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Re: Anyone with experience adding insulation to an older hom

How old of a home are you talking about? If your house is 100 years old, the advice you receive will be very different than the advice you receive for a, say, 30 year old home.
by Rupert
Wed Mar 04, 2015 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone with experience adding insulation to an older home?
Replies: 13
Views: 689

Re: Paris France help/suggestions for women

You've gotten some good advice. The only advice I would add is tell them to pay particular attention to how they dress and where/how they consult their maps and guidebooks. American tourists often stick out like sore thumbs in European cities because of what they wear and are easily targeted as a re...
by Rupert
Wed Mar 04, 2015 10:23 am
 
Forum: Personal Consumer Issues
Topic: Paris France help/suggestions for women
Replies: 22
Views: 1480

Re: Opening a 529 - in own name or kid?

I'm not sure a minor can directly own a 529 account, as minors generally cannot directly own investment and bank accounts. Also, you do not want a minor to own the account as a student's own assets count more for FAFSA purposes than do a parent's assets. Edited to add this: A final reason I wouldn't...
by Rupert
Fri Feb 27, 2015 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opening a 529 - in own name or kid?
Replies: 8
Views: 708

Re: New or Used Honda Odyssey

It might technically be possible to squeeze three seats across in your present car, but I would never do that. It's important to me that my two kids not be able to easily reach each other in the car. Trouble ensues when they can. But seriously, the Honda Odyssey is a great car. I would marry mine if...
by Rupert
Wed Feb 25, 2015 5:11 pm
 
Forum: Personal Consumer Issues
Topic: New or Used Honda Odyssey
Replies: 20
Views: 1023

Re: New or Used Honda Odyssey

Wait until the end of the model year (August/Sept) and buy a new 2015 model. Honda will likely offer some incentives around that time that will lower the price enough for it to make even less sense to buy used. Does the 2012 model have the blind spot camera on the passenger side mirror? That would b...
by Rupert
Wed Feb 25, 2015 11:57 am
 
Forum: Personal Consumer Issues
Topic: New or Used Honda Odyssey
Replies: 20
Views: 1023

Re: Ideas of where to relocate

I think there is quite good hiking in Cuba, actually. But if you're seriously open to the idea of Alabama, you might also consider a little town called Trussville right outside Birmingham. It has an independent public school system, separate from the Birmingham/Jefferson County system, that is consi...
by Rupert
Wed Feb 25, 2015 10:46 am
 
Forum: Personal Consumer Issues
Topic: Ideas of where to relocate
Replies: 32
Views: 2481

Re: Ideas of where to relocate

When most people say they like to hike, they generally mean they like to hike in the mountains/hills. You're not going to find many hiking opportunities south of the Appalachian foothills. So that rules out Florida and, frankly, most of the Deep South except the northern counties of Alabama and Geor...
by Rupert
Wed Feb 25, 2015 9:33 am
 
Forum: Personal Consumer Issues
Topic: Ideas of where to relocate
Replies: 32
Views: 2481

Re: Convert 401(k) investor shares to admiral shares?

No, you can't purchase Admiral shares in a 401(k) unless your 401(k) plan offers admiral shares. You should consider lobbying your employer to offer Admiral shares. There's a case pending in the US Supreme Court that may influence your employer's decision . . .
by Rupert
Mon Feb 23, 2015 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convert 401(k) investor shares to admiral shares?
Replies: 4
Views: 214

Re: Who's going to Disney this summer?

Even at those prices, the Disney parks are packed all the time. You have to make restaurant reservations in most Disney parks 6 months in advance these days. Imagine how crowded it would be if it weren't so expensive.
by Rupert
Mon Feb 23, 2015 10:24 am
 
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 51
Views: 3164

Re: Car Accident Question

With this kind of event, the best thing to do is to report it to the ins co. I wouldn't be surprised to find out that the uninsured OP discovered some time later an injury that he/she says was due to the accident. Your policy requires you to report an accident if you wish to be covered for liabilit...
by Rupert
Mon Feb 23, 2015 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Car Accident Question
Replies: 27
Views: 1454

Re: Are banks required to deposit third party endorsed check

My bank won't accept third-party checks either. I'm pretty sure that is standard practice nowadays. Why don't you call your insurance company and ask them to reissue the check to the correct person? They may ask you to return the first check to them first.
by Rupert
Fri Feb 20, 2015 5:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are banks required to deposit third party endorsed checks?
Replies: 52
Views: 2681

