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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: 802

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: 3607

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: 3607

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: 3607

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: 3700

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: 390

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: 385

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: 1622

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: 2168

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: 716

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: 3310

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: 2697

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: 187

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: 1121

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: 1121

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: 517

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: 3958

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: 3403

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: 3403

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: 1462

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: 1942

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: 13
Views: 1586

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: 13
Views: 1586

Re: Am I crazy to try to tackle all 4 issues at once?

I agree about the EF being first priority, but in your situation, given how late you're starting to think about retirement savings, I might use Roth IRAs (for you and your wife) as a large component of my EF. Only after all available retirement accounts are maxed out would I contribute a dime to 529...
by Rupert
Wed Oct 01, 2014 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to try to tackle all 4 issues at once?
Replies: 29
Views: 3240

Re: Possible Uninsured Motorist accident

Possibly the driver had an old insurance card and the parents recently switched insurance companies? If I were you, I'd let my insurance company handle it. I would not contact the other party directly, as anything you say to them could come back to bite you later. They might, for example, claim you ...
by Rupert
Wed Oct 01, 2014 1:38 pm
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3612

Re: Car (new OR old) for mother & baby

Honda Odyssey. You can get a gently used EX with low mileage for around $25,000. If you're willing to accept the base model LX, you can get one even cheaper. Minivans remain the safest and most convenient means of transporting small children.
by Rupert
Mon Sep 29, 2014 8:40 am
 
Forum: Personal Consumer Issues
Topic: Car (new OR old) for mother & baby
Replies: 19
Views: 1177

Re: Question about medicare, myself, and spouse

You'll need to talk to your employer's benefits person and read your insurance contract carefully. My company's insurance drops you the minute you become eligible for Medicare, but the employer pays some amount towards the cost of Medicare supplemental coverage. Coverage for employee spouses and dep...
by Rupert
Thu Sep 25, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Question about medicare, myself, and spouse
Replies: 9
Views: 835

Re: how to prevent medical expense catastrophe?

We have a non-emergency surgery scheduled for my son, and I have been trying to do my due diligence (esp having read that nytimes article!) I have been flabbergasted at how little information they are willing to give us. We're on phone call #3 or 4 already, and I still don't know how much it will c...
by Rupert
Tue Sep 23, 2014 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 8056

Re: Move Class C Fund

Welcome. No, you're not limited. Edward Jones will liquidate the fund(s) you currently own. You may pay a back-end load or redemption fee on that transaction since they're Class C shares. Then you can roll the cash over into a Vanguard IRA, if that's what you want to do, and buy whatever Vanguard fu...
by Rupert
Tue Sep 23, 2014 1:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Move Class C Fund
Replies: 2
Views: 243

Re: Advice for student buying cheap used car

Best bet by far is to find a well-to-do relative (even a distant uncle) and explain your situation, and ask them to give you a heasd up if they ever think of replacing their current vehicle. You'd be surprised at how many people have perfectly good cars, but have been thinking about upgrading it be...
by Rupert
Tue Sep 23, 2014 12:05 pm
 
Forum: Personal Consumer Issues
Topic: Advice for student buying cheap used car
Replies: 54
Views: 3344

Re: how to prevent medical expense catastrophe?

Since there are several doctors reading and writing in this thread, I would like to ask: would it be better to eliminate insurance entirely? I have said for years that we need to return to paying our providers directly for service. The only reason many of us have health insurance at all is that hea...
by Rupert
Tue Sep 23, 2014 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 8056

Re: Car Accident Responsibility for Borrowed Cars

I Googled the answer for you. Here's what Esurance says: Car insurance follows the car If you're thinking of letting someone drive your car for a few hours, days, or weeks, keep in mind that you're not only lending your car, you're also lending your car insurance. In most states, comprehensive and c...
by Rupert
Mon Sep 22, 2014 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car Accident Responsibility for Borrowed Cars
Replies: 13
Views: 956

Re: how to prevent medical expense catastrophe?

Perhaps this is a naive question but lawyers have gotten many dings in this thread so I'll ask it anyway: As a condition to holding a law license in my state, lawyers must submit to oversight by the State Bar when a client disputes a bill. A client can complain to the State Bar about a lawyer's fee ...
by Rupert
Mon Sep 22, 2014 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 8056

Re: How to pay for Home Addition

You described your house as a "bungalow." Is it historic, and is it in a designated historic district? If not historic, then you can ignore everything that follows. If historic, contact the local body that regulates historic districts before seeing an architect or a contractor. Sometimes t...
by Rupert
Mon Sep 22, 2014 8:30 am
 
Forum: Personal Finance (Not Investing)
Topic: How to pay for Home Addition
Replies: 23
Views: 2194

Re: Home Security System

We had ADT install our home security system 3 years ago. The monthly monitoring fee has remained the same for those 3 years. However, now they want to increase the monthly fee. While I can probably haggle them back to the original fee, this might be a good time to shop around. Can you use a differe...
by Rupert
Sun Sep 21, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: ADT Home Security System
Replies: 9
Views: 1028

Re: Identity theft protection

Just a note to clarify the previous comment: Freezing your credit prevents new accounts opened in your name from affecting your credit. It does not prevent new accounts from being opened in your name. Someone could still steal your identity and open a new account using your information. Somewhat sur...
by Rupert
Sun Sep 21, 2014 7:19 am
 
Forum: Personal Consumer Issues
Topic: Identity theft protection
Replies: 9
Views: 746

Re: We have a grocery problem...

It's hard for two people who work and have long commutes to prepare home-cooked meals. I wouldn't stress about it unless it is causing you actual financial problems. That being said, you could save a lot of money by just brown-bagging lunch and cutting out the fast food. You'd also be healthier. Alt...
by Rupert
Fri Sep 19, 2014 11:32 am
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11181

Re: House broken into--please help

As a PP said, burglars are, generally speaking, not the most sophisticated of criminals. They're looking for stuff they can quickly convert to cash. They probably won't know what to do with the Passport, but there's a rather lucrative market for stolen identity documents in the undocumented alien po...
by Rupert
Fri Sep 19, 2014 8:25 am
 
Forum: Personal Consumer Issues
Topic: House broken into--please help
Replies: 16
Views: 2406

Re: Do you plan trips on your own or use a TA?

There are still travel agents?
by Rupert
Wed Sep 17, 2014 12:14 pm
 
Forum: Personal Consumer Issues
Topic: Do you plan trips on your own or use a [travel agent]?
Replies: 36
Views: 1595

Re: New Laptop, need help

Andyrunner: Not sure if you've pulled the trigger on that new laptop yet. I've read that Microsoft has scheduled a press conference on Sept 30, and it is widely expected that they will make some sort of announcement about the next iteration of Windows, Windows 9, on that date. Rumor has it that Wind...
by Rupert
Tue Sep 16, 2014 9:07 am
 
Forum: Personal Consumer Issues
Topic: New Laptop, need help
Replies: 33
Views: 2275

Re: Good hobby for a bright/obsessive 9 year old?

Most of his hobbies appear to be solo pursuits, and most of the recommendations for new hobbies that I've read so far are also, at least largely, solo pursuits (chess, even tennis). I love introverts, especially nerdy ones, so don't take this the wrong way. But does he play with other kids? It's def...
by Rupert
Mon Sep 15, 2014 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 73
Views: 3315

Re: Should I get an Estate Planner?

Given the probable size of your estate, you should see an estate planning attorney. You need estate tax planning, not just estate planning.
by Rupert
Mon Sep 15, 2014 12:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I get an Estate Planner?
Replies: 9
Views: 802

Re: New Laptop, need help

I've been shopping for laptops lately too and haven't found any deals better than the ones offered by Dell at its website. I think Dell is still fine, although I generally choose them because we use Dells at work and my IT guy has boxes of spare parts (power cords, batteries, etc.) that I'm able to ...
by Rupert
Mon Sep 15, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: New Laptop, need help
Replies: 33
Views: 2275

Re: how to use I-Bonds as an Emergency Fund?

I only consider the value of my redeemable (i.e., older than one year) I Bonds as part of my emergency fund.
by Rupert
Mon Sep 15, 2014 9:12 am
 
Forum: Investing - Help with Personal Investments
Topic: how to use I-Bonds as an Emergency Fund?
Replies: 9
Views: 1237

Re: Car Advice: When to Replace?

I have found that having a roof rack solves many of life's problems. Always have one car with a roof rack.
by Rupert
Sun Sep 14, 2014 10:34 am
 
Forum: Personal Consumer Issues
Topic: Car Advice: When to Replace?
Replies: 37
Views: 2904

Re: New Roof Needed Soon... Advice?

I would echo poster "Alan S" comments above. Get it done right the first time, by a local company you (and your neighbors) trust, which actually honors their warranty, and will come out on a Sunday evening at 8 p.m. in a downpour, which (of course) is when stuff leaks. We just finished ou...
by Rupert
Fri Sep 12, 2014 1:46 pm
 
Forum: Personal Consumer Issues
Topic: New Roof Needed Soon... Advice?
Replies: 48
Views: 3065

Re: What type of assets can a lawyer see that you have?

What's to prevent someone from filing a bogus lawsuit simply for the purpose of discovering someone's assets as a prelude to identity theft? The substantial filing fees that most courts charge today. In federal court, for example, it costs about $400 to file a civil suit. Not to mention the fact th...
by Rupert
Fri Sep 12, 2014 8:38 am
 
Forum: Personal Finance (Not Investing)
Topic: What type of assets can a lawyer see that you have?
Replies: 32
Views: 4216

Re: Neighborhood kid around 13 throwing rocks at my house

Criminal defense lawyer here: Please don't call the police. A charge, even a misdemeanor one like trespassing or criminal mischief, can have lifetime consequences for a kid who is probably just bored. Approach him directly and firmly and say, "Hey kid, I know you're throwing rocks at my house. ...
by Rupert
Fri Sep 12, 2014 8:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3237

Re: Anyone have a house with a pool?

I pay about $400/year for membership for my entire family in a local swim club. It's a five-minute drive, and we can use the Olympic-sized pool as much as we want between Memorial Day and Labor Day. As a bonus, my kids get to compete on the club swim team if they want to. I never have to clean the p...
by Rupert
Thu Sep 11, 2014 8:34 am
 
Forum: Personal Consumer Issues
Topic: Anyone have a house with a pool?
Replies: 32
Views: 2479

Re: Advice for a Vanguard 401(k) plan?

You can offer model portfolios, based on age/expected retirement date and risk tolerance. Or you can hire an hourly-fee advisor to come in periodically to educate the employees about the funds in the plan and make recommendations to them. Or you can just tell them that the employer is not an investm...
by Rupert
Thu Sep 11, 2014 8:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice for a Vanguard 401(k) plan?
Replies: 5
Views: 405
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