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Re: Is it unusual to have NO index fund options in 403(b)?

Sorry. Do you have a 401(k)? If yes, you can hold bonds in your and the S&P500 in portion to the overall desired AA, which will leave your account with a disproportionately high bond position. Then rebalance your account. Sounds it's better to use IRA and potentially your 401(k) before your wif...
by Rupert
Fri Jan 30, 2015 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it unusual to have NO index fund options in 403(b)?
Replies: 10
Views: 458

Re: Is it unusual to have NO index fund options in 403(b)?

This is, sadly, not uncommon in school system 403(b) plans. Visit 403bwise.com, which extensively covers the horrible investments offered in school system 403(b) plans nationwide.
by Rupert
Fri Jan 30, 2015 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Is it unusual to have NO index fund options in 403(b)?
Replies: 10
Views: 458

Re: Financial Considerations for Infertility Treatments

My insurance policy also explicitly says it does not cover any assisted reproductive technology and procedures. But they still paid for all the drugs, blood tests, and ultrasounds during our four IUI procedures, which was the bulk of the cost. The only thing they didn't pay for were the actual IUI p...
by Rupert
Wed Jan 28, 2015 9:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations for Infertility Treatments
Replies: 25
Views: 1649

Re: Need serious help regarding my company's retirement plan

niceguy7376 wrote:Are you contributing to Roth 401k and Roth IRA or to trad 401k and Roth IRA?

Also, what is the logic behind every other year of head of household?


Probably the every other year arrangement is by divorce decree. That's a fairly common arrangement for divorced parents.
by Rupert
Wed Jan 28, 2015 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Need serious help regarding my company's retirement plan
Replies: 13
Views: 1076

Re: Can't access Turbotax Online from Vanguard site

I accessed TT from the Vanguard site yesterday without any problem.
by Rupert
Mon Jan 26, 2015 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can't access Turbotax Online from Vanguard site
Replies: 18
Views: 1269

Re: Is my term life policy quote too high?

Not a good rate. Some companies won't penalize for cancer family history. Find a new agent. This is the best answer. There are a handful of insurance companies who will give you a Preferred Plus rate if one of your parents died of cancer before age 60, but only a handful. You need to get quotes fro...
by Rupert
Mon Jan 26, 2015 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Is my term life policy quote too high?
Replies: 39
Views: 2413

Re: What types of insurance should I buy?

You need term life (not whole or universal), disability, auto, renter's, and umbrella. No, umbrella will not cover renter's liabilities without underlying renter's insurance. Umbrella policies supplement underlying coverages; it doesn't replace them. Consider both long- and short-term disability. Of...
by Rupert
Fri Jan 23, 2015 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: What types of insurance should I buy?
Replies: 7
Views: 664

Re: Women's Face Moisturizer/Lotion

Yeah, I second the advice to be careful with this one. Moisturizer is not something I would ever buy as a gift for someone because it's almost a medicinal item. It's also very personal. It's almost like buying someone deodorant or shampoo. If you really want to do it, I suggest you sneak a peek at t...
by Rupert
Fri Jan 23, 2015 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Women's Face Moisturizer/Lotion
Replies: 51
Views: 3373

Re: Buying life insurance online

I used Accuquote to purchase term life about 6 years ago. The process was painless. I had a phone conversation with a sales person, who then emailed an application that I had to fill out and send back in (can't remember if I emailed that or mailed it). The sales person called me back with a few quot...
by Rupert
Fri Jan 23, 2015 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying life insurance online
Replies: 21
Views: 720

Re: Are 529 plan withdrawals taxable in the future?

