Categories
Life

Avoid toxic people

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One of the life lessons I learned over the years is – avoid toxic people at all cost.

Charlie Munger mentioned it a few times.

This is the latest example as to why: Man arrested, charged in woman’s St. Louis death after Clayton abduction: “Investigators believe that Mosby and the victim, identified as 37-year-old Michelle Hampton, were known to each other.”

More from KDSK.com: 2nd suspect charged in deadly kidnapping of Michelle Hampton “According to documents from the U.S. District Court Eastern District, Mosby was the boyfriend of Michelle Hampton’s twin sister, Samantha Hampton.” Also quote this article here: Samantha said she had recently told Mosby that Michelle was holding a $40,000 settlement on behalf of their brother. My take: unfortunately, there is no drug for stupidity. This is partially the reason her twin sister got killed. Maybe I should add the stupid people in the title too.

Also earlier: ‘If I stop, my sister will be gone’ – Woman says she argued with 911 while following car with kidnapped sister

Categories
car

Buying used car in St. Louis

Reading Time: 2 minutes

I have not bought used car for a while, my last two used cars are both Toyota Pre own certified: basically I found the car online, went for a test drive at the dealership and bought them.

But this morning I had opportunity to visit a used car dealer in my old neighborhood: I lived near that place about 20 years ago. I remember the good old days, in late 1990s (1998 and 1999 to be specific), when I was a graduate student in Rolla (Missouri S&T), we would buy the St. Louis Post Dispatch newspaper on a Friday, went through the paper auto classified ads section, circle out the cars we were interested, call the private owners and made appointment for Saturday. And so on.

I was not familiar with used car dealers. I did buy a used Subaru from an auto shop (note his specialty is service not selling used cars). And I bought another used Subaru in year 2010, from an owner via local Craigslist. I drove that one for about 3 years and trade it in for the used Toyota Sienna in summer 2013, without losing much value.

Btw, I liked two cars I drove this morning, a 2013 Volvo XC 60 and a 2015 Honda Odyssey EX-L. Both came with leather seats, which my Sienna doesn’t have. They came with about 144 k miles though – which is higher than my current own 2013 Sienna.

Why a used car dealer with a physical presence

I didn’t give it much thought, again you can look at my used car purchase history above. I also bought 2 other used cars while I was in Rolla. One is from a Taiwanese student and it’s a 1984 Toyota Celica (I bought it in Spring 1998).

Big picture or 40,000 feet view

YT Video from the Car Care Nut (about 1 hour 30 minutes): What is The Future Of The Automotive Industry? Featuring Savagegeese

YT video from Royalty Auto Service: Ranking The Top 5 Least Expensive Vehicles To Maintain That We Work On At Our Shop!

How Much Do Car Dealerships Really Make? 80后男孩在美国开二手车行是怎么赚钱的?

Categories
401k and Personal Finance advice and tips

Avoid the traps aka the financial fraud

Reading Time: 3 minutes

(Update 02-16-2026) Scam on rye: The inside story of a $100 million deli fraud – I recall this saga.

(Update 12-30-2025) Reuters – Trump’s funding cuts put America’s consumer watchdog on the brink of collapse. Quote a bit here (below):

Warren said that as a law professor studying bankruptcy she saw that consumer protections were weak and fragmented, and that America needed a single federal agency dedicated to protecting consumers from unfair, deceptive and abusive practices.
“I was stunned by the number of people in financial trouble who had lost a job or got sick but who had also been cheated by one or more of their creditors,” she told Reuters. “For no agency was consumer protection a first priority, it was somewhere between fifth and tenth, which meant there was just no cop on the beat. If the CFPB is not there, people have nowhere to turn when they get cheated.”

Personally, I feel the lack of personal finance knowledge, as well as bad math, are contributing factors for people getting into financial trouble.

(Update 11-08-2025) Couple loses $180,000 from retirement savings after accounts hacked. I suggest avoiding the TastyTrade company mentioned in the article. That’s also one reason I am a bit skeptical of upstart like Robinhood App. It appears though Robinhood has decent security measures in their app.

(Update Dec-16-2024) The fintech company that collapsed and took $90 million of people’s life savings with it: The collapse and bankruptcy of fintech middleman Synapse in May has left more than 100,000 Americans locked out of a collective $90 million of their own money, prompting a class action lawsuit. (I don’t know how much money can be recovered for the victims though).