Re: Selling older home with old knob and tube wiring

I wouldn't replace it. I'd just disclose it and lower the sale price. I'd get three quotes from electricians first, just so I'd be in a better position to negotiate during the sale process. I live in a historic neighborhood where every house for miles around has or has had knob and tube wiring. It's...
by Rupert
Thu Feb 19, 2015 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling older home with old knob and tube wiring
Replies: 34
Views: 2630

Re: Check with wrong name - how to deposit

I'd prefer to know right away that the check will clear. Handing it to a teller does that. Depositing it in a ATM doesn't, and they might question and reject a deposit at an ATM more readily when they can't clear up any questions with the person right there. Handing it to a teller does not assure t...
by Rupert
Fri Feb 13, 2015 10:14 am
 
Forum: Personal Consumer Issues
Topic: Check with wrong name - how to deposit
Replies: 21
Views: 1687

Re: Check with wrong name - how to deposit

I used to process checks in a bank proof department. The only person at the bank who ever looks at the name on the check is the teller who initially receives it. Once you get past him or her, it's all about the numbers on the check, specifically the numbers encoded in magnetic ink.
by Rupert
Fri Feb 13, 2015 9:36 am
 
Forum: Personal Consumer Issues
Topic: Check with wrong name - how to deposit
Replies: 21
Views: 1687

Re: Attempting to increase retirement contributions by 5%.

I strongly disagree with the folks who have said drop your life insurance. You buy insurance when you're young and healthy. Who knows what illness might strike you in a few years (or a bus, for that matter)? I do think you can save on your wireless bill. My family did so, perversely, by adding addit...
by Rupert
Wed Feb 11, 2015 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Attempting to increase retirement contributions by 5%.
Replies: 25
Views: 1925

Re: Rejected from disability insurance

I have a similar medical condition. Unfortunately, all the previous posters are correct. Your husband will likely have a shorter working life as a result of his disease. That's just how the numbers shake out. Biologics sometimes stop working for people, even after many successful years on them. His ...
by Rupert
Mon Feb 09, 2015 9:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Rejected from disability insurance
Replies: 18
Views: 1915

Re: TurboTax turns off all state efiling to prevent fraud

If you have given your Vanguard password to Turbotax for purposes of downloading your information into your tax returns, change your password today. This is one of the reasons I manually transfer the data. Yes it's a major pain in the rear and maybe I'm being overly paranoid but I'm just not comfor...
by Rupert
Fri Feb 06, 2015 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Fraud? [TurboTax Turns Off All State E-Filing]
Replies: 67
Views: 3263

Re: TurboTax turns off all state efiling to prevent fraud

This is unbelievable. Someone just identified on another thread today the identity theft worst case scenario as being someone hacking into Turbotax. According to a Forbes article I just read, it may have happened, although it's still not clear. If you have given your Vanguard password to Turbotax fo...
by Rupert
Fri Feb 06, 2015 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Fraud? [TurboTax Turns Off All State E-Filing]
Replies: 67
Views: 3263

Re: Health Insurer, Anthem, Hacked

Wouldn't monitoring the EOBs issued by your health insurer immediately alert you to medical identity theft, or am I missing something?
by Rupert
Fri Feb 06, 2015 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Health Insurer, Anthem, Hacked
Replies: 99
Views: 8035

Re: Health Insurer, Anthem, Hacked

The Federal Trade Commission website has good information on identity theft and how to freeze your credit. Unfortunately, in most states, you are going to have to pay the three credit companies to place the freezes, unless you can prove that your identity was stolen and has been fraudulently used by...
by Rupert
Thu Feb 05, 2015 9:52 am
 
Forum: Personal Consumer Issues
Topic: Health Insurer, Anthem, Hacked
Replies: 99
Views: 8035

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

Sorry. Do you have a 401(k)? If yes, you can hold bonds in your and the S&P500 in portion to the overall desired AA, which will leave your account with a disproportionately high bond position. Then rebalance your account. Sounds it's better to use IRA and potentially your 401(k) before your wif...
by Rupert
Fri Jan 30, 2015 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it unusual to have NO index fund options in 403(b)?
Replies: 10
Views: 600

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

This is, sadly, not uncommon in school system 403(b) plans. Visit 403bwise.com, which extensively covers the horrible investments offered in school system 403(b) plans nationwide.
by Rupert
Fri Jan 30, 2015 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Is it unusual to have NO index fund options in 403(b)?
Replies: 10
Views: 600

Re: Financial Considerations for Infertility Treatments

My insurance policy also explicitly says it does not cover any assisted reproductive technology and procedures. But they still paid for all the drugs, blood tests, and ultrasounds during our four IUI procedures, which was the bulk of the cost. The only thing they didn't pay for were the actual IUI p...
by Rupert
Wed Jan 28, 2015 9:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations for Infertility Treatments
Replies: 25
Views: 1773

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

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

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


Probably the every other year arrangement is by divorce decree. That's a fairly common arrangement for divorced parents.
by Rupert
Wed Jan 28, 2015 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Need serious help regarding my company's retirement plan
Replies: 19
Views: 1528

Re: Can't access Turbotax Online from Vanguard site

I accessed TT from the Vanguard site yesterday without any problem.
by Rupert
Mon Jan 26, 2015 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can't access Turbotax Online from Vanguard site
Replies: 18
Views: 1350

Re: Is my term life policy quote too high?

Not a good rate. Some companies won't penalize for cancer family history. Find a new agent. This is the best answer. There are a handful of insurance companies who will give you a Preferred Plus rate if one of your parents died of cancer before age 60, but only a handful. You need to get quotes fro...
by Rupert
Mon Jan 26, 2015 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Is my term life policy quote too high?
Replies: 39
Views: 2510

Re: What types of insurance should I buy?

You need term life (not whole or universal), disability, auto, renter's, and umbrella. No, umbrella will not cover renter's liabilities without underlying renter's insurance. Umbrella policies supplement underlying coverages; it doesn't replace them. Consider both long- and short-term disability. Of...
by Rupert
Fri Jan 23, 2015 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: What types of insurance should I buy?
Replies: 12
Views: 1127

Re: Women's Face Moisturizer/Lotion

Yeah, I second the advice to be careful with this one. Moisturizer is not something I would ever buy as a gift for someone because it's almost a medicinal item. It's also very personal. It's almost like buying someone deodorant or shampoo. If you really want to do it, I suggest you sneak a peek at t...
by Rupert
Fri Jan 23, 2015 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Women's Face Moisturizer/Lotion
Replies: 51
Views: 3628

Re: Buying life insurance online

I used Accuquote to purchase term life about 6 years ago. The process was painless. I had a phone conversation with a sales person, who then emailed an application that I had to fill out and send back in (can't remember if I emailed that or mailed it). The sales person called me back with a few quot...
by Rupert
Fri Jan 23, 2015 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying life insurance online
Replies: 21
Views: 738

Re: Are 529 plan withdrawals taxable in the future?

According to the press release below, looks like potential taxation would only be on NEW contributions. I certainly hope so! Limit upside-down education savings incentives and consolidate them into a single benefit. The President’s plan would consolidate education savings incentives into one vehicl...
by Rupert
Tue Jan 20, 2015 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are 529 plan withdrawals taxable in the future?
Replies: 20
Views: 1707

Re: 529 Plans Reform

You know, some rich childless person will occasionally start a thread on here about how to use 529s as a tax shelter. Perhaps someone high in the administration is reading . . .
by Rupert
Tue Jan 20, 2015 1:23 pm
 
Forum: Investing - Theory, News & General
Topic: 529 Plans Reform
Replies: 24
Views: 1392

Re: 529 Plans Reform

I think it's completely premature to speculate, much less worry, about this proposal right now. It's not law. It may never become law. And even if the law changes, they might grandfather funds already in 529s. As for what to do while the idea is being tossed around Washington, I think I'll put my co...
by Rupert
Tue Jan 20, 2015 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: 529 Plans Reform
Replies: 24
Views: 1392

Re: How does a dependent care account work?

In effect, $5000 will be deducted by your employer from your taxable income as shown on your W2 you receive. You will to file Form 2446 with your return to confirm that you did spend the actual $5000 on dependent care. Do you mean 2441? I believe you only use that form if you are claiming a depende...
by Rupert
Thu Jan 15, 2015 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: How does a dependent care account work?
Replies: 13
Views: 704

Re: How does a dependent care account work?

For some reason I do not understand how the dependent care account works and when do I realize the tax deduction? I understand that I pay for daycare costs out of pocket each month then submit for reimbursement for that cost. Will I make the $5000 deduction in 2016 for 2015 taxes? Having a brain cr...
by Rupert
Thu Jan 15, 2015 1:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: How does a dependent care account work?
Replies: 13
Views: 704

Re: Parents spending on grandkids

I've given up on trying to control my mother's ridiculous spending on my kids and focus my efforts instead on trying to keep it from damaging my kids. Now that my kids are old enough to appreciate that they are more fortunate than others, I do what a PP does: Every time Grandma brings new stuff, the...
by Rupert
Wed Jan 14, 2015 5:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Parents spending on grandkids
Replies: 23
Views: 1886

Re: Free credit report due to 'fraud alert'

Are you really placing fraud alerts on your credit reports multiple times per year? Are you really a victim of fraud that often? If so, it seems freezing your credit files might be a good idea. When I became a identity theft victim last year, my credit monitoring service placed fraud alerts on my th...
by Rupert
Fri Jan 09, 2015 1:33 pm
 
Forum: Personal Consumer Issues
Topic: Free credit report due to 'fraud alert'
Replies: 1
Views: 477

Re: Should heat be left on?