According to the press release below, looks like potential taxation would only be on NEW contributions. I certainly hope so! Limit upside-down education savings incentives and consolidate them into a single benefit. The President’s plan would consolidate education savings incentives into one vehicl...
by Rupert
Tue Jan 20, 2015 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are 529 plan withdrawals taxable in the future?
Replies: 20
Views: 1686

Re: 529 Plans Reform

You know, some rich childless person will occasionally start a thread on here about how to use 529s as a tax shelter. Perhaps someone high in the administration is reading . . .
by Rupert
Tue Jan 20, 2015 1:23 pm
 
Forum: Investing - Theory, News & General
Topic: 529 Plans Reform
Replies: 24
Views: 1367

Re: 529 Plans Reform

I think it's completely premature to speculate, much less worry, about this proposal right now. It's not law. It may never become law. And even if the law changes, they might grandfather funds already in 529s. As for what to do while the idea is being tossed around Washington, I think I'll put my co...
by Rupert
Tue Jan 20, 2015 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: 529 Plans Reform
Replies: 24
Views: 1367

Re: How does a dependent care account work?

In effect, $5000 will be deducted by your employer from your taxable income as shown on your W2 you receive. You will to file Form 2446 with your return to confirm that you did spend the actual $5000 on dependent care. Do you mean 2441? I believe you only use that form if you are claiming a depende...
by Rupert
Thu Jan 15, 2015 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: How does a dependent care account work?
Replies: 13
Views: 634

Re: How does a dependent care account work?

For some reason I do not understand how the dependent care account works and when do I realize the tax deduction? I understand that I pay for daycare costs out of pocket each month then submit for reimbursement for that cost. Will I make the $5000 deduction in 2016 for 2015 taxes? Having a brain cr...
by Rupert
Thu Jan 15, 2015 1:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: How does a dependent care account work?
Replies: 13
Views: 634

Re: Parents spending on grandkids

I've given up on trying to control my mother's ridiculous spending on my kids and focus my efforts instead on trying to keep it from damaging my kids. Now that my kids are old enough to appreciate that they are more fortunate than others, I do what a PP does: Every time Grandma brings new stuff, the...
by Rupert
Wed Jan 14, 2015 5:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Parents spending on grandkids
Replies: 23
Views: 1874

Re: Free credit report due to 'fraud alert'

Are you really placing fraud alerts on your credit reports multiple times per year? Are you really a victim of fraud that often? If so, it seems freezing your credit files might be a good idea. When I became a identity theft victim last year, my credit monitoring service placed fraud alerts on my th...
by Rupert
Fri Jan 09, 2015 1:33 pm
 
Forum: Personal Consumer Issues
Topic: Free credit report due to 'fraud alert'
Replies: 1
Views: 463

Re: Should heat be left on?

In sustained sub freezing you should never let your heat go below 55 degrees. If we're talking close to zero temps and/or you have an oddball structure with cold spots or poorly placed pipes, it may need to be higher, like over 65. Remember, the temp on the thermostat is only the temperature where ...
by Rupert
Thu Jan 08, 2015 11:38 am
 
Forum: Personal Consumer Issues
Topic: Should heat be left on?
Replies: 25
Views: 3350

Re: In the event that your employer is hacked...

If I were you, I'd freeze my credit files with all three credit reporting companies (Equifax, Experian, and TransUnion). If you do that, you don't have to pay for credit monitoring services. You will likely have to pay to freeze (and unfreeze when needed) your files though, since you aren't yet an a...
by Rupert
Wed Dec 17, 2014 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: In the event that your employer is hacked...
Replies: 5
Views: 896

Re: A perfect profession

Neuroscience is sort of a fad right now (or it was a fad -- I actually haven't heard much about it in a while). After a feature article about fMRI lie detection in the New York Times Magazine about 7 or 8 years ago, everybody and her sister started majoring in it and colleges/unis started adding or ...
by Rupert
Mon Dec 15, 2014 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: A perfect profession
Replies: 61
Views: 6635

Re: Childrens watch

Have you considered Flik Flak? It's what Swatch now calls itself, and they make Swiss-engineered watches specifically for boys/girls age 7 and over. Not sure they have metal bands, but are you sure he'd want that? I'm not sure metal bands are considered "cool" by kids that age.
by Rupert
Mon Dec 15, 2014 2:07 pm
 