(Original) One downside of the free speech in this country, is one can hear or see all kinds of shenanigans or “God damned lies” on TV (both network and cables), on radio, and the latest and greatest the social medias.

Examples of financial frauds in America I read today 11-22-2024 Friday:

CNBC: ‘I have no money’: Thousands of Americans see their savings vanish in Synapse fintech crisis : this one has impact to thousands of people. Here is a YouTube video that explains the situation – Yotta Bank & The Problem with Fintech! It’s somewhat to see Joe Rogan and Marc Andreessen talking about this. Note the Synapse was backed by the VC firm Andreessen Horowitz. This is confirmed at their website too. Fat cats usually get away in this country, btw. Talk about Marc Andreessen, personally I felt he is full fledge MAGA now (google is marc andreessen maga).

Synapse is a Andreeseen Horowitz company

Google search “treasury department warning on yotta”.

WSJ: ‘I Don’t Know Where to Turn or What to Do.’ His $763,094 Retirement Fund Is in Limbo. subtitle: Richard Whitacre transferred his entire 401(k) into an account offering a ‘guaranteed’ 15.25% return. Will he ever see his money again?

(This probably is rare, but I suggest to avoid it) An investor says he put 98% of his retirement funds in Trump Media stock and won’t bail because Trump has a ‘secret’ plan. Since the Enron and WorldCom debacle, many companies started to remove company stock as an investment choice in 401k plans. Personally I think it’s a wise choice. In fact, I noticed the company I used to work for, Siemens, did divest my Siemens stocks (not a lot), and put it in a target date portfolio. Not all companies are doing that though: e.g., I know Arch Coal (now Arch Resources after the emergence post bankruptcy), used to offer the company stock in its 401k plan – note that stock became useless when it went through bankruptcy about 10 years ago. GE had similar issues: it didn’t go through bankruptcy, but at one time its stock went down a lot before its eventually company split (the original company was split into 3 companies).

中国企业家3千万美元搭上川普 获邀任顾问 : don’t just walk, run away from this guy and World Liberty Financial if you could. I remember Warren Buffett famously said he won’t pay $25 for all of the bitcoins. But he was duped by this 孙宇晨(Justin Sun)guy – when Warren was just trying to raise money for charity.

Major’s Rule Number 1

If something is too good to be true: IT IS A LIE e.g.: ‘guaranteed’ 15.25% return (annually?) – Run not just walk, when you hear this kind of guaranteed return.

Major’s Rule Number 2

Refer to rule number 1

PS: my YT podcast on the same topic, in Mandarin Chinese.

Categories
car

How to change the headlight bulb for Toyota Sienna 2012

Reading Time: < 1 minute

This is the replacement light bulb at Amazon: last purchased Sep 14, 2022 (replace one about 2 years ago; replace another one this evening). One driver flashed me yesterday evening. And this evening a neighbor told me one of the light for my minivan is out 🙂

Took me a while to find the other light bulb: I placed it along with other regular home use light bulbs.

To replace, the trick is to take out the old one, and put in the new one. There is a clip (snaps) from the electronic cable to the light bulb assembly. This is the YT video I watched this time (I may have watched another one last time around, but it was 2 years ago). Again the trick is to press, to unplug the old one, and the rest is the history 🙂

Related earlier post: DIY via Amazon and YouTube

Categories
Saint Louis uber-and-side-hustle

Drove for Uber the 1st time – 我在美国开优步

Reading Time: 4 minutes

中文简体读者:这里有一个谷歌翻译的版本,可能不是最新的版本,但大意差不多。

Yesterday (Sunday) afternoon I drove for Uber the first time, after I thought and talked about it for a bit. Note I still have the day job – this is mostly to supplement my income, and also gain some experience/have some fun. I also wrote a Twitter/X thread here.

A few things to do or think before drive for Uber:

I did give some thoughts on the whole thing before my 1st trip. Here are just some of the things I wrote down on my iPhone notes (MX):

MX: read safety tips (here are Uber Tips for Drivers), I also read a bit more on safety at Google and Reddit too, for example, below thread at Reddit:

Safety : r/uberdrivers

Don’t accept any obviously fake names (Smokey, Mr. X, Princess, etc) and if you’re gut says it’s wrong, let rolling and cancel when you get around the block…

Oh, and buy a dashcam! I got one at Walmart for $75. I honestly believe just having it mounted helps avoid issues.

