Search found 732 matches

by Rupert
Mon Aug 03, 2015 1:06 pm
Forum: Personal Consumer Issues
Topic: Aloha Mind math for 5 year old
Replies: 3
Views: 371

Re: Aloha Mind math for 5 year old

+1 for Khan Academy
by Rupert
Fri Jul 31, 2015 12:59 pm
Forum: Personal Consumer Issues
Topic: Food safety - broken refrigerator
Replies: 18
Views: 873

Re: Food safety - broken refrigerator

cheese_breath wrote:
Rupert wrote:...Personally, I'd eat the eggs...

I used to eat raw eggs. Used to eat raw meat too. But no more considering the possibility of salmonella in raw foods today.


I didn't say I'd eat them raw. I prefer them scrambled.
by Rupert
Fri Jul 31, 2015 10:48 am
Forum: Personal Consumer Issues
Topic: Food safety - broken refrigerator
Replies: 18
Views: 873

Re: Food safety - broken refrigerator

You can always check the freshness of an egg by seeing if it floats in water. Google it. Personally, I'd eat the eggs. I grew up on a farm, and we never refrigerated our eggs. Also, butter does not need to be refrigerated. I keep mine out on the counter in a butter dish all the time. Do you seriousl...
by Rupert
Thu Jul 30, 2015 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Does % of students from low income households factor when you pick schools for kids?
Replies: 39
Views: 2575

Re: Does % of students from low income households factor when you pick schools for kids?

This is such a hard issue. I advise you, as you begin your home search, to go to the schools your kids might attend in each neighborhood and drive around for a few blocks in every direction. Pay particular attention to the middle schools. Middle schools are the weak links in public school systems al...
by Rupert
Thu Jul 30, 2015 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Newborn Health Insurance Questions
Replies: 21
Views: 1013

Re: Newborn Health Insurance Questions

"Would it make sense even in the slightest to switch to this higher premium plan for the year the baby is born?" It may, but you need to look at more than just the deductibles and premiums. Kids see the doctor A LOT during their first two to three years of life; so co-pay, co-insurance, an...
by Rupert
Thu Jul 30, 2015 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Newborn Health Insurance Questions
Replies: 21
Views: 1013

Re: Newborn Health Insurance Questions

Although our baby isn't due until January...I could've written this same thread myself...I have all the same questions! I will be watching this thread pretty closely for info. :beer I also have been wondering how the deductible and max out of pocket situation works. With a (late) January baby due d...
by Rupert
Thu Jul 30, 2015 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Priorities
Replies: 52
Views: 4161

Re: Priorities

My cardiologist once told me that sometimes the first sign of heart disease is sudden death. It's a sobering thought that I try to remind myself of very often, and I always think of it when I read posts by people here who brag that they manage to only spend $100 a month on groceries and have never b...
by Rupert
Thu Jul 30, 2015 7:13 am
Forum: Personal Finance (Not Investing)
Topic: How Did You Leave Money for College in Your Will for Your Grandchildren?
Replies: 9
Views: 1021

Re: How Did You Leave Money for College in Your Will for Your Grandchildren?

jalbert wrote:The OP said the funds were tied up in equity in the grandmother's home.

-jalbert


Many 529s allow you to open an account with as little as $100. She can direct additional funds to the accounts in her will.
by Rupert
Thu Jul 30, 2015 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Auto collision with uninsured driver caused $5000 in damage. What to do?
Replies: 23
Views: 2109

Re: Auto collision with uninsured driver caused $5000 in damage. What to do?

Guys.... I don't think we understand Uninsured/Underinsured motorist coverage in PA. Don't these cover bodily injury (which is minor)? The OP was interested in a Property Damage claim (repairs to leased vehicle). Yep. People don't understand what un/under-insured motorist coverage actually covers. ...
by Rupert
Wed Jul 29, 2015 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Keep paying the mortgage??
Replies: 67
Views: 6482

Re: Keep paying the mortgage??

