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Re: Possible Uninsured Motorist accident - UPDATE

I'd have texted, too. All you needed was the info, which you got from the text. Lots of crazy people out there. No need to engage in social contact with someone with whom you have an adversarial relationship, even if you were the who who "started it" by accidentally hitting someone else's...
by investingdad
Thu Oct 09, 2014 9:26 am
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3433

Re: Possible Uninsured Motorist accident - UPDATE

Just an update on our rearend collission issue. So after getting the girl's phone number from the State Police, my wife called her and left a message. No response. We then sent a certified letter to the address listed on the insurance card she provided to us and the police (clearly her parents' add...
by investingdad
Thu Oct 09, 2014 8:56 am
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3433

Re: Possible Uninsured Motorist accident - UPDATE

Just an update on our rearend collission issue. So after getting the girl's phone number from the State Police, my wife called her and left a message. No response. We then sent a certified letter to the address listed on the insurance card she provided to us and the police (clearly her parents' addr...
by investingdad
Thu Oct 09, 2014 8:00 am
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3433

Re: Get some Exercise!

Pain and weakness. I do some of my workouts at a military track with Sailors and Marines, some of them running with their "pain is weakness leaving the body" shirts. I believe in this message only to a point, we must be careful and we must pay attention on where that pain is coming from, ...
by investingdad
Fri Oct 03, 2014 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Get some Exercise!
Replies: 23
Views: 2423

Get some Exercise!

I had fallen into the trap of not getting any meaningful exercise for much of my 30s. I was never overweight (I'm average height and weigh around 156 lbs) but I knew I had gotten out of shape. I played a ton of tennis in my 20s but gave it up after enduring non-stop tendonitis in my forearm (don't i...
by investingdad
Fri Oct 03, 2014 9:49 am
 
Forum: Personal Consumer Issues
Topic: Get some Exercise!
Replies: 23
Views: 2423

Re: Does insulating attach'd unheated garage improve efficie

Our bathroom is above the garage and the floor gets quite cold in the winter. If it were not insulated, it would be worse for sure.

Our solution will be to put under tile heating in the bathroom when we tile the floor down the road.
by investingdad
Fri Oct 03, 2014 9:20 am
 
Forum: Personal Consumer Issues
Topic: Does insulating attach'd unheated garage improve efficiency
Replies: 20
Views: 1687

Re: Should I buy this house

OP...The most important thing to consider is this: ...the advice you are getting here is from people that are not starry eyed over large salaries. Some have them, some don't. Many have managed to build up large portfolios despite not sniffing the income you and your spouse are enjoying, making big s...
by investingdad
Thu Oct 02, 2014 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I buy this house
Replies: 37
Views: 2165

Re: Possible Uninsured Motorist accident

First off this has happened to me a few times over many years. The uninsured driver gets away with this all the time. If it was a large amount of damage, they just file bankruptcy. But if there is some bodily injury there on the hook until restitution is paid. That means no drivers license for life...
by investingdad
Thu Oct 02, 2014 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3433

Re: Possible Uninsured Motorist accident

Just to put this to rest...I asked if non-insured or under-insured coverage is available for physical damage. It is NOT in PA per my insurance provider (Erie Insurance Exchange). It's only availabe for bodily injury. Otherwise it falls to Collision less deductible. Perhaps there was at one time and ...
by investingdad
Thu Oct 02, 2014 11:42 am
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3433

Re: Possible Uninsured Motorist accident

Aside from all the other good advice on here, I would notify PENDOT and the PA State Police that this person is driving without the state mandated insurance. I am pretty sure they will pull the operator's license. When my wife called the State Police to ger the other driver's phone number she told ...
by investingdad
Thu Oct 02, 2014 11:00 am
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3433

Re: Possible Uninsured Motorist accident

I think at this point we need to either lower the deductible on Collission or add the Property Damage for under/un insured motorist coverage. The other driver, if they really did give false information to us and were not insured, also gave it to the State Police who responded. Yes, I'm familiar with...
by investingdad
Thu Oct 02, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3433