Re: dash cam, I actually did place an order at Amazon, but I decided to cancel the order today after I think more about it. I always get it if needed, down the road. I have a few items that I bought from Amazon that ends up didn’t get used. Try to avoid that mistake again – and I really need to use the items I bought or sell them on eBay (it it’s passed the time to return).

I also thought about Pepper Spray or carry a firearm: my understanding is that Missouri is an open carry state.

It is not a crime under Missouri law to openly carry a weapon into any place where concealed carry is prohibited, except for a church, school bus, school, or onto the grounds of a school function. According to RSMo Section 571.030, there is no age limit to openly carry a handgun, long gun or any weapon.

But I have purchased neither for now: I think the rearview mirror, along with some items near my driver seat are sufficient for me. Under any circumstances, if I feel that my safety is not 100% guaranteed, in most cases if I am driving and my car is good, I expect to get out of the trouble quickly.

MX: only drive days with daylights, no evenings or nights;

MX: tax or expenses tracking including: miles driven, gas receipts 🧾, and insurance.

But today’s two rides (one cancelled) is mostly around “finding the rider” at the starting point.

Some bugs in the Google Map abd Uber Driver App

For the 1st ride, it took me a few minutes to meet my rider. She had someone else called the ride. And it seems (according to her) Google Map also messed up her home address. I think the Uber Driver App too. But I was able to pick her up and drop her off at the right place. From Clayton road near Hanley road to a house near 270 and Manchester (via highway 64 and 270). My gross income for that ride is about $13.50.

Shortly after I complete my 1st ride, as I am driving back to the Manchester road near 270, I got another ride request, and the starting point is at Eureka. That one took time to drive, and unfortunately, the Uber Driver App pointed me to the wrong place (it was close, but not exact). I texted and called the rider, no response. After 5 minutes or so. I decided to leave, and drive back home. One thing because I followed Uber Driver App, and waited the necessary time, I was paid about $15.50 or the cancelled ride. But I do have some lesson learned and I documented in the Twitter/X as well:

use Apple Map for navigation; also pick the ride when I am stationary and have time to think about it. I picked the 2nd ride when I was just finished the 1st trip, and when I was driving. I think I can let the pass in a situation like this next time. Ideally I would stop accept my new ride when I have ample time.

Bonus points

I liked the view of fall leaves: not quite red or changing yet, but start seeing colors when I drove highway 44 west from 270 towards Eureka, MO (exit 264). I used to enjoy similar sceneries when I was working in an office, more specifically working for the Mastercard at their O’fallon MO office. I drove quite a bit of the Page (Missouri 364) Extension and part of the road was beautiful in the fall (autumn). I understand I may not be able to enjoy nice views everywhere I go – but since I work from home 99% nowadays, and yes sometimes I do miss driving (and not just driving with families, my wife and kids – hope they don’t see this comment 🙂

Also, Fatal crash closes westbound I-44 near Six Flags: note I was there about 2 hours before the accident. This again highlights the risk of driving including drive for Uber and drive on highways (high speed).

PS: I will likely write another post on “driving for Uber” or create a quick YT video hopefully soon: I will write down my thoughts after driving for them for the last 4 days (Monday 10/14 to Thursday 10/17), may include Saturday 10/19 too (if I have some free time).

(Update 10-29-2024) in this short YouTube video, I talked about my thoughts after driving 19 trips for Uber. Also, I noticed quite a few YouTube video in Mandarin on Uber 优步 too – collect them here and here.

(Update 11-04-2024) Reddit – Curious as to how well Uber drivers do here in STL?

(Update 11-27-2024) Realized it’s best to keep the Uber driver ratings (score) above 4.6, if applicable (and you are curious about the score).

Categories
math-and-edu Saint Louis

Where to stay in St. Louis – 圣路易斯住哪里比较安全

Reading Time: 2 minutes

(01-23-2025) Last Saturday I learned wustl has an area that its school shuttle covers (don’t know where to find it online). And I came across this one about why people (mainly students I assume) usually live.