Forum: Personal Consumer Issues
Topic: Childrens watch
Replies: 5
Views: 400

Re: help! suspicious call asking about my SS application

I would just call SSA to confirm the legitimacy of it, but it could be legitimate. SSA offices have toll free numbers that they don't publish; so it won't appear as SSA on caller ID. I know someone who works in the SSA office in my town, and the number I call to reach her is a toll free number, an 8...
by Rupert
Fri Dec 12, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: help! suspicious call asking about my SS application
Replies: 12
Views: 1457

Re: woman's bathrobe gift

Try LL Bean, RedEnvelope, and Boden. $80 is not an unreasonable price for a good bathrobe, but RedEnvelope has a nice on sale right now for about $50.
by Rupert
Tue Dec 09, 2014 5:06 pm
 
Forum: Personal Consumer Issues
Topic: woman's bathrobe gift
Replies: 7
Views: 839

Re: Looking for affordable winter activities.

Thanks for suggestions. We decided to rent for a month or two somewhere in Florida. Now the search for a location and property. Any recommendations would be appreciated. What kind of weather are you hoping for? South Florida weather or just somewhere-warmer-than-Missouri weather? The Florida panhan...
by Rupert
Tue Dec 09, 2014 1:50 pm
 
Forum: Personal Consumer Issues
Topic: Looking for affordable winter activities.
Replies: 19
Views: 1663

Re: Disability INS for homemaker?

Historically, disability insurance could not be obtained for homemakers because disability insurance benefits were based on income reported on tax returns. No tax returns, no income, no disability insurance. I have read something recently about the market evolving though. So it's possible that a pro...
by Rupert
Tue Dec 09, 2014 9:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Disability INS for homemaker?
Replies: 8
Views: 556

Re: mother-in-law wrecked our car

I stupidly caused an accident once that resulted in over $30,000 damage to my car and the other guy's. My auto insurance premium was not increased. I had Allstate at the time.
by Rupert
Fri Dec 05, 2014 1:23 pm
 
Forum: Personal Consumer Issues
Topic: mother-in-law wrecked our car
Replies: 52
Views: 5419

Re: I'm scared - online hacking

Freeze your credit and monitor your accounts. That's all you can do. Choosing awesome passwords will only protect you from small potatoes crooks. It won't protect you from Russia or China. Fortunately, Russia and China probably aren't all that interested in stealing your identity.
by Rupert
Wed Dec 03, 2014 1:46 pm
 
Forum: Personal Consumer Issues
Topic: I'm scared - online hacking
Replies: 44
Views: 5082

Re: 1st Moving Violation Traffic Ticket: Lawyer Up or Pay Fi

Is traffic school not an option for you since it's your first moving violation? If it is, I'd go that route to avoid the points. In my jurisdiction, the cost of attending traffic school is about the same as the cost of a ticket for running a red light.
by Rupert
Wed Dec 03, 2014 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1st Moving Violation Traffic Ticket: Lawyer Up or Pay Fine?
Replies: 18
Views: 1406

Re: 403(b) Difficulties - please advise!

I've been in a similar situation, and it took me almost 7 years to convince my small company (much smaller than your wife's) to change 403(b) providers. Some PP have asked good questions that you need to answer before proceeding: First, are you certain her 403(b) plan is an ERISA plan? Some 403(b) p...
by Rupert
Tue Nov 18, 2014 10:31 am
 
Forum: Investing - Help with Personal Investments
Topic: 403(b) Difficulties - please advise!
Replies: 9
Views: 1116

Re: Consider freezing your credit

It looks like putting on a security freeze prevents you from getting a copy of your credit report or using services like Credit Karma to monitor your score. If so it seems like the freeze has to be instead of self-monitoring, not in addition. Am I understanding it correctly? I don't know the answer...
by Rupert
Fri Nov 14, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 45
Views: 5141

Re: Consider freezing your credit

If the crooks already know your SSN and where you live, etc., can't they also unfreeze your credit? No, because there is a password needed to unfreeze. (This is also why you need to unfreeze it yourself; when you apply for credit, you give the bank your SSN, address, salary, etc., but the bank can'...
by Rupert
Fri Nov 14, 2014 10:11 am
 
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 45
Views: 5141

Re: Consider freezing your credit

It doesn't cost anything to freeze or temporarily unfreeze your credit if you're a victim of identity theft. You have to send in police reports to prove you're a victim. As for freezing kids' credit, I don't think you can do it because the companies aren't allowed to open credit files on someone und...
by Rupert
Thu Nov 13, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 45
Views: 5141

Re: Obligation to Parents?

