Search found 696 matches

by Rupert
Thu Jul 02, 2015 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Life insurance/Social Security Widow Benefit
Replies: 5
Views: 544

Re: Life insurance/Social Security Widow Benefit

I considered it before deciding how much insurance to purchase initially. Make sure you completely understand how it works though. There's a cap on family benefits called the maximum family benefit. If memory serves, the maximum combined benefit is 150-180% of the deceased's benefit amount. Your sur...
by Rupert
Thu Jul 02, 2015 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Mom's Employer - Lots of Issues
Replies: 19
Views: 2416

Re: Mom's Employer - Lots of Issues

Back to the lawyer thing... You should be able to get a free consultation with a lawyer to determine if (s)he thinks it is worth pursuing a lawsuit. I'm leaning on advising my mom to consider that route. My parents' personal attorney is a very high ranking criminal prosecutor in our county in a lar...
by Rupert
Tue Jun 30, 2015 10:34 am
Forum: Investing - Help with Personal Investments
Topic: 401k Contribution Deadline
Replies: 2
Views: 217

Re: 401k Contribution Deadline

The deadline for 401k contributions is the end of the calendar year (December 31). You can contribute to a Roth IRA up to the tax filing deadline.
by Rupert
Tue Jun 30, 2015 9:51 am
Forum: Personal Consumer Issues
Topic: Fair compensation for change of delivery date without been notified
Replies: 19
Views: 1609

Re: Fair compensation for change of delivery date without been notified

If I only had a $25 gift card for every time I took off work to meet the cable guy who never showed up . . . You're lucky if you get a "sorry" out of them.
by Rupert
Tue Jun 30, 2015 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Two Discover Cards - different interest rates?
Replies: 3
Views: 255

Re: Two Discover Cards - different interest rates?

The interest rate can be affected by a lot of things, including how often the card is used and whether the cardholder carries a balance. Just pay the balance every month (that's the Boglehead Way, after all), and you never have to care what the interest rate is because you never pay interest.
by Rupert
Mon Jun 29, 2015 11:11 am
Forum: Personal Consumer Issues
Topic: Is there a good basic investing book for an 11 year old girl?
Replies: 13
Views: 794

Re: Is there a good basic investing book for an 11 year old girl?

Here's an idea (one that was sorta used in my high school economics class): Have her do some research and then pick two or three stocks to "invest" in, i.e., hypothetically purchase. Have her follow their returns over the course of a year and then cash out at the end of the year. You pay h...
by Rupert
Mon Jun 29, 2015 9:39 am
Forum: Investing - Help with Personal Investments
Topic: 401k and high er fees
Replies: 8
Views: 544

Re: 401k and high er fees

There are tons of prior threads on this topic. Do a search. Re your wife's employer's personal interest in changing to a better plan: You would think bosses would be interested in lower fees for themselves, but not always. Often the high-fee plans like hers are high-fee because the employer chooses ...
by Rupert
Mon Jun 29, 2015 9:28 am
Forum: Personal Consumer Issues
Topic: Flame Retardants
Replies: 6
Views: 520

Re: Flame Retardants

California is often ahead of the rest of the nation in banning harmful chemicals. The rest of the nation often follows. That being said, those same chemicals are also probably in your carpets, in the Scotch-Guard on your sofa, on your kids' pajamas, and on your non-iron shirts. It's almost impossibl...
by Rupert
Tue Jun 23, 2015 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Savings Plan - Do not have a child right now! (at least I don't think)!!
Replies: 7
Views: 742

Re: 529 Savings Plan - Do not have a child right now! (at least I don't think)!!

Do not start a 529 for hypothetical children. At least wait until you're married and/or in a committed relationship and start actively trying to create/adopt actual children. I say this for two reasons: First, infertility happens to lots of people, and some people try to have kids for years and then...
by Rupert
Mon Jun 22, 2015 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Moving to LCOL state
Replies: 19
Views: 2311

Re: Moving to LCOL state

It's always (or nearly always) a good idea to rent for a while in a new area, particularly when you have school-age children. You'll need some time to get the lay of the land and understand how the schools work, where the really good schools are, etc. Living in a LCOL area myself, let me warn you ab...
by Rupert
Thu Jun 18, 2015 11:16 am
Forum: Personal Consumer Issues
Topic: New to Golf
Replies: 45
Views: 4713