(11-03-2024 更新) 我上载了一个油管视频,是关于这个主题的,欢迎各种意见反馈。

(有人在小红书上问 #圣路易斯 哪里比较 #安全,我猜可能是华大学生,以下是我的回答):综合考虑,建议住 #Clayton, #Brentwood, #Olivette 等。如果有上K-12的小孩,学区来讲,Olivette (Ladue), 和 Clayton 是密苏里公立学校/学区里面第一和第二名Brentwood ranked 12th in the state of Missouri on Niche.com.

其它也有不少地方是安全的,比如 Kirkwood, Webster Groves, Maryland Heights, 绝大部份的 west county, south county. West county 和south county 要稍远一些。

我自己的的经历

我从2000年秋天到圣路易斯。一开始在Bridgeton (机场✈️附近)住了一年。住在那里的主要原因是当时我刚到圣路易斯,我有一个朋友住在那个小区,那个公寓离我上班的地方(办公室)也挺近。This is the apartment. I think it’s generally okay to live there – besides 2 or 3 unpleasant things or exceptions I experienced. I can elaborate later if needed.

A year later, I moved to Park Forest Apartments, off River Des Peres and once the river flooded to the road, and I had to abandon my car on the roadside, and walked uphill. My car was damaged or anything. It was just a flash flood. It’s not perfect, but it’s better in general. Also, a bonus point, that place is about one mile (one way) walk to the famous Ted Drews: arguably the most famous ice cream shop on the route 66.

In April 2005, I moved to the Briarcliff Condo in Creve Coeur. And I lived in the area since then – I mean the Ladue school district. I moved to Olivette in August 2019 – essentially I moved from near the west side of Monsanto/Bayer campus to near the east side of Monsanto/Bayer campus. Note Bayer has since sold the west campus (Olia Villiage, currently under development), and currently they are looking to sell majority of the east campus too.

Graduate Students in WUSTL (Washington University in St Louis)

A little over 20 years ago (fall of 1999 and 2003), I helped my friends find apartment at University Square Apartments (could not find their website, this is just the google map). Both friends are graduate students originally from China. Recently I heard college students (some are likely master/graduate students) are staying at Clayton on the Park – which is a high-end/luxury apartment in downtown Clayton (right across the street from the Shaw Park). This seems also can be an indicator of the economy development of China in last 25 years.

【St.Louis | Housing】圣路易斯华盛顿大学租房 | 全美犯罪率最高?| St Louis 生活学习 (YouTube by Kath Y.)

Some other places (apartments) I visited recently

This is for comparison purpose only. One in Overland (this apartment), this unit in a duplex in St. Ann, and one in Berkeley (near UMSL). Note I don’t recommend those. I visited those places because I was helping a neighbor looking for place to stay.

If you are shopping for houses in the St. Louis Area

Personally I like to get an quick overview if I am moving to a new place. Below are two excellent sources.

YouTube: If You’re Moving to St. Louis, MO WATCH THIS – St. Louis Area Explained (Jacob from the Living in St Louis YT channel, note Jacob is a realtor and a content creator)

St. Louis’ hottest neighborhoods for singles, professionals, and families (by Peter Lu Team)

Categories
401k and Personal Finance Life Tips

Goby Toothbrush

Reading Time: 2 minutes

My 14 year old (when she was almost 14) decided to switch to this electric toothbrush given by the Orthodontist office and after a while she wanted to order the replacement toothbrush heads. This is not the most common electric toothbrush and I had to order the replacement heads at the their official website.

But they didn’t ship after taking my money (via Paypal and CC).

Finally I recalled that they did’t ship, but I cannot get money back because it’s past 6 month or 180 days. I did disputed via Paypal. Below is the reply from Paypal:

We have reviewed this transaction(s) and are denying your case(s). Cases must be filed within 180 days from the date of the transaction. The decision to deny was made because the case was submitted after the 180-day deadline. Therefore, we are unable to offer a resolution toward this matter at this time.

It seems for credit card; the protection is only 2 months or 60 days. Here’s how long you have to dispute a credit card charge via CNBC:

Federal law only protects cardholders for a limited time — 60 days to be exact — after a fraudulent or incorrect charge has been made. Thankfully I noticed the billing error within a few days of it posting to my account and started the dispute process right away.

This probably explains why I don’t see a “dispute” option in my CC website.