I am worried that this thread is seriously off topic for the forum I will note that a few states are seriously expanding the legal expectation to support parents (I'm talking litigation not legislation) Dealing with the optimum methods of providing support is, I think a legitimate topic I think the...
by Rupert
Thu Nov 13, 2014 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Obligation to Parents?
Replies: 77
Views: 4340

Re: Health Insurance

I can answer some of your questions but not all. Yes, generally in a PPO you just pay the doctor co-pay. All other charges for doctor visits (both primary care doctors and specialists) are covered by the plan at the contracted rate. With very small children who go to the doctor as often as yours do,...
by Rupert
Wed Nov 12, 2014 2:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance
Replies: 2
Views: 403

Re: Dependent care FSA

Since you have over 5,000 in expenses, can you not do both? Seems silly to consider it double-dipping if the credit is given for expenses other than what your DCFSA reimbursed. That was my first thought, but I read somewhere that this is not allowed. I believe that the credit can not be applied to ...
by Rupert
Tue Nov 11, 2014 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dependent care FSA
Replies: 6
Views: 403

Re: Best microwave to replace kitchen stove

Microwaves are not range/oven replacements. While there are more or less powerful microwaves and more or less reliable microwaves ("reliable" in the sense that some last longer than others), no microwave is "better" than others when it comes to actually preparing food. They all c...
by Rupert
Tue Nov 11, 2014 4:03 pm
 
Forum: Personal Consumer Issues
Topic: Best microwave to replace kitchen stove
Replies: 26
Views: 2192

Re: dad wants to get univ life policy for grandkids

If your dad is really old-school and refuses to consider a 529, suggest that he buy them savings bonds. Either I Bonds or EE Bonds would be a better option than what he's considering.
by Rupert
Mon Nov 10, 2014 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: dad wants to get univ life policy for grandkids
Replies: 21
Views: 2213

Re: 2015: Day Care Flex Spending Account

I researched this when my kids started K4 last year. I decided that since my kids would be attending K4 at a school, not a daycare, (and a very competitive school at that) that it was unwise for me to attempt to use FSA funds for those expenses. However, you can use FSA funds for after school care a...
by Rupert
Thu Nov 06, 2014 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015: Day Care Flex Spending Account
Replies: 6
Views: 784

Re: Ashley Furniture

Ashley sells cheap furniture that is made in China. You can tell it's cheap by the joints, which are glued or stapled together. It will probably look and work perfectly fine for a number of years, but don't expect to pass it down to your children or grandchildren. For that kind of quality, you pay h...
by Rupert
Tue Nov 04, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: Ashley Furniture
Replies: 42
Views: 3738

Re: A Little Common Core Math problem

Solving this problem with equations requires algebra. Since algebra is not being taught at that grade level the students must rely on critical thinking skills. She did solve the problem – and did it without algebra. Not elegant but sufficient. Good for her. +1. And I'm not quite sure I understand h...
by Rupert
Thu Oct 30, 2014 1:44 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 3244

Re: Identity Fraud Help

It happened to me recently. If they have your social security number, you need to place a hard freeze on your credit with each of the three credit reporting agencies. But first you should file a police report, as that will help expedite the process (and force the reporting agencies to offer freezes ...
by Rupert
Thu Oct 23, 2014 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Identity Fraud Help
Replies: 1
Views: 192

Re: What is the best way to sell guns and get the best price

Let's say that someone from Illinois comes to my house and buys the gun in MO (I am close to the boarder) is that ok? Two unlicensed(1) persons cannot transfer a firearm across state lines. You can't sell one to a stranger, give one to your brother, just no interstate transfers at all. Unlicensed p...
by Rupert
Tue Oct 21, 2014 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the best way to sell guns and get the best price?
Replies: 20
Views: 1250