Re: New to Golf

Buy a good set of used clubs on Craigslist or Ebay or from someone you know. Avid golfers are always upgrading their clubs and, thus, always have used clubs to sell. Don't buy the junk they sell in big-box stores. Those are usually low-end (very low-end). A good set of irons, bought new, will cost y...
by Rupert
Wed Jun 17, 2015 1:33 pm
Forum: Personal Consumer Issues
Topic: Disney World Orlando Advice
Replies: 36
Views: 3088

Re: Disney World Orlando Advice

The previous posters are not kidding about the crowds during that week. You will literally be standing shoulder to shoulder with other people on almost every square inch of the property. The good rides will have lines over an hour long. That's fine for teenagers, but miserable with small children. J...
by Rupert
Wed Jun 17, 2015 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Call from debt collector, should I follow up
Replies: 19
Views: 2538

Re: Call from debt collector, should I follow up

Sometimes they are looking for someone with your same name, but not actually looking for you. I would call them and ask what the debt is for. Under federal law, they have to tell you that. Then tell them they've got the wrong person if it isn't you. The calls usually stop after that. Also check your...
by Rupert
Tue Jun 16, 2015 10:29 am
Forum: Personal Consumer Issues
Topic: Most Beautiful Nature Destinations
Replies: 50
Views: 6149

Re: Most Beautiful Nature Destinations

I loved the Going-to-the-Sun Road in Glacier NP and the hike that begins at the Logan Pass Visitor Center. I also recommend crossing over into Alberta and seeing the Canadian side of the park, called Waterton. The Prince of Wales hotel there is an experience unto itself.
by Rupert
Tue Jun 16, 2015 8:41 am
Forum: Personal Consumer Issues
Topic: Amazon Add-On Items: Can you buy without spending $25?
Replies: 19
Views: 1873

Re: Amazon Add-On Items: Can you buy without spending $25?

I keep an Amazon shopping list of items that I have to replace a couple or several times a year, such as vacuum cleaner bags, refrigerator filters, air filters for my car, etc., and when I run into an add-on item problem at Amazon, I just add one or two of those shopping list items to my shopping ca...
by Rupert
Mon Jun 15, 2015 1:34 pm
Forum: Personal Consumer Issues
Topic: Coffee - just starting out
Replies: 43
Views: 5344

Re: Coffee - just starting out

I drink gallons of coffee. In fact I had two big mugs this morning before 10:00 and will probably have a couple more before the day’s over. I assume you know caffeine is addictive. It’s too late for me, but if you aren’t already hooked from the cokes you might want to try a more healthy lifestyle a...
by Rupert
Mon Jun 15, 2015 10:30 am
Forum: Personal Consumer Issues
Topic: Coffee - just starting out
Replies: 43
Views: 5344

Re: Coffee - just starting out

I drink gallons of coffee. In fact I had two big mugs this morning before 10:00 and will probably have a couple more before the day’s over. I assume you know caffeine is addictive. It’s too late for me, but if you aren’t already hooked from the cokes you might want to try a more healthy lifestyle a...
by Rupert
Fri Jun 12, 2015 1:37 pm
Forum: Personal Consumer Issues
Topic: Which is a best place to start learning yoga?
Replies: 31
Views: 2983

Re: Which is a best place to start learning yoga?

I'm not a senior citizen, but I take yoga at my local senior citizens' center. Anyone over age 21 can join, and it's really cheap (because it's subsidized by my community and the United Way). Most of the folks in my class are in their 50s or 60s and have mild limitations of some sort -- arthritis, e...
by Rupert
Fri Jun 12, 2015 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: identity theft continued
Replies: 11
Views: 1645

Re: identity theft continued

You'll drive yourself crazy trying to figure out why criminals do the things they do. Someone stole the credit card number of a friend of mine and used it to donate $10,000 to Doctors Without Borders. :confused
by Rupert
Fri Jun 12, 2015 8:47 am
Forum: Personal Consumer Issues
Topic: Shoe Recommendations for a one year old
Replies: 10
Views: 691

Re: Shoe Recommendations for a one year old

At a year old, I wouldn't put shoes on him/her or I would buy something with smooth soles, such as Robeez. It may seem like a good idea to put them in rubber soles, but grippy shoes actually make them trip more, not less, because they're still so top heavy at that age. Once my kids were 18 months ol...
by Rupert
Thu Jun 11, 2015 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan Refi - Releasing the cosigner
Replies: 11
Views: 1054