I haven’t been to situation like this for a while. I don’t see a “contact us” on the merchant website either. I am not too upset about it due to the relatively small amount: $22.50. Thought something to keep in mind if we shop online and didn’t receive the item.

Also, just saw this thread at Reddit. Copied/pasted one comment here:

Related to this thread, it looks like they are going under. I have not received a replacement head since July of last year but I continue to be billed for it. The website features that allow you to cancel or modify your subscription or delete your payment information are disabled. I contacted them and received an auto response that they are not responding to messages “due to unforseen operational issues”. I reported the charges to my credit card and also reported them to the BBB, where you can see a ton of others have reported similar issues.

Categories
Edu-and-Ladue-School Fun Software development

‘Due Run

Reading Time: < 1 minute

今天一大早,我家大娃第一次出城比赛,不是钢琴🎹或其它乐器,不是数学,sci-only, 是 XC( cross country #越野跑)😂.

兵分两路,老爸(yours truly) 将跑第八个’Due Run. 大概算了下,God’s Willing, 等小娃高中毕业🎓,还有八个’Due Run.

结果:两个人大概都跑了34分钟多一点😂

PS: 拉肚学区啥都卷,小朋友们卷小朋友的东西,家长们卷’Due Run. 我记得有一回黄大神带了胜跑群的一路神仙们席卷了不少奖牌🏅😂

Btw, I signed up this year’s Olivette Turkey Trot. I probably ran my 1st Olivette Turkey Trot 5K in year 2018. I signed up in year 2017 but I chickened out at the last minute. I was on and off for a few years, I recall one year, probably year 2021, I signed up but we decided to go to Kansas City for a quick trip/family vacation at the last minute. This year I hope to make it and complete the race.

Last but not least, refer to Running, jogging and walking my blog post in which I talked all my running races so far.

Categories
advice and tips kids Life Life Tips

Stay in the hospital in America – 在美国住院

Reading Time: 7 minutes

中文翻译(主要是谷歌翻译的,我做了一点修改)在这里

This is probably the 3rd time we stayed in a hospital in America – if we count the time we spent in the Mercy for our 2 babies delivery (baby number 1 and number 2). Last week in my blog I talked about our little baby got sick. As she didn’t get better, we end up in the St. Louis Children’s hospital ER on Monday 9/9, and followed by inpatient care between 9/12 and yesterday 9/16. She is better and out of hospital now. The main concern was her fever and pneumonia.

Again it’s not the 1st time I go to hospital in America. I have been to ER once myself in year 2006 when I broke my chin at Stacy park and I drove myself to the Mercy ER shortly after. I recall when I was a teen, after watching some TV or movies, and sometimes I sort of romanticize “staying in hospital” (different TV or movies scene than the ER TV series here in the USA). Also probably I hoped for a break of school because my middle school and high school years are not easy.

In recent years especially last year, during my visit to China, I went to hospital everyday to see my mom (she was in the hospital). Also I saw her in IV infusion this year (note IV infusion is much more common in China than int he USA, even for the kids, separate topic); and I did IV infusion last year and a bunch of tests after falling from the ladder (advice: be careful when climbing ladder, using proper technique and safety cautions). I think my attitude towards hospital stay is more rational now: it’s a necessary evil we have to deal with. I am hoping to be away from hospital as much as practical.

Below is something new I noticed this time around.

Rounds

Doctors, nurses and personal care technicians (tech) kept families in the loop most of the time. Also, there are the morning “rounds” in which all the caregivers including the residents (the doctors in training) will have a discussion on the current status, and ask parents if there are any questions. This is somewhat like the “standup” in the agile world. I think it’s good.

Tablet

In year 2010 I recall the Mercy hospital room has traditional phone.

Fast forward 14 years, at the children’s I do notice the SamSung tablet in the room, and it can be used both for ordering meals as well as watching TVs (we didn’t watch this time). It also has some games similar to what we saw on Boeing 737 Max and 787 – our two kids played a bit together, and our little one played some alone too. I remember in the old days the meal is ordered from phone.

Electronic Medical Records

Another new development is Electronic Medical Records (EMR), and BJC (parent org for the Children’s) implemented Epic/MyChart in recent years. Adding my daughter’s EMR proxy access to my account took a few days: I simply requested for it and wait. I got my own MyChart set up at BJC a few years ago when I went there for the Covid vaccine (the Pfizer version). I received the access in about a week or so (thinking they may have manually looked into my relationship with my daughter).