Re: What is the best way to sell guns and get the best price

Be very careful to comply with all local, state, and federal firearm transfer laws. Be especially careful when transferring across a state line. Consult a licensed firearms broker or local law enforcement to make sure you're doing things properly.
by Rupert
Tue Oct 21, 2014 11:59 am
 
Forum: Personal Finance (Not Investing)
Topic: What is the best way to sell guns and get the best price?
Replies: 20
Views: 1250

Re: US Education system investments

I not sure I understand the question. You think parents drop the ball in middle school/high school? As in, you think they're willing to pay for top-notch private pre-k and elementary education but not middle and high school education. I don't think that's true. I think the overwhelming majority of U...
by Rupert
Wed Oct 15, 2014 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: US Education system investments
Replies: 9
Views: 524

Re: You may be getting charged rent for a router/modem you o

There are several prior posts on this issue. Even after you get the problem "fixed," it tends to pop up again at the end of your current contract period with Comcast. So keep watching your bills closely. It happens so frequently and to so many people that I cannot believe it's an accident....
by Rupert
Tue Oct 14, 2014 11:32 am
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 34
Views: 4267

Re: Can I open up a Roth IRA for my 6 year old?

Actually a family I know operates their own business employs their seven year old to do paper shredding every other week. I think he earned about $3,000 last year which they carefully logged and paid at a reasonable rate. Their son contributed most of this to his Roth, and in this case I see nothin...
by Rupert
Mon Oct 06, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Can I open up a Roth IRA for my 6 year old?
Replies: 32
Views: 3518

Re: Can I open up a Roth IRA for my 6 year old?

Actually a family I know operates their own business employs their seven year old to do paper shredding every other week. I think he earned about $3,000 last year which they carefully logged and paid at a reasonable rate. Their son contributed most of this to his Roth, and in this case I see nothin...
by Rupert
Mon Oct 06, 2014 10:41 am
 
Forum: Investing - Theory, News & General
Topic: Can I open up a Roth IRA for my 6 year old?
Replies: 32
Views: 3518

Re: Identity theft?

Does anyone know if freezing your credit affects having false inquires expunged? Freezing your credit will not result in the inquiry being expunged. Usually, only the merchant who pulled your credit in error can have an inquiry removed. Transunion and Experian will allow a consumer to challenge an ...
by Rupert
Sun Oct 05, 2014 2:53 pm
 
Forum: Personal Consumer Issues
Topic: Identity theft?
Replies: 10
Views: 1563

Re: JPM Chase hacked

Until the hackers and identity thieves are treated and prosecuted for what they are, thieves and criminals, these crimes will continue to escalate. Ummm, they are prosecuted as thieves and criminals when they are caught inside the United States. I represent them everyday. There's a two-year mandato...
by Rupert
Fri Oct 03, 2014 8:04 am
 
Forum: Personal Finance (Not Investing)
Topic: JPM Chase hacked
Replies: 13
Views: 2230

Re: Supreme Court to hear fiduciary duty/high cost funds cas

... While this is a statute of limitations case, the Supreme Court would be (hopefully) affirming the 9th Circuit's judgment that "the defendants were imprudent in deciding to include retail-class shares of three specific mutual funds in the plan menu because they failed to investigate the pos...
by Rupert
Thu Oct 02, 2014 4:18 pm
 
Forum: Investing - Theory, News & General
Topic: Supreme Court to hear fiduciary duty/high cost funds case
Replies: 28
Views: 3658

Re: Supreme Court to hear fiduciary duty/high cost funds cas

The order granting cert is here . Briefs are here . The question presented is as follows: Whether a claim that ERISA plan fiduciaries breached their duty of prudence by offering higher-cost retail-class mutual funds to plan participants, even though identical lower-cost institution-class mutual fun...
by Rupert
Thu Oct 02, 2014 12:36 pm
 
Forum: Investing - Theory, News & General
Topic: Supreme Court to hear fiduciary duty/high cost funds case
Replies: 28
Views: 3658
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