Search found 1408 matches

by Rupert
Wed Sep 28, 2016 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: I should probably have life insurance, right?
Replies: 19
Views: 1308

Re: I should probably have life insurance, right?

Costco may not be the best place to buy life insurance. Check term4sale.com or see an independent insurance broker in your community to compare prices. Merely paying off the mortgages may not be enough, especially if your wife is unable to reproduce your income after you die. Generally people buy en...
by Rupert
Tue Sep 27, 2016 12:03 pm
Forum: Personal Consumer Issues
Topic: Home not to current code
Replies: 26
Views: 2144

Re: Home not to current code

In my town, renovations of a certain size (i.e., that increase the value of the house by some specified %) trigger a duty to bring all major systems (e.g., electrical, plumbing, sewer) up to code as part of the renovation, even if you weren't planning to disturb those systems as part of the renovati...
by Rupert
Mon Sep 26, 2016 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Cancer Insurance
Replies: 23
Views: 1460

Re: Cancer Insurance

I have noticed a trend lately of MD Anderson, in particular, "partnering" with smaller, less prestigious hospitals to provide cancer care. There's one sort of not-so-great hospital in my town that has done this. They are advertising the relationship like crazy. Perhaps some doctors reading...
by Rupert
Thu Sep 22, 2016 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Dispute Life Insurance Rate/Rating?
Replies: 7
Views: 437

Re: Dispute Life Insurance Rate/Rating?

I've said this many times on this forum: If you are completely healthy, sites like term4sale are great. If, however, you have medical history, you should shop for life insurance using an independent broker in your community. And, OP, that's what I would do now for you wife. I would talk to an indepe...
by Rupert
Thu Sep 22, 2016 9:38 am
Forum: Personal Consumer Issues
Topic: What SUV for Sister in law?
Replies: 15
Views: 1206

Re: What SUV for Sister in law?

My mother in law has put 240,000 miles on her Hyundai Tucson, and she's still driving it. No major mechanical problems. It's worth a look.
by Rupert
Thu Sep 22, 2016 9:32 am
Forum: Personal Consumer Issues
Topic: Should I appeal dental claim denial?
Replies: 27
Views: 1679

Re: Should I appeal dental claim denial?

My kid is 9. Had 4 molars sealed. Dental insurance denies the claim saying we've aged out. The benefits page says sealants are covered on "children up to age 9." When I called to ask why the claim was denied, customer service rep told me that meant up to their 9th birthday. 1) informal po...
by Rupert
Wed Sep 21, 2016 2:46 pm
Forum: Personal Consumer Issues
Topic: Stolen Medical Data
Replies: 9
Views: 1134

Re: Stolen Medical Data

How do you prevent people from stealing and using your ID for medical stuff? I see that as the most likely risk or reason someone might steal Medical records. They have the SSN numbers and Medicare numbers and second insurance cards and so forth. So they can make fake cards and use those to get med...
by Rupert
Wed Sep 21, 2016 11:45 am
Forum: Personal Finance (Not Investing)
Topic: "Women and Investing" class offered by Employer
Replies: 84
Views: 5805

Re: "Women and Investing" class offered by Employer

Reading through this thread, I've been trying to think of a valid reason why an employer might sponsor a seminar directed towards the financial needs of only its female employees. And that got me thinking about my own firm and the fact that 100% of the non-highly-compensated employees at my firm are...
by Rupert
Tue Sep 20, 2016 10:41 am
Forum: Personal Consumer Issues
Topic: Clomid+IUI and IVF Cost Help [In Vitro Fertilization]
Replies: 16
Views: 1187

Re: Clomid+IUI and IