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Re: How to safely sell a big ticket item online

If only a few thousand dollars or less, I'd insist on cash. If more (because some people, including me, are uncomfortable carrying around or transporting large amounts of cash for any length of time), I'd agree to meet them at a branch of their bank and conduct the transaction there. I'd walk to the...
by Rupert
Wed Aug 27, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 26
Views: 922

Re: Husband rear-ended, driver ignoring his insurance

State Farm is paying either way -- either on the other driver's liability policy or on your collision policy. So they should have already told you to get your car repaired. Have they? Just about everything else -- whether the other driver gets a ticket, shows up for court, or ever talks to State Fa...
by Rupert
Tue Aug 26, 2014 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 39
Views: 3411

Re: Husband rear-ended, driver ignoring his insurance

State Farm is paying either way -- either on the other driver's liability policy or on your collision policy. So they should have already told you to get your car repaired. Have they? Just about everything else -- whether the other driver gets a ticket, shows up for court, or ever talks to State Far...
by Rupert
Tue Aug 26, 2014 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 39
Views: 3411

Re: Auto accident today

About 10 years ago I caused an accident that resulted in about $40,000 damages to my car and the other guy's truck. My auto insurance rate (with Allstate) did not increase - at all. In fact, the next year, my rate went down. There is absolutely no good reason not to report this accident to your insu...
by Rupert
Tue Aug 26, 2014 9:12 am
 
Forum: Personal Consumer Issues
Topic: Auto accident today
Replies: 33
Views: 2482

Re: Telling my friends I paid off my houses was a mistake.

I find that people who are addicted to spending money do not like being confronted with persons who live differently; they especially don't like being confronted with persons who are addicted to saving money. They prefer to believe that everyone lives as they do. It's a way of rationalizing their ow...
by Rupert
Mon Aug 25, 2014 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Telling my friends I paid off my house was a mistake.
Replies: 71
Views: 8722

Re: Recalled baby crib - modify to donate to charity?

We've got one of the baby cribs with a removable side that was pulled off the market a few years ago for safety reasons. It has a sliding removable side. The safety issue involved the side pushing out allowing the baby's head to become trapped. It's a very nice crib and we'd like to donate it after...
by Rupert
Mon Aug 25, 2014 11:45 am
 
Forum: Personal Consumer Issues
Topic: Recalled baby crib - modify to donate to charity?
Replies: 10
Views: 564

Re: Starting 403b for company

As others have noted, there are some advantages to going with a 403b over a 401k. For example, there's an additional catchup contribution available to some employees in a 403b that is not available in a 401k. The downside is that many vendors decline to administer 403b plans because they are less fa...
by Rupert
Sat Aug 23, 2014 8:11 am
 
Forum: Investing - Theory, News & General
Topic: Starting 403b for company
Replies: 4
Views: 367

Re: Riders for home insurance?

placeholder wrote:What is the special computer coverage?


My homeowner's policy caps the amount they'll pay to replace a home computer. If you have a lot of or particularly expensive equipment, you need a rider to cover that. It works just like the jewelry rider.
by Rupert
Wed Aug 20, 2014 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Riders for home insurance?
Replies: 3
Views: 278

Re: Will you have to pay your parent's long term care costs?

Many of these laws have been on the books forever but have been rarely enforced. I've long suspected that if/when entitlement plan benefits begin to shrink in the coming decades states might start enforcing these laws again as a way to keep the elderly off state public assistance. The burden will sh...
by Rupert
Wed Aug 20, 2014 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Will you have to pay your parent's long term care costs?
Replies: 57
Views: 3853

Re: Riders for home insurance?

If you live in an historic district or other unique neighborhood, you might consider something I think is called a "regulatory rider." It often costs more to rebuild in such places because you have to comply with the special rules that apply to historic or other unique neighborhoods.
by Rupert
Wed Aug 20, 2014 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Riders for home insurance?
Replies: 3
Views: 278

Re: Using an advisor for fudiciary guidance

My small company retains an advisor for our 403(b) plan who provides almost exactly the same services you list with only a few exceptions. We hired him to conduct a fiduciary review of our plan a few years ago and liked him so much we kept him on to market our plan and then advise our plan committee...
by Rupert
Tue Aug 19, 2014 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using [a 401(k)] advisor for fiduciary guidance
Replies: 28
Views: 2251

Re: identity theft - stolen rental car

Definitely visit the Federal Trade Commission's website. It's a great resource with step-by-step instructions for victims of identity theft. If I were him, I'd freeze my credit with all three reporting bureaus. It's a hassle. So tell him to prepare to spend some time on it. That will prevent any fut...
by Rupert
Tue Aug 19, 2014 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: identity theft - stolen rental car
Replies: 2
Views: 565

Re: questions about shop vac / house vac older hom

I was under the impression that the term "HEPA" does not have a standardized meaning in the United States, at least not for consumer products. Please correct me if I'm wrong. The term does have a standardized meaning in Europe, i.e., all particles of a certain size must be captured by the ...
by Rupert
Tue Aug 19, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: questions about shop vac / house vac older hom
Replies: 6
Views: 463

Re: Alarm company wants me to waive rights

The insurance company only has a "right" of subrogation if the homeowner has a "right" to collect from the alarm company. So a homeowner's contractual waiver of the right to collect from the alarm company destroys the insurance company's "right" to subrogation. In othe...
by Rupert
Mon Aug 18, 2014 2:18 pm
 
Forum: Personal Consumer Issues
Topic: Alarm company wants me to waive rights
Replies: 13
Views: 1118

Re: Alarm company wants me to waive rights

The insurance company only has a "right" of subrogation if the homeowner has a "right" to collect from the alarm company. So a homeowner's contractual waiver of the right to collect from the alarm company destroys the insurance company's "right" to subrogation. In othe...
by Rupert
Mon Aug 18, 2014 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Alarm company wants me to waive rights
Replies: 13
Views: 1118

Re: Alarm company wants me to waive rights

The insurance company only has a "right" of subrogation if the homeowner has a "right" to collect from the alarm company. So a homeowner's contractual waiver of the right to collect from the alarm company destroys the insurance company's "right" to subrogation. In other...
by Rupert
Mon Aug 18, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Alarm company wants me to waive rights
Replies: 13
Views: 1118

Re: House, mortgage and no will -- if parents pass away

Also, don't forget: The child would be eligible to collect social security until age 18. That may go a long way to covering the child's monthly living expenses, without having to touch the Vanguard funds.
by Rupert
Thu Aug 14, 2014 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: House, mortgage and no will -- if parents pass away
Replies: 12
Views: 1037

Re: House, mortgage and no will -- if parents pass away

To respond to tadamsmar's comment: Even when parents have a will and designate a guardian, the court still has to appoint the guardian. The court can (and must, if the parents' choice is not in the best interests of the child) overrule the parents' wishes. I imagine what would happen in this scenari...
by Rupert
Thu Aug 14, 2014 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: House, mortgage and no will -- if parents pass away
Replies: 12
Views: 1037

Re: Amazon Gift Card Fraud

File a police report with your local police department. Then send copies of the report to Amazon and American Express. They will take you seriously then. But first double check it wasn't someone in your household who bought the cards.
by Rupert
Wed Aug 13, 2014 9:53 am
 
Forum: Personal Consumer Issues
Topic: Amazon Gift Card Fraud
Replies: 30
Views: 2631

Re: Wife Pregnant on Bed Rest- Help with existing std and lt

Does your wife's policy require her to use up all paid annual and sick leave before it kicks in? Some policies wont' kick in until the employer stops paying salary. So check that. Also, be sure to get a second opinion on the bed rest order. I believe it is a somewhat controversial subject.
by Rupert
Wed Aug 13, 2014 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife Pregnant on Bed Rest- Help with existing std and ltd
Replies: 7
Views: 1501

Re: Vanguard and multifactor authentication

Sorry for misleading you. Vanguard's computer security has been the subject of many threads lately so I (wrongly) assumed everyone would know what I was talking about. I amended the title of my post.
by Rupert
Fri Aug 08, 2014 4:48 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard computer security update
Replies: 3
Views: 420

Vanguard computer security update

Ron Lieber at the NY Times is reporting this afternoon that Vanguard will implement some form of multifactor authentication by the end of this year. FYI. http://www.nytimes.com/2014/08/09/your-money/how-to-thwart-hackers-from-financial-accounts.html?hp&action=click&pgtype=Homepage&versio...
by Rupert
Fri Aug 08, 2014 4:41 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard computer security update
Replies: 3
Views: 420

Re: your eye doctor; your eyes....

So do you folks go to an ophthalmologist for something like pink eye? [Medical advice removed by admin LadyGeek] If I suspected something as simple as pink eye, I'd see the family doctor. My co-pay is lower. If the family doctor thinks it's more serious than simple pink eye, she'll refer me to the ...
by Rupert
Thu Aug 07, 2014 5:36 pm
 
Forum: Personal Consumer Issues
Topic: your eye doctor; your eyes....
Replies: 41
Views: 3275

Re: Looking for advice on creating a Will

What happens if you have more children? Do you have to draw up a whole new Will? Or can it be amended? It depends. If your will leaves your estate equally to all your children, no need to change it. If you later have a child with special needs, that would be a good reason to change it. Wills can be...
by Rupert
Thu Aug 07, 2014 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on creating a Will
Replies: 39
Views: 2426

Re: your eye doctor; your eyes....

chaz wrote:An optometrist is not an MD.


Exactly. So you see an optometrist for a prescription. You see an opthalmologist for a diagnosis.
by Rupert
Thu Aug 07, 2014 3:22 pm
 
Forum: Personal Consumer Issues
Topic: your eye doctor; your eyes....
Replies: 41
Views: 3275

Re: What Used Car Should I Get for <10K

2004 Acura TSX. It's on the Edmund's best used cars for under 10K list.
by Rupert
Wed Aug 06, 2014 8:46 pm
 
Forum: Personal Consumer Issues
Topic: What Used Car Should I Get for <10K
Replies: 30
Views: 2466

Re: Fraudulent Charges Mystery

I've had situations where a physical card was present that wasn't mine as well as online purchases. I've stopped asking is this or that kind of stuff possible, it's really an irrelevant question. I just call my card company or they call me and cancel the account and get a new card and move on. Anyt...
by Rupert
Tue Jul 29, 2014 9:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Fraudulent Charges Mystery
Replies: 21
Views: 2794

Re: POLL: My home is worth less/more in 2014 than in 2007?

Everybody keeps saying Zillow is awful. If Zillow is really bad, why not suggest a different website so that one can estimate the value? If there's no other website, then can you propose a method to estimate the values in 2007 and 2014? Since I don't know what else to do, I used Zillow. I would've ...
by Rupert
Mon Jul 28, 2014 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 5726

Re: Kitchen Remodel... Or Not?

Don't forget that old houses are full of old lead paint and/or asbestos. Asbestos was sometimes mixed into plaster and joint compound. Those bumpy ceilings that people hate so much these days also often contain it as well. (I shudder every time someone tells me they just had their ceilings "scr...
by Rupert
Mon Jul 28, 2014 3:41 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel... Or Not?
Replies: 53
Views: 2899

Re: USAA Homeowners Insurance

Thanks to all for the replies thus far. I recently increased my coverage to take into account a significant renovation/remodeling that is currently underway. However, I am comparing apples to apples in this situation because the new limits went into effect before the the new premiums were determine...
by Rupert
Mon Jul 28, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA Homeowners Insurance Rate Hike
Replies: 10
Views: 2190

Re: Kitchen Remodel... Or Not?