Re: Possible Uninsured Motorist accident

Our policy includes coverage for uninsured and underinsured motorist BODILY injury. Since we do not have (and I'm not even sure it's an option in PA) coverage for physical damage to the car due to under or uninsured motorists, the collision deductible applies. This means if we have a problem, we're ...
by investingdad
Thu Oct 02, 2014 7:38 am
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3433

Re: Possible Uninsured Motorist accident

I'm in PA. I think it's bodily injury only, not vehicle damage. Even though we have uninsured motorist coverage, the insurance company has told me that with a $1000 deductible they will ONLY go after the other motorist if it's significantly more than $1000. My guess is that the damage (rear bumper) ...
by investingdad
Wed Oct 01, 2014 3:50 pm
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3433

Re: Possible Uninsured Motorist accident

In this case the insurance company is going to be of little help. With a $1000 deductible, unless the total damage is more than perhaps $2000...they likely won't go after the person. I need to get an estimate, but I'm guessing the damage won't be much over the deductible. I'm going to have to go thi...
by investingdad
Wed Oct 01, 2014 3:05 pm
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3433

Possible Uninsured Motorist accident - UPDATE

I'd appreciate some guidance on first steps on an incident involving my wife. She was stopped in traffic and rear-ended by another driver. Damage was minor at first glance but we know how expensive these repairs become. Anyway, my wife called the police, police showed up, and she was given a copy of...
by investingdad
Wed Oct 01, 2014 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3433

Re: Would you pay for these upgrades in a new construction h

I didn't. I upgraded the stuff myself, it's not hard and it cost less. Replacing faucet fixtures is pretty simple. Really.

The only upgrades we paid for to were things that would cost more later because of demo work involved.
by investingdad
Fri Sep 26, 2014 2:11 pm
 
Forum: Personal Consumer Issues
Topic: Would you pay for these upgrades in a new construction house
Replies: 17
Views: 1350

Re: Experience with dealer finding the exact car you want?

Mazda mx-5 Miata with power-retractable top...in red with auto transmission... With the upcoming new generation recently introduced, I would think you should have some leverage. Also, why not used? Any other color you would be amenable to? That explains it. I have a Miata and they are not common as...
by investingdad
Fri Sep 12, 2014 12:00 pm
 
Forum: Personal Consumer Issues
Topic: Experience with dealer finding the exact car you want?
Replies: 26
Views: 1800

Re: Tennis Role Reversal

So I'm really sore today, especially the shoulder since I haven't served that much in a long time. The 17 year old and I split sets, I took the first (after being up 4-1 and allowing it to go 7-5) and then dropped the second 6-7. We had to postpone the third due to darkness so it remains on hold for...
by investingdad
Fri Sep 12, 2014 9:40 am
 
Forum: Personal Consumer Issues
Topic: Tennis Role Reversal
Replies: 13
Views: 1322

Re: Which 4 door with 250+ hp

I have a 2013 Nissan Maxima. It's a V6 with 290 HP. The accelleration is very nice but it's front wheel drive and you get a lot of torque steer. It has a CVT transmission so there's no shifting feel from the automatic transmission. I've been a lifelong stick shift guy and find the CVT coupled with a...
by investingdad
Tue Sep 09, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: Which 4 door with 250+ hp
Replies: 104
Views: 8351

Re: Tennis Role Reversal

You know what the coolest part is of being in a tennis leauge at my age? Our fridge door is now covered with my son's soccer league schedule, my daughter's soccer league schedule, and my tennis league schedule. You can't even see the door anymore. :happy My wife has the role of family coordinator.
by investingdad
Mon Sep 08, 2014 8:45 am
 
Forum: Personal Consumer Issues
Topic: Tennis Role Reversal
Replies: 13
Views: 1322

Tennis Role Reversal

I think I may have posted on here a little while back that I started playing tennis again. I started as kid, played in high school, played during my 20s at the club level, didn't pick up the racquet at all in my 30s due to injury and intense dislike of the game, and just started again at age 40. I p...
by investingdad
Mon Sep 08, 2014 7:53 am
 
Forum: Personal Consumer Issues
Topic: Tennis Role Reversal
Replies: 13
Views: 1322

Re: Salary Info double standard?