Re: Student Loan Refi - Releasing the cosigner

Are you sure that someone making $125,000+ a year needs a co-signer to refinance? I wouldn't think so. If you really want to help her out, gift her money to pay down her debt. Don't risk your own financial security so she can qualify for a better interest rate.
by Rupert
Thu Jun 11, 2015 10:02 am
Forum: Personal Consumer Issues
Topic: Online shopping account hacked
Replies: 22
Views: 3155

Re: Online shopping account hacked

Are you sure you don't have keylogging malware on the computer you use to access Walmart.com?
by Rupert
Wed Jun 10, 2015 8:53 am
Forum: Personal Consumer Issues
Topic: Airline flight booking
Replies: 22
Views: 2990

Re: Airline flight booking

Curious about the least expensive ways to book overseas flight from the US and I'm very interested in finding out what others use/ have used. I would like to take a trip over to Paris but it has been a while since my last overseas excursion. Also, has anyone looked into booking thru a charter compa...
by Rupert
Tue Jun 09, 2015 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Provider asking for Social
Replies: 12
Views: 857

Re: Health Insurance Provider asking for Social

I've been through this many times and... I've caved. The first time was actually a good twenty years ago. My employer's health insurer wanted it. I requested that they use something else. They said they couldn't. I called Social Security and asked "Do I need to give it to them?" Their inf...
by Rupert
Tue Jun 09, 2015 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Provider asking for Social
Replies: 12
Views: 857

Re: Health Insurance Provider asking for Social

rkhusky wrote:I received the request and I don't intend to comply. After my insurers data files were hacked, I am just as glad they don't have my family's SS#'s. They can send the form without the SS numbers, which will be on my tax forms.


You do realize that the IRS was also hacked this year?
by Rupert
Tue Jun 09, 2015 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Provider asking for Social
Replies: 12
Views: 857

Re: Health Insurance Provider asking for Social

A quick Google search revealed that, yes, insurers do have to report your coverage to the IRS. See http://www.treasury.gov/press-center/press-releases/Pages/jl2310.aspx. Also, it's always been pretty standard for health insurers to demand your social security number and the numbers for your dependen...
by Rupert
Fri Jun 05, 2015 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Does too high initial house asking price kill chance at selling house?
Replies: 50
Views: 4750

Re: Does too high initial house asking price kill chance at selling house?

I would have a second appraisal done if I disagreed with the first one. The problem with listing that high above appraised value is that any buyer who actually offers to pay list price will have trouble obtaining financing. You will be limiting yourself to cash buyers.
by Rupert
Fri Jun 05, 2015 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Banker/Attorney (loan) question
Replies: 14
Views: 1221

Re: Banker/Attorney (loan) question

It's pretty obvious that you need to admit one banker and one lawyer as members of the club. It's just like choosing members of the board of directors for a nonprofit: you choose professionals who can give you free advice that you would otherwise have to pay for.
by Rupert
Thu Jun 04, 2015 1:54 pm
Forum: Personal Consumer Issues
Topic: Rowing Machines
Replies: 27
Views: 1977

Re: Rowing Machines

What exactly is wrong with your back? I ask because I have a particular back problem for which rowing is absolutely contraindicated, as in my doctors and physical therapists have explicitly told me not to row. So be sure you run this by your medical professionals before investing in a machine. The b...
by Rupert
Thu Jun 04, 2015 1:12 pm
Forum: Personal Consumer Issues
Topic: Downside of placing a credit freeze?
Replies: 21
Views: 2518

Re: Downside of placing a credit freeze?