I live in a 25 year old house and if I had your income and the ability to do all the work in a few days, I'd knock it down tomorrow and build a new one. Well, ok, I'd actually rather be in a slightly different location, but that's not the point, I'm talking about the quality of the house itself - a...
by Rupert
Mon Jul 28, 2014 10:01 am
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel... Or Not?
Replies: 53
Views: 2899

Re: Lawyer Up? Advice Needed

Do you personally know any lawyers? If you do, regardless of their specialties, ask them if they know any reputable personal-injury attorneys with experience in products liability and/or medical malpractice. Either should be a good option. This is likely a very easy case from a liability standpoint...
by Rupert
Thu Jul 24, 2014 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obtaining Legal Counsel?
Replies: 51
Views: 3407

Re: Steps to take to prevent ID theft?

Unfortunately, no, they don't always show up immediately. I found out in June that my identity had been used to open a fraudulent account last November. Fortunately, I had signed up for free credit monitoring offered by Target after their data breach last year. The monitoring service alerted me when...
by Rupert
Thu Jul 24, 2014 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Steps to take to prevent ID theft?
Replies: 22
Views: 2442

Re: 2014 Honda Civic EX-L vs 2014 Acura ILX(Base)

Get a slightly used Acura TSX instead.The TSX is a really great car. I've been driving one for 10 years. (And, btw, it's the Acura most comparable to an Accord, not the TL). If you want the smaller engine/better gas mileage of the ILX/Civic, I'd vote for the ILX. You'll get some of the price differe...
by Rupert
Thu Jul 24, 2014 1:39 pm
 
Forum: Personal Consumer Issues
Topic: 2014 Honda Civic EX-L vs 2014 Acura ILX(Base)
Replies: 49
Views: 3389

Re: Steps to take to prevent ID theft?

The PP was correct -- the credit card fraud is nothing. The credit karma/potential ID theft is a much bigger issue. New accounts may have been opened using your identity. Usually thieves buy cellphones and open cellphone accounts and/or open new credit card accounts with stolen identities. You need ...
by Rupert
Thu Jul 24, 2014 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Steps to take to prevent ID theft?
Replies: 22
Views: 2442

Re: Need advice re hearing aid for small child

Please seek advice only from a qualified healthcare professional. Make sure you ask one that gets commission/kick backs for each hearing aid they sell. :oops: This is a problem I'm discovering. Audiology services are often bundled with the price of the hearing aid. How can you tell you're getting g...
by Rupert
Thu Jul 24, 2014 9:56 am
 
Forum: Personal Consumer Issues
Topic: Need advice re hearing aid for small child
Replies: 22
Views: 1343

Re: Need advice re hearing aid for small child

As for your questions concerning whether we really need the aids, I'm not 100% sure right now. The ENT said that it has been his experience that most hearing-impaired kids need an aid of some sort in the classroom setting. He thinks she'll do fine without aids in most other settings. When your ENT ...
by Rupert
Mon Jul 21, 2014 7:39 pm
 
Forum: Personal Consumer Issues
Topic: Need advice re hearing aid for small child
Replies: 22
Views: 1343

Re: Need advice re hearing aid for small child

Thank you all for replying. My insurance, BCBS, doesn't pay anything for hearing aids or audiologist visits for the purpose of fitting hearings aids. So we're on our own. The university audiologist referred us to a state-run program that offers pediatric audiology services on a sliding scale. I'm ce...
by Rupert
Mon Jul 21, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: Need advice re hearing aid for small child
Replies: 22
Views: 1343

Re: What is reasonable for 403b fees?