Obviously there are a lot of strong feelings here. And I understand the position of the employer. I'm simply relaying my annoyance. I went through a fair bit of effort filling out the information they requested (multiple screens), answered the questions about experience matching, and the last thing ...
by investingdad
Fri Sep 05, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Salary Info double standard?
Replies: 53
Views: 4257

Re: Salary Info double standard?

Maybe I should list 'Boglehead' on my resume... :D

One would think that a fellow Boglehead would recognize the value of hiring a person for whom typical financial strains may not apply.
by investingdad
Fri Sep 05, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Salary Info double standard?
Replies: 53
Views: 4257

Re: Salary Info double standard?

If the most I can pay is X for certain position why waste my time and yours talking to you if you require 2X. ..... If you are outside this range - and I know I can find excellent talent inside my range - I don't want to waste your time. Well then, if you're serious about not wanting to waste anyon...
by investingdad
Fri Sep 05, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Salary Info double standard?
Replies: 53
Views: 4257

Salary Info double standard?

I've been casually perusing job openings in my area, nothing too serious but keeping an eye out. I found something that looked interesting and decided to at least toss out my resume to see if the company wanted to chat. For reference, this is a mid-career engineering role with a division of a very w...
by investingdad
Fri Sep 05, 2014 9:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Salary Info double standard?
Replies: 53
Views: 4257

Re: If you had an extra $100,000

I'd probably burn through 20K on trivial items that my wife and I would like to have but don't currently have budgeted.

The other 80K would go into regular taxable investments.
by investingdad
Fri Aug 29, 2014 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 68
Views: 7423

Re: Hit a financial milestone at an age milestone

I must say I hadn't quite expected the last batch of replies which include a bit of skepticism. Feel free to believe or not believe any of it. Keep in mind that while everyone here is working hard to practice the Boglehead philosophy, far fewer actually employed this philosophy in their 20s or comi...
by investingdad
Thu Aug 28, 2014 7:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Hit a financial milestone at an age milestone
Replies: 50
Views: 5158

Re: Hit a financial milestone at an age milestone

I was scratching my head at first, but after the OP's long clarifying post, it all adds up just fine for me. I guessed there was a real estate factor and he confirmed that. By his own admission he got lucky on that one and has realized the potential of significant gains...but to really capture that ...
by investingdad
Wed Aug 27, 2014 10:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hit a financial milestone at an age milestone
Replies: 50
Views: 5158

Re: Hit a financial milestone at an age milestone

Oh wow, I just realized the OP is from Northern California... NOT a LCOL area.... I'm surprised you managed to save so much living there... I mean really surprised... You sure you don't make more than $200k combined? How long have you two been making that much money? Glad to confirm I'm not complet...
by investingdad
Wed Aug 27, 2014 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hit a financial milestone at an age milestone
Replies: 50
Views: 5158

Re: Hit a financial milestone at an age milestone

2.2 million by age 40, with two kids, and international vacations? Head spinning... 200K in annual income is a substantial number....the average income is $56K, they are 3.5x that figure. A great accomplishment on their part :sharebeer but you have to view this in proper context. The amount you acc...
by investingdad
Wed Aug 27, 2014 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Hit a financial milestone at an age milestone
Replies: 50
Views: 5158

Re: Moving to Eastern PA - need advice

Let's not forget that PHL airport is one of the ugliest airports around. My wife and I fly with our children to Orlando every year and it's almost like airport culture shock when you get to MCO. If you're going to be flying frequently, aim for flights that leave no later than 8am. Getting there an h...
by investingdad
Wed Aug 27, 2014 10:11 am
 
Forum: Personal Consumer Issues
Topic: Moving to Eastern PA - need advice
Replies: 29
Views: 1952

Re: Hit a financial milestone at an age milestone

Nice Job. :happy

Given our similar age and incomes, I'm assuming you made some money either off of real estate or investments that generated outsize returns over typical index funds? Or you don't have kids, that's a big boost to savings.
by investingdad
Wed Aug 27, 2014 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Hit a financial milestone at an age milestone
Replies: 50
Views: 5158

Re: SP500 and recency bias

I keep trying to alter balance by shoving all our 401K money into bond funds but the increase in equity prices means our ratio isn't changing.
by investingdad
Tue Aug 26, 2014 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: SP500 and recency bias
Replies: 23
Views: 2188

Re: Mortgages and financial freedom

My mortgage is a 30 year loan at 3.375%. Our last house had a smaller mortgage but at a higher rate, 4.125%. On the new place, our monthly payment went down by $100 a month even though the nut was bigger. We have opted to continue making the larger payment plus another $20 or so to round it off. The...
by investingdad
Tue Aug 26, 2014 8:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgages and financial freedom
Replies: 111
Views: 7089

Re: did I damage my fridge by leaving the door open for a we

I'd be more concerned about the food that spoiled.

Shortened the compressor life? Probably some. Not enough for me to get bent over in the long run.

Get a cold drink from the fridge and move on. :happy
by investingdad
Mon Aug 25, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: did I damage my fridge by leaving the door open for a week?
Replies: 31
Views: 2863

Re: Moving to Eastern PA - need advice

Having lived in Chester County, PA for many years, I would recommend West Chester, Exton, Chester Springs, Malvern as reasonably close to the PHL airport and great places to live.. I've never lived in these areas but will vouch for them as nice locations. The general rule for each of this counties ...
by investingdad
Mon Aug 25, 2014 3:33 pm
 
Forum: Personal Consumer Issues
Topic: Moving to Eastern PA - need advice
Replies: 29
Views: 1952

Re: Moving to Eastern PA - need advice

Depends what your wants and needs are. If you want to live close to a lovely, bustling, everybody out and walking little town that is quaint (and pricey) I recommend a hard look at Doylestown, the Bucks County seat. It's very Normal Rockwell, tons of people out and about enjoying the boutique shops ...
by investingdad
Mon Aug 25, 2014 2:16 pm
 
Forum: Personal Consumer Issues
Topic: Moving to Eastern PA - need advice
Replies: 29
Views: 1952

Re: Tract Home - Things to Watch During Construction

We're in a tract home type community but the prior builder (local) and our builder (local) all emphasized customization of their floor plans. The current builder (yes, the community is on its THIRD builder...big community that has gone through the housing implosion) is also local but does NOT like t...
by investingdad
Wed Aug 20, 2014 8:58 am
 
Forum: Personal Consumer Issues
Topic: Tract Home - Things to Watch During Construction
Replies: 56
Views: 3326

Re: In-Law Financial Issues (long)

UPDATE 1.) My wife and I are 100% on the same page in this matter. Ok, that makes a big difference then. If your wife feels the same was as you do, the tone of your post can be framed in the proper light. It's not just you complaining about your in-laws money issues, it's you and your wife sharing ...
by investingdad
Tue Aug 19, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: In-Law Financial Issues (long)
Replies: 44
Views: 4295

Re: Kids getting older, thoughts on the future

Mine are 9 and 7 and both play soccer. Their participation motivated me to get back into playing sports myself. But I hear you...the first nine and seven years have gone by pretty quickly. This is why I usually drop what I'm doing when one of them comes to me and say, "Dad...can we play [x]?&qu...
by investingdad
Mon Aug 18, 2014 11:23 am
 
Forum: Personal Consumer Issues
Topic: Kids getting older, thoughts on the future
Replies: 10
Views: 2015

Your biggest "Missed Money" event that still kills you?