Personally I like the electronic version of medical records much better than papers. Because I am not the best organized person for paperwork, as you can read from my earlier blog post – I need to better organize things.

I noticed our pediatricians office has a patient portal too. TAUC has a much simpler website but I recall once I downloaded the flu vaccine record for work. I also talked about my personal visit experience here last year – after an unexpected fall. Their wait time is quite long recently – the main reason we didn’t take our baby there this time. But I do have past interactions with doc there and I think he is good. This reminds me another thing: I need to look for a PCP again because the PCP I saw earlier this year moved away.

Customer Service etc.

Concierge (Customer Service Specialist): noticed concierge came to us when we were waiting at the ER waiting area on Monday 9/9, and she offered water, snacks etc. We saw customer service specialist during the hospital stay (inpatient) later as well.

Family Center: it’s at the 3rd floor of children’s hospital. I saw volunteers. They have coffee, drink, snacks and laundry services.

Ronald McDonald House

Education (missing school): the education specialist came on Monday 9/16 asked if we need anything school related.

Therapy Dog: this is probably one of the highlights during our little baby’s stay.

Appointment Helper for PCP (Primary Care Physician, or Pediatrician in this case).

Overall they are trying to make the place nice, welcoming etc. More like a hotel, vs a traditional hospital.

Parking, Meals, and Odds and Ends

Parking is free for the parents. One thing: don’t use the parent badge directly if you go in the 1st time using your car, which is more likely in the case of St. Louis metro area parents. The reason is if you come in using parent badge, you won’t have entry ticket – which is handy when you leave the hospital. Another reason is we need to turn in the parent badge when we leave. Today I had to use #lostTicket feature because I gave my entry ticket to my wife. It’s not a big deal, $16 is the cost of the parking fee. I noticed quite a few people (hospital workers?) parked along the Kingshighway Blvd across the street. Probably to save some parking fees.

Meal is included for the patients and two caregivers: it seems breakfast and dinner at the cafeteria, with some limitations; and lunch is available via a phone call. We didn’t order lunch btw. Our baby ordered her meals via the SamSung tablet.

There are some outdoor areas on the rooftop (8th floor) for kids/families to walk around.

The window view from the 10th floor room is also pretty good: we are facing kings highway blvd and can see forest park and nearby buildings in the area. I will attach couple pictures of the window view shortly. I also walked at the forest park once; and went to the shake shack at Euclid road once (I went there often when I was working at Cortex in year 2019 and 2020 before pandemic).

Bills

I just paid all the urgent care and pediatricians’ bills on myuhc.com via the HSA account (and SSO). Personally, I like this electronic version of dashboard/payments better than the good old paper-based approach. Guess how much I paid so far (note this is before the ER/Inpatient bills from the children’s hospital, which I estimate to be in thousands)? I paid about $900 so far.

Lessons learned

One thing I learned from all this, I think, is that choose urgent care place wisely, or try to see pediatrician 1st. On two occasions, Monday Labor Day 9/2 and Sunday 9/8 I took our little one to two urgent care places, and they cost about $300 per trip, and the 1st trip (9/2) didn’t diagnose the pneumonia (or maybe she didn’t have it at the time, but we didn’t do X-ray on 9/2, and she was diagnosed on 9/5 Thursday at Pediatrician office).

Also not all urgent care places are the same. In my old and current neighborhood, I recommend going to the Total Access Urgent Care (TAUC) at Creve Coeur (next to the Noodles co and Walgreens), and the St. Lukes Urgent Care (next to the CVS). The reason I didn’t go to TAUC 1st this time is mainly the wait time: 1st time it suggested about 7 hours wait time, the second time about 2 hours. But again sometimes, maybe a lot of times good things (and good doctors) are worth to wait.

How much will be overall bill cost? I am making a wild guess: between ER and the inpatient at Children’s Hospital, I am guessing I likely need to pay $5000 to $10,000, after the insurance discount. Over the years the US healthcare cost skyrocketed as well as the insurance premium. I recall back probably in year 2001, more than 20 years ago, I only paid about $10 or $15 for the tonsil removal surgery (for my then significant other). The hospital bills for our two babies are about $1,500 for normal delivery and hospital stay (2 nights, if my memory is correct) at Mercy St. Louis. Regarding ER, I mentioned I went to Mercy ER in year 2006, and the bill was about $800 then. The insurance company initially didn’t want to pay: I called them and they paid eventually.