Your fees are not reasonable, and your small plan can do better. But I'd be willing to bet that the folks who set it up know next to nothing about retirement plans and investments. They likely chose Nationwide because Nationwide promised to do everything for them -- choose investments, fill out the ...
by Rupert
Mon Jul 21, 2014 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: What is reasonable for 403b fees?
Replies: 21
Views: 1099

Need advice re hearing aid for small child

Has anyone here had to buy a hearing aid for a small child? If so, do you have any advice for me as I begin shopping for a hearing aid for my five year old daughter? What's a reasonable price (or reasonable range of prices) to pay for a single BTE aid for a child? What other questions should I be as...
by Rupert
Mon Jul 21, 2014 10:16 am
 
Forum: Personal Consumer Issues
Topic: Need advice re hearing aid for small child
Replies: 22
Views: 1343

Re: Income change budget adjustments

What does "58k in automobile equity" mean? Do you still owe anything on your automobiles? Is there a good reason you own so many and/or such expensive automobiles, i.e., is it necessary for your business? If not, and given that neither you nor your wife commute, I'd recommend exchanging so...
by Rupert
Wed Jul 16, 2014 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Income change budget adjustments
Replies: 16
Views: 1533

Re: Retirement Plan Review

I don't think you're too conservative. You did well in choosing funds but you might want to rethink holding all your bonds in a Roth IRA, especially when you have a decently priced bond index option in your 457. Most folks prefer to hold high growth potential stocks in their Roth because the growth ...
by Rupert
Wed Jul 16, 2014 12:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Plan Review: How'd we do???
Replies: 2
Views: 466

Re: A question for the Bogleladies or those who can consult

First, are you sure she'll appreciate this gift? Some women do not like fancy underthings. They wear Jockey for a reason. Second, are you sure this gift is not for you, instead of her? On many an occasion I have encountered men shopping in stores like Victoria's Secret and thought to myself: "O...
by Rupert
Tue Jul 15, 2014 12:54 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 5841

Re: Newbie whole life insurance policy question

IMHO, a 28-year-old single guy really doesn't need life insurance at all, let alone whole life. But if you're planning a family in the foreseeable future, it might make sense to buy term while you're still young and healthy.
by Rupert
Mon Jul 14, 2014 5:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie whole life insurance policy question
Replies: 30
Views: 2398

Re: Rebalancing question - where to buy bonds

Are those taxable accounts also for retirement? If not, do want 80/20 in your entire portfolio or just in your retirement portfolio? Answering these questions will help us help you.
by Rupert
Mon Jul 14, 2014 3:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing question - where to buy bonds
Replies: 6
Views: 557

Re: Review the 401k proposal i received

There are so many questions to ask. These are just off the top of my head: Do you have a plan now, or will this be your first plan? Is Paychex just the TPA? If so, who is the custodian? Does the setup fee include drafting the plan document? What if the plan document needs to be amended down the road...
by Rupert
Mon Jul 14, 2014 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Review the 401k proposal i received
Replies: 10
Views: 872

Re: need guidance with 401k and taxable account

Can you do Roth IRAs at all or is your income too high? As for your 401ks, I'd invest solely in the S&P 500 Index fund and the intermediate bond fund. I would use Roth or taxable space to invest in: (1) small and mid-cap US stock index funds (or a single extended market index fund, which is comp...
by Rupert
Mon Jul 14, 2014 1:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: need guidance with 401k and taxable account
Replies: 6
Views: 1217

Re: Family cabin planning

I wouldn't try to ditch it; I'd try to own it. Personal vacation homes in national parks are rare and special. But legally this is a really complicated situation. I would consult an attorney to see if there is some way to force a sale/settlement within the family. Hate to say it because suing family...
by Rupert
Fri Jul 11, 2014 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family cabin [Estate] planning
Replies: 25
Views: 1995

Re: Inservice distribution 403b

I believe that linked article is wrong. You have to be 59.5 to do an in-service rollover without it being a taxable event, unless a qualifying event occurs (e.g., termination, disability, hardship).
by Rupert
Thu Jul 10, 2014 4:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inservice distribution 403b
Replies: 14
Views: 490

Re: Affordable health insurance

Are your health issues serious enough that you might qualify for social security disability payments? If so, you might also qualify for Medicare early.
by Rupert
Tue Jul 08, 2014 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Affordable health insurance
Replies: 33
Views: 3008
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