Is there one opportunity that you had to make a tidy sum of money that you somehow managed to mess up and it still kills you years later? I realize that investing in individual stocks is not consistent with the Boglehead philosophy, but I still maintain a small amount of money in a trading account t...
by investingdad
Mon Aug 18, 2014 11:15 am
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 8360

Re: In-Law Financial Issues (long)

One other thing I'll add here. My wife and I will complain to each other about both our parents and the other's parents. Between us, each other's family members are fair game for criticism and complaint. We share freely with each other conversation that our parents tell us to "keep to yourself&...
by investingdad
Mon Aug 18, 2014 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: In-Law Financial Issues (long)
Replies: 44
Views: 4295

Re: In-Law Financial Issues (long)

I strongly suggest you have a discussion with your wife about this...they're her parents. I'd caution you to avoid saying things like, "dollars they spend now are really your dollars in the future." They don't need you to move them into a smaller house or tell them how to spend their money...
by investingdad
Mon Aug 18, 2014 8:19 am
 
Forum: Personal Finance (Not Investing)
Topic: In-Law Financial Issues (long)
Replies: 44
Views: 4295

Re: High School Reunions--Have you attended?

My 30th was a couple of years ago. It was to far away to attend, but I did see photo's of the event. The group photo was really confusing, it was full of old/fat/bald (or grey) men. Almost everyone in it was twenty years older than me. (I mean, I've also put on some weight since then, and may have ...
by investingdad
Mon Aug 04, 2014 9:01 am
 
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 5384

Re: How many families use 529 plans?

After a lot of ruminating on 529 plans, we decided not to use them. Our kids are 9 and 7 and I do expect them both to go to college. We decided to make retirement savings our priority and will draw down from taxable accounts to pay for college.
by investingdad
Mon Aug 04, 2014 8:28 am
 
Forum: Personal Finance (Not Investing)
Topic: How many families use 529 plans?
Replies: 107
Views: 6943

Re: High School Reunions--Have you attended?

I graduated in 1991 and attended out tenth (held 1 year late) and 20th (held 2.5 years late). I won't be attending anymore. When the class officers were elected during our senior year it was really just a popularity contenst with only a fraction of the people bothering to cast votes. Said class offi...
by investingdad
Mon Aug 04, 2014 8:26 am
 
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 5384

Re: Can't decide final New Construction Option for Master Ba

Our builder was very flexible and we re-did the layout completely on the bathroom. Instead of a fibreglass insert which is standard, we did the following: - reduced the depth of the linen closet by amost 1 foot and gave it to the width available for the shower - changed direction of the toilet and i...
by investingdad
Fri Aug 01, 2014 10:22 am
 
Forum: Personal Consumer Issues
Topic: Can't decide final New Construction Option for Master Bath
Replies: 16
Views: 1055

Re: New Construction Builder options help me decide

Basement is not finished would be an extra 12k to finish. I'd prefer to not have them finish it because they take alot of the potential sqft out of the basement with the way they place walls etc... Just a note this isn't really a sunroom although they call it that I would call it just an extension ...
by investingdad
Mon Jul 28, 2014 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Construction Builder options help me decide
Replies: 8
Views: 760

Re: New Construction Builder options help me decide

I'd go with the Lexington model, Elevation 6, with the sunroom. Not sure which model you're looking at or if I'm at the right ones, but that one wasn't too bad. If the Saratago, Elevation 4. Be careful with homes that have all brick or stone facade. They can be a source of water intrusion years late...
by investingdad
Mon Jul 28, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: New Construction Builder options help me decide
Replies: 8
Views: 760

Re: What amount of Earnest Money - New Pulte Home

I don't want to scare the OP, but there have been a lot of reported problems with Pulte. Make sure you understand what you're getting with them. If you do a search online about Pulte quality you get a lot of hits that are less than positive. When we built with a local builder putting up this type of...
by investingdad
Mon Jul 28, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: What amount of Earnest Money - New Pulte Home
Replies: 35
Views: 2087
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