Last but not least, if you like to read more, I talked about American Healthcare systems and hospitals in the past (here are post one, two, and three in a series, also this one).

(Update 09-19-2024) It appears that I got a scammer call yesterday (luckily, I didn’t give you much information). The number is 763 656 5847 (I just did a google search). Anyone the caller claims to be UnitedHealthCare (that’s also from the Caller ID on my iPhone). And the topic is around nurse line or nurse manager (the caller knows my kid’s name and my employer’s name; this leads to me think they are not total 100% scammers). I did some google around this topic too, and here is some of the reddit thread I found (one and two). I just blocked the phone number. Better to err on the cautious side 🙂

(Update 09-25-2024) The 1st batch of bills arrived at myuhc.com, and I paid them all – 9 bills total, and the total is under $1,000 from my side, the insurance company also paid some (after discount).

(Update 10-01-2024) The total for the hospital stay is $1,228.40 so far, per myChart – I paid all via myuhc.com

(Update 10-02-2024) Got the hospital bill, I paid $175.50 via myuhc while the uhc paid more than $1,579.50.

(Update 10-03-2024) I paid hospital $34.06. I think this is likely the tail end of the bills.

(Update 10-05-2024) I summarized my out of pocket expense for the hospital bills: $2,017.16 and the subtotal of pediatrician (3 visits total) and 2 urgent care visits: $959.49. Total is $2,976.65 so far. I believe most bills are created and paid. Again the most important thing is make sure we are healthy.

(Update 10-07-2024) One more bill from the children’s: Plan Paid $28,460.68; You (I) Paid $481.77 => this makes total hospital bill to $2,498.93; also this makes the total out of pocket pay (adding $959.49) to be $3,458.42. I think we may hit a limit or something like that for out of pocket expense for this year.

Categories
kids Life Life Tips

The 3rd week was tough

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Our 10 year old got sick on the 1st day of Labor Day weekend – 8/31 Saturday. She has violin private lesson and we had to do it over the Zoom. Initially we didn’t think too much of it, but on Monday 9/2, as we didn’t see her getting any better we decided to go to urgent care. And now I look back I think I may have chosen the wrong urgent care. The Total Access Urgent Care Creve Coeur has a long wait time, 1st estimate is 6:17 pm when I looked at it at about 11:30 am. Went to the St. Luke’s UC down the road and was told at least one hour wait. So I decided try the new Mercy Go Health at the Dierbergs plaza. The doctor said it’s some sort of viral respiratory infection but didn’t prescribe any medication, we did ruled out Covid and Streps via the tests. The doctor did listen to her lung as well.

Coming home and she wasn’t doing better. On Thursday 9/5 my wife decided taking her to see her normal pediatrician. It turns out to be pneumonia (google: long does child pneumonia last) and antibiotics were prescribed. My wife thought she may get well very quickly. I was not that confident though.

Thursday was also our 14-year-old first cross country meet and I decided to go and provide some support. Friday evening was 14-year-old first pep band performance for the high school’s 1st home football game. We came home exhausted after the game – we had fun.

Today 14 year old decided get some sleep in the morning instead of go to the 8:30 am cross country practice – which I agree. And 10 year old continues her violin lesson via Zoom once more.

Playing Time

Recently 10 year old and I got into a habit of doing some thing together, mainly around board game or something in the evening. On some of the nights I came back home a bit late: mainly because I was picking up my 14 year old. We still try to play something as simple as “spot it” (the game little kids play). Btw, it’s harder to beat the kids on the “Set game” nowadays – for me it’s almost impossible to beat 14 year old. Nowadays I started to appreciate the time spent with my daughters, as I realized my time with them is getting less as they grow up. This is especially true with 14 year old.

I know nowadays we usually want our kids get well soon when they are sick – but sometimes the virus has its own mind, and we just have to be patient 🙂

Reference

Fever or Chills, Age 11 and Younger 

Pneumonia in Children: Care Instructions (alberta.ca)