"I assumed by dealing with a licensed Realtor that this was a safe transaction." Yikes. I'm so sorry this happened to you, but, dude, Google is your friend. The seller's agent in a real estate transaction (who in this case was also the seller) has no fiduciary obligation to a home buyer. T...
by Rupert
Wed Jul 29, 2015 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: My Portfolio and My Investing Behavior
Replies: 15
Views: 1612

Re: My Portfolio and My Investing Behavior

Why aren't you maxing out the tax-deferred accounts to reduce tax liability? I would do that before contributing to Roths and taxable. You're giving away money to the government. So I would max out the wife's 401k, not reduce contributions to it.
by Rupert
Wed Jul 29, 2015 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: How Did You Leave Money for College in Your Will for Your Grandchildren?
Replies: 9
Views: 1021

Re: How Did You Leave Money for College in Your Will for Your Grandchildren?

She could just open and partially fund 529 accounts now and, via her will, direct additional money from her estate to those accounts upon her death. She could name her children as successor owners of those accounts. That would take care of living grandchildren. Providing for future grandchildren is ...
by Rupert
Wed Jul 29, 2015 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Hefty Medical Bill
Replies: 38
Views: 2882

Re: Hefty Medical Bill

I'm kinda surprised that the outfit (doctors, surgery center/hospital, etc.) who performed your son's surgery didn't 100% verify your insurance coverage before doing the surgery. You might have some negotiating room if they suggested to you in anyway that they did verify coverage. Aside from that po...
by Rupert
Tue Jul 28, 2015 2:08 pm
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 6166

Re: wife got in wreck with Honda CRV - no collison coverage

Do you have the name of the construction company? Was the driver cited for having an unsecured load? If so, I would sue them for the loss of your vehicle. The wife rear-ended someone. It probably doesn't matter why they stopped, she was following too closely. My understanding is that if you rear en...
by Rupert
Mon Jul 27, 2015 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 72
Views: 6783

Re: Divorce

Thanks for your responses. I'll check the divorce help site. I'm hoping to find some examples of parenting plans and financial distributions. I suspect my wife and I will be able to workout a good (in the context) plan for the kiddo. Assets are another story. I have assets that were accumulated pre...
by Rupert
Mon Jul 27, 2015 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling over 403b to Roth IRA for 1st home purchase
Replies: 15
Views: 556

Re: Rolling over 403b to Roth IRA for 1st home purchase

Two problems that I see with your plan: First, rolling over a 403b into a Roth will be considered a conversion, and you will owe taxes on the rolled-over funds. The second problem is the five-year holding period that you mention. It does apply when you roll over into a Roth from a tax-deferred accou...
by Rupert
Mon Jul 27, 2015 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: A couple questions Re: Term Life Insurance
Replies: 10
Views: 918

Re: A couple questions Re: Term Life Insurance

Go with the longer term. You can always stop paying the premium and let it lapse after 20 years if you really don't need it, but it will be much harder and more expensive to purchase additional insurance down the road if you determine you do need it. How far along is your wife? Most insurance compan...
by Rupert
Mon Jul 27, 2015 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement finances for two
Replies: 8
Views: 1433

Re: Retirement finances for two

Is your partner a widow or was she married to her prior partner for at least 10 years so that she can draw on that former partner's social security? If not, I think (looking at it from a purely financial standpoint) you two should get married so she can benefit from your higher social security payme...
by Rupert
Mon Jul 27, 2015 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Help Choosing 401k Plan
Replies: 5
Views: 242

Re: Help Choosing 401k Plan

Those ERs stink. Do you plan to stay with this company long term? If so, I'd contribute just enough to get the full match and invest all of it in the 500 index fund. I'd use IRA and taxable space to fill out my portfolio, which I would invest in Vanguard's extended market index (which cover mid- and...
by Rupert
Sun Jul 26, 2015 9:46 am
Forum: Investing - Theory, News & General
Topic: Asking 401K Plan to add fund
Replies: 4
Views: 421

Re: Asking 401K Plan to add fund

I'm on my employer's plan committee. We cannot add a fund just because one employee requests it, and we certainly can't allow one employee to invest in a fund that is not available to all employees. Doing either of those things would violate our fiduciary obligations under ERISA. You can lobby your ...
by Rupert
Fri Jul 17, 2015 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Turning 65, need Medicare, but delaying Social Security
Replies: 20
Views: 1711

Re: Turning 65, need Medicare, but delaying Social Security

As a PP said, most communities have officials, usually working out of senior centers, etc., that help you navigate the Medicare alternatives. With my mom, she found the easiest way to choose among the supplement options was to talk to her friends already on Medicare to see what their experiences wer...
by Rupert
Thu Jul 16, 2015 3:19 pm
Forum: Personal Consumer Issues
Topic: Board Recommendations: Vacation for Babymoon
Replies: 27
Views: 1912

Re: Board Recommendations: Vacation for Babymoon

One final recommendation for a place I've always wanted to visit: Blackberry Farm in the Smokies. I'm told the accommodations and food are world-class.
by Rupert
Thu Jul 16, 2015 2:24 pm
Forum: Personal Consumer Issues
Topic: Getting a new roof on home before home sale. Looking for advice.
Replies: 13
Views: 674

Re: Getting a new roof on home before home sale. Looking for advice.

I think a lifetime warranty on asphalt shingles is pretty common these days if you buy the dimensional shingles. Of course, whether they actually last a lifetime depends on a lot of factors. In my climate, there is no roofing product that lasts a lifetime; so the "lifetime warranty" is a b...
by Rupert
Thu Jul 16, 2015 8:47 am
Forum: Investing - Help with Personal Investments
Topic: New providers entering low-cost 401k market for small employers
Replies: 0
Views: 180

New providers entering low-cost 401k market for small employers

Interesting article in the NY Times this morning about new entrants into the small-business low-cost 401k market:

http://www.nytimes.com/2015/07/16/busin ... f=business
by Rupert
Wed Jul 15, 2015 8:28 am
Forum: Personal Consumer Issues
Topic: Board Recommendations: Vacation for Babymoon
Replies: 27
Views: 1912

Re: Board Recommendations: Vacation for Babymoon

If you suggest Florida, that's fine. Florida in August while seven months pregnant. :oops: That would be a vacation that you would never forget, or be allowed to forget. I would just look for a cabin or a resort in the North Georgia mountains or North Carolina. Preferably with rocking chairs. We've...
by Rupert
Wed Jul 15, 2015 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Employer 401k company change
Replies: 3
Views: 203

Re: Employer 401k company change

Yes, they'll sell your shares and re-purchase at today's price, even if it's the same fund. They won't transfer the shares in-kind. As for what you need to look out for, there will be a blackout period when you have no access to your funds, i.e., you can't buy/sell/transfer between funds. It usually...
by Rupert
Tue Jul 14, 2015 4:01 pm
Forum: Personal Consumer Issues
Topic: Board Recommendations: Vacation for Babymoon
Replies: 27
Views: 1912

Re: Board Recommendations: Vacation for Babymoon

I would go to an all-inclusive spa/resort. And I would go somewhere cool. Getting out of Atlanta (and the entire Deep South) during the third trimester would be quite a nice treat. It sucks being very pregnant in late summer anywhere, but especially in the humid South. I might choose a resort in Nor...
by Rupert
Tue Jul 14, 2015 10:28 am
Forum: Personal Consumer Issues
Topic: Is vinyl used in some leather car seats?
Replies: 21
Views: 1473

Re: Is vinyl used in some leather car seats?