In sustained sub freezing you should never let your heat go below 55 degrees. If we're talking close to zero temps and/or you have an oddball structure with cold spots or poorly placed pipes, it may need to be higher, like over 65. Remember, the temp on the thermostat is only the temperature where ...
by Rupert
Thu Jan 08, 2015 11:38 am
 
Forum: Personal Consumer Issues
Topic: Should heat be left on?
Replies: 25
Views: 3374

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

If I were you, I'd freeze my credit files with all three credit reporting companies (Equifax, Experian, and TransUnion). If you do that, you don't have to pay for credit monitoring services. You will likely have to pay to freeze (and unfreeze when needed) your files though, since you aren't yet an a...
by Rupert
Wed Dec 17, 2014 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: In the event that your employer is hacked...
Replies: 5
Views: 906

Re: A perfect profession

Neuroscience is sort of a fad right now (or it was a fad -- I actually haven't heard much about it in a while). After a feature article about fMRI lie detection in the New York Times Magazine about 7 or 8 years ago, everybody and her sister started majoring in it and colleges/unis started adding or ...
by Rupert
Mon Dec 15, 2014 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: A perfect profession
Replies: 61
Views: 6765

Re: Childrens watch

Have you considered Flik Flak? It's what Swatch now calls itself, and they make Swiss-engineered watches specifically for boys/girls age 7 and over. Not sure they have metal bands, but are you sure he'd want that? I'm not sure metal bands are considered "cool" by kids that age.
by Rupert
Mon Dec 15, 2014 2:07 pm
 
Forum: Personal Consumer Issues
Topic: Childrens watch
Replies: 5
Views: 404

Re: help! suspicious call asking about my SS application

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

Re: woman's bathrobe gift

Try LL Bean, RedEnvelope, and Boden. $80 is not an unreasonable price for a good bathrobe, but RedEnvelope has a nice on sale right now for about $50.
by Rupert
Tue Dec 09, 2014 5:06 pm
 
Forum: Personal Consumer Issues
Topic: woman's bathrobe gift
Replies: 7
Views: 848

Re: Looking for affordable winter activities.

Thanks for suggestions. We decided to rent for a month or two somewhere in Florida. Now the search for a location and property. Any recommendations would be appreciated. What kind of weather are you hoping for? South Florida weather or just somewhere-warmer-than-Missouri weather? The Florida panhan...
by Rupert
Tue Dec 09, 2014 1:50 pm
 
Forum: Personal Consumer Issues
Topic: Looking for affordable winter activities.
Replies: 19
Views: 1668

Re: Disability INS for homemaker?

Historically, disability insurance could not be obtained for homemakers because disability insurance benefits were based on income reported on tax returns. No tax returns, no income, no disability insurance. I have read something recently about the market evolving though. So it's possible that a pro...
by Rupert
Tue Dec 09, 2014 9:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Disability INS for homemaker?
Replies: 8
Views: 569

Re: mother-in-law wrecked our car

I stupidly caused an accident once that resulted in over $30,000 damage to my car and the other guy's. My auto insurance premium was not increased. I had Allstate at the time.
by Rupert
Fri Dec 05, 2014 1:23 pm
 
Forum: Personal Consumer Issues
Topic: mother-in-law wrecked our car
Replies: 52
Views: 5646

Re: I'm scared - online hacking

Freeze your credit and monitor your accounts. That's all you can do. Choosing awesome passwords will only protect you from small potatoes crooks. It won't protect you from Russia or China. Fortunately, Russia and China probably aren't all that interested in stealing your identity.
by Rupert
Wed Dec 03, 2014 1:46 pm
 
Forum: Personal Consumer Issues
Topic: I'm scared - online hacking
Replies: 44
Views: 5130

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

Is traffic school not an option for you since it's your first moving violation? If it is, I'd go that route to avoid the points. In my jurisdiction, the cost of attending traffic school is about the same as the cost of a ticket for running a red light.
by Rupert
Wed Dec 03, 2014 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1st Moving Violation Traffic Ticket: Lawyer Up or Pay Fine?
Replies: 18
Views: 1413

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: 1132

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: 5248

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: 5248
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