All your existing creditors continue to have access to your credit reports after you place a freeze. So your homeowners insurance, credit card companies that report your credit score to you, etc., will not be affected by a freeze. You only run into problems when you apply for new credit or open new ...
by Rupert
Thu Jun 04, 2015 11:32 am
Forum: Personal Consumer Issues
Topic: Finding a pediatrician - new parents
Replies: 21
Views: 1099

Re: Finding a pediatrician - new parents

Thanks everyone, this was very helpful. With your advice I have narrowed it down to two practices, both within a few miles of our soon-to-be home. Everything is pretty similar between the two, however Practice A is affiliated with the Children's Hospital of Chicago. Practice B has some kind of a co...
by Rupert
Thu Jun 04, 2015 8:48 am
Forum: Personal Consumer Issues
Topic: Finding a pediatrician - new parents
Replies: 21
Views: 1099

Re: Finding a pediatrician - new parents

Be very careful about "interviewing" before you are a patient. This is generally a big red flag of things to come and you risk being seen as wearing a scarlet "PITA" on your forehead. My few pediatrician friends that actually allow this nonsense are also "interviewing"...
by Rupert
Thu Jun 04, 2015 8:37 am
Forum: Personal Finance (Not Investing)
Topic: "free" identity theft protection deal
Replies: 15
Views: 1195

Re: "free" identity theft protection deal

...... I didn't have a Target card, fortunately. So I can't help you with that one. Sorry, musta misconstrued your earlier post. :? I thought you got the one-year subscription to "Protect MyID" as a freebie from Target for being one of their credit card victims. But since you just posted ...
by Rupert
Thu Jun 04, 2015 8:34 am
Forum: Personal Consumer Issues
Topic: Refrigerator--Buy New or Used
Replies: 19
Views: 1471

Re: Refrigerator--Buy New or Used

If you leave the place unoccupied for a length of time, you will have problems with your homeowner's insurance. You may want to talk to your insurance agent before deciding. remember also new refrigerators will use a lot less energy than older ones. Appliances are basically considered disposable th...
by Rupert
Wed Jun 03, 2015 4:05 pm
Forum: Personal Consumer Issues
Topic: Insurance company "outdoor steps need a railing"
Replies: 32
Views: 3546

Re: Insurance company "outdoor steps need a railing"

My son and daughter-in-law have just moved in to their new house; the yard is planted in all sorts of native greenery (upstate NY) sand there are numerous stone paths and flat stones on which to meander. On one end there is are stairs, fairly shallow pitch, composed of sunken railroad ties and smal...
by Rupert
Wed Jun 03, 2015 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: "free" identity theft protection deal
Replies: 15
Views: 1195

Re: "free" identity theft protection deal

... got a year's subscription to ProtectMyID after the Target data theft. ..... A bit off-topic but did I miss something about the Target case ? First thing I discovered after looking up my Experian credit report after signing up for ProtectMyID was the Target Red Card I got less than two years ago...
by Rupert
Wed Jun 03, 2015 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: "free" identity theft protection deal
Replies: 15
Views: 1195

Re: "free" identity theft protection deal

I got a year's subscription to ProtectMyID after the Target data theft. And I'm really glad I did. They flagged an identity theft for me that I likely wouldn't have become aware of for several months. They are a completely legitimate operation, and I didn't have to un-subscribe when my year was over...
by Rupert
Tue Jun 02, 2015 2:23 pm
Forum: Personal Consumer Issues
Topic: Finding a pediatrician - new parents
Replies: 21
Views: 1099

Re: Finding a pediatrician - new parents

Find a practice with multiple doctors that is open on weekends and after hours and has a nurse on call 24/7. You will find that children never get sick during work hours and that they prefer to fall and bang their heads in spectacular fashion on Friday evenings around 9 o'clock.
by Rupert
Mon Jun 01, 2015 8:44 am
Forum: Personal Consumer Issues
Topic: Best way to learn tennis for adult
Replies: 29
Views: 1899

Re: Best way to learn tennis for adult

Definitely start with a beginner clinic at your local public tennis center/parks and rec department. Don't try to teach yourself because you'll just have to go back and unlearn all those bad techniques if you decide to take the sport up seriously. If you find that you enjoy the clinic, then take som...
by Rupert
Thu May 21, 2015 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Coverdell Education Savings Account thoughts
Replies: 6
Views: 519

Re: Coverdell Education Savings Account thoughts

I think the only reason to choose a Coverdell over a 529 would be to use it for primary or secondary, as opposed to college, education. If you're sending your kids to private school, it can be really helpful to start funding a Coverdell when the kids are in elementary school to help pay the costs of...
by Rupert
Thu May 21, 2015 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Invest ONLY After Tax Money Into 401(k)?
Replies: 20
Views: 1923

Re: Invest ONLY After Tax Money Into 401(k)?

Does your employer's 401k plan allow you to roll money out of the plan before you reach 59.5, retire, or terminate employment? Most employer-sponsored plans don't allow it. That's the first problem I see with your strategy.
by Rupert
Thu May 21, 2015 10:39 am
Forum: Personal Consumer Issues
Topic: Teaching maths to a 4 year old
Replies: 31
Views: 2693

Re: Teaching maths to a 4 year old

Is your son in school? I ask because 4 year olds are generally taught pattern recognition in pre-K. That's the earliest sort of formal math education my children received. They started learning basic addition and subtraction as 5 year olds in kindergarten. You might want to check out Kahn Academy if...
by Rupert
Wed May 20, 2015 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds in Roth or Trad IRA??
Replies: 3
Views: 326

Re: Bonds in Roth or Trad IRA??

On video #8 on "getting started" it is recommended to keep bonds in Trad. IRA rather than Roth. I'm new to this and would like help on why. I figured if you put your bonds in a Roth, all the coupon payments for the life of the bond will never be taxed. But in a Trad. IRA, all those coupon...
by Rupert
Mon May 18, 2015 11:08 am
Forum: Investing - Theory, News & General
Topic: Supreme Court rules in favor of 401k participants who object to high fees
Replies: 33
Views: 3842

Re: Supreme Court rules in favor of 401k participants who object to high fees

Tibble should cause some employers to start paying attention to these issues, but the employees have not won anything yet. Tibble only holds that employees were not barred by ERISA's statute of limitations from suing in this case. Here's a very important quote from the opinion's syllabus (I haven't ...
by Rupert
Mon May 18, 2015 10:53 am
Forum: Investing - Theory, News & General
Topic: Teaching 8 year old about stock market...
Replies: 22
Views: 1586

Re: Teaching 8 year old about stock market...

Have him hypothetically invest a certain amount of money in a few stocks and then follow their returns for a period of time to see how he would have done had he actually invested in those stocks. Don't forget to subtract brokerage fees, etc, from returns so his lesson is more realistic.
by Rupert
Sun May 17, 2015 7:58 am
Forum: Personal Consumer Issues
Topic: Keep underground storm cellar (in Florida)?
Replies: 48
Views: 3309

Re: Keep underground storm cellar (in Florida)?

The question is how effective would it be for a real tornado? You would probably leave the area and not go inside the storm cellar. Personally, I never really understood people that have those... Um, I think you're confusing hurricanes and tornadoes. People don't have time to leave the area for tor...
by Rupert
Fri May 15, 2015 9:53 am
Forum: Personal Finance (Not Investing)
Topic: House Insurance Site Similar to Term4Sale?
Replies: 11
Views: 981

Re: House Insurance Site Similar to Term4Sale?

[If my house burned down for some reason and was a total loss why on earth would I pay more than double what my house would go for on the open market? Because the company is telling you that's what it would to clean up and rebuild your house with like materials. You can always get another opinion f...
by Rupert
Fri May 15, 2015 9:41 am
Forum: Personal Finance (Not Investing)
Topic: My Home: Renovate or get out?
Replies: 13
Views: 1617

Re: My Home: Renovate or get out?

The repairs are one thing; they need to be made now or later. The addition is another matter. Be careful not to improve the house beyond what is standard in the neighborhood. As for you staying there and starting a family, it has been my experience that buying a bigger house is almost always cheaper...
by Rupert
Tue May 12, 2015 8:21 am
Forum: Personal Finance (Not Investing)
Topic: House Insurance Site Similar to Term4Sale?
Replies: 11
Views: 981

Re: House Insurance Site Similar to Term4Sale?

I've become very disappointed with AAA Insurance recently as they are unwilling to move their Dwelling Value on my house down even though it is more than double what the current appraisal of my house is. This is resulting in a significant premium, and even if there is a total loss there is no guara...
by Rupert
Mon May 11, 2015 10:57 am
Forum: Personal Consumer Issues
Topic: Florida Homeowners Insurance
Replies: 19
Views: 1804

Re: Florida Homeowners Insurance

If you think it's expensive now, just wait til you see what it jumps to after the next hurricane . . . if they don't drop you, that is. Insurance has not been the same in Florida and along the Gulf Coast since Hurricanes Ivan and Katrina in 2004 and 2005. I don't imagine it will ever change. It's a ...

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