Sounds like several people prefer cloth over leather or faux leather for car seats, even in premium vehicles. Food for thought. What is the advantage of leather except maybe easier to clean and the so-called snob factor? Many premium vehicles don't even offer cloth seats. An informal poll on this w...
by Rupert
Tue Jul 14, 2015 7:31 am
Forum: Personal Consumer Issues
Topic: Is vinyl used in some leather car seats?
Replies: 21
Views: 1473

Re: Is vinyl used in some leather car seats?

I think even Mercedes uses a pleather-like product. If they're doing it, I can't imagine that any other car maker, except maybe the really really rare ones (Bentley, etc.), are using real leather on every surface.
by Rupert
Mon Jul 13, 2015 11:12 am
Forum: Investing - Help with Personal Investments
Topic: 29, relatively high income, seriously considering early retirement
Replies: 42
Views: 7289

Re: 29, relatively high income, seriously considering early retirement

Age 29 Marital Status Single, no plans to have children or get married Location Michigan, United States Debt $8,000 on my house at 0%, 4 quarterly payments left (done May of next year) Savings ~$25,000 in cash ~$112,000 in vanguard IRA (rollover from two previous jobs' 401ks, current allocation is ...
by Rupert
Fri Jul 10, 2015 3:40 pm
Forum: Personal Consumer Issues
Topic: Asbestos 2 story home
Replies: 8
Views: 953

Re: Asbestos 2 story home

It may be more hazardous to your health if the abatement company tries to remove the asbestos from your walls than if they just leave it alone. I wouldn't bother with the stuff in the walls unless you know you are going to do renovations in the future that would disturb it. It might be nice to know ...
by Rupert
Fri Jul 10, 2015 10:43 am
Forum: Personal Consumer Issues
Topic: help with car accident/insurance protocol
Replies: 5
Views: 623

Re: help with car accident/insurance protocol

I think it's always a good idea to report accidents, even minor ones, to the police and your insurance company, especially if you are a person with assets. The other driver might show up two years later claiming that some sort of horrible back/neck injury resulted from the accident. You want to have...
by Rupert
Fri Jul 10, 2015 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Fraudulent charges on two separate credit cards
Replies: 11
Views: 1022

Re: Fraudulent charges on two separate credit cards

Rupert: "Think about places, especially retail/restaurants establishments, on-line stores, where you use both of those cards." I last used one of the two credit cards back in 2009! BTW, I didn't have to let the credit card companies know. They sent me e-mails asking if the charges were va...
by Rupert
Fri Jul 10, 2015 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Fraudulent charges on two separate credit cards
Replies: 11
Views: 1022

Re: Fraudulent charges on two separate credit cards

Think about places, especially retail/restaurants establishments, on-line stores, where you use both of those cards. Also, do you have someone who comes into your house, such as a housecleaning service or handyman, who might have access to your cc numbers? Those are more likely scenarios than this b...
by Rupert
Thu Jul 09, 2015 1:03 pm
Forum: Personal Consumer Issues
Topic: crawl space waterproofing
Replies: 2
Views: 461

Re: crawl space waterproofing

What exactly do you need to have done? "Waterproofing" can mean many things from as complicated as installing french drains to as simple as installing dehumidifiers and/or vapor barriers. Do you have standing water there or just dampness? Where is the water coming from (groundwater or seep...
by Rupert
Thu Jul 09, 2015 12:55 pm
Forum: Personal Consumer Issues
Topic: Shower door or curtain for bathroom remodel
Replies: 61
Views: 3827

Re: Shower door or curtain for bathroom remodel

Compromise with your husband: shower curtain until the baby is older, then door. You are absolutely right that bathing a baby/toddler in a bathtub with a door will be awful (very hard on your back).
by Rupert
Thu Jul 02, 2015 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Life insurance/Social Security Widow Benefit
Replies: 6
Views: 950

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: 21
Views: 3222

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: 247

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: 20
Views: 2238

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: 289

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: 856

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: 606

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: 572

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: 777

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: 2377

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: 4954

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: 3239

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: 2648

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: 6434

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.

Go to advanced search