-refund. would have to make 3 more flight changes at $40 a piece to justify the refundable ticket.

]]>
<![CDATA[facted commented on JetBlue Now Selling Refundable, Pricier Tickets]]> @kepler11: Don't quite understand. With a NON-refundable ticket, if I need to change the date of my flight, or the time, or whatever, I simply pay (on Jetblue), a $40 change fee, and that's it. I can fly anyday I choose. The refund aspect is nice if you never plan to use the ticket ever again...but if you the credit suits you just as well, then what's the point?

]]>
<![CDATA[facted commented on National Institutes Of Health: Cola Causes Kidney Problems]]> The study article does not talk about kidney stones. It's talking about chronic kidney disease, which actually has nothing to do with kidney stones. CKD is when your kidneys begin to fail (there are many causes), and you need to be put on dialysis.

]]>
<![CDATA[facted commented on National Institutes Of Health: Cola Causes Kidney Problems]]> One more thing: Chronic Kidney disease (CKD) is not the same thing, at all, as kidney stones. CKD refers to decreased renal function on a long-term basis that eventually requires hemodialysis. Kidney stones may be linked to soda use, but that is not what is being referred to here by Chronic Kidney Disease.

]]>
<![CDATA[facted commented on National Institutes Of Health: Cola Causes Kidney Problems]]> I have not read the Epidemiology article, but there are a few things to consider.

A) Association does not imply causality, which is a mantra of statisticians, esp. in medicine. (There is a link, for instance, between high homocystine levels in the blood and increased cardiovascular events like heart attack and stroke. However, reducing homocysteine levels with folic acid has not been shown to reduce these events!)

B) And again, I haven't read the study...but, this type of study is really a terrible way to analyze a question. They group together a whole bunch of people who now have CKD and asked them how much soda they have had in the past. This type of study can be very, very biased based on "recall" and what patients are able to (or want to) tell you.

C) Again, study design: Patients who drink 2 or more sodas a day, may also be more likely to develop obesity. With the increased sugar and obesity, they may also be at an increased risk for Diabetes, which is a MUCH larger risk factor for developing CKD than soda would be. In such a small study of 800 total patients, it would be very difficult to control for things such as Diabetes, obesity, etc, though they may have tried...Just something to look at.

Personally, and I've said this before: as a medical professional, I don't really appreciate Consumerist's sensationalistic attitude towards medical stories when the editors often don't understand the true issues being discussed. Either get a medical professional to help with the stories, or stop publishing such articles.

]]>
<![CDATA[facted commented on Health Group Asks Congress To Create National Drug Data Resource]]> @tk427: I personally think that's the FIRST step. One can argue whether physicians are truly swayed by marketing pitches, but the cost of marketing to pharm companies including all those damn TV commercials is astronomical. That all comes from our drug prescription costs...

]]>
<![CDATA[facted commented on "Why Blockbuster Will Never Survive"]]> I've been a blockbuster total access subscriber for about a year now and have never had any issues with them. They send me my movies within 2 days (in NYC), and I can return them in the store and take another movie with me to go (as great as Netflix may be, you obviously can't do that). Yes, they have late-fees for the movies you take out of the store, but that's not a problem at Neflix...because you can't get movies from a store ;) I really don't quite understand what all the complaining is about with blockbuster.

]]>
<![CDATA[facted commented on Blockbuster Total Access Fails, Netflix Wins]]> I have been with both blockbuster and Netflix. Both services have been great, but for me it really comes down to being able to drop off a movie at the store (which saves me a shipping day back to the warehouse, since this now counts as being received), and I can also exchange that movie for an in-store movie AND get my next one sent. I'm getting two movies for the price of one.

The ability to do in-store exchanges just trumps anything Netflix could offer me, even if their shipping were faster which I don't think it is (in NYC).

I can understand preferring Netflix if you don't live close to a blockbuster store, but if you do, how can it possibly go wrong???

]]>
<![CDATA[facted commented on Do You Really Need A Check-Up? Maybe Not.]]> I think the article was mis-represented a bit...it did not say that you shouldn't see your doctor at all during the year. It simply said that most tests that your doctor may order and exams that need to be done are generally done without the need for the ONE preventive health care visit that some people choose to schedule every year.

In other words, if you are up to date with all your bloodwork and various tests that your doctor recommends, then you may not need to see them for the Preventive health visit "just because".

In addition, there are plenty of reasons to see your doctor for preventive health services that are well defined by the United States Preventive Services Task Force. Cholesterol screening every 2-3 years, Diabetes screening, Colonoscopy every 10 years at 50, Mammography for Breast Cancer, etc...

How this effects, consumers, again is a bit beyond me. I really think this website should steer clear of medical issues that the editors don't always fully understand and try to paraphrase just to make a catchy headline. It's a bit irresponsible.

]]>
<![CDATA[facted commented on Blockbuster Cancels Your Plan? Or Does It?]]> @koath: I'm a "power user" and my plan was not changed or canceled. However, like others, I was warned that if I change my plan, I will be paying more from now on.

]]>
<![CDATA[facted commented on 8 Airlines Raise Fares]]> @CapitalC: The obvious problem with this statement is that prices HAVE been increasing for quite a while now and service, clearly, has not. If I felt I was getting more and more for my increased ticket price, I may agree with you. However, I'm paying more and more for less and less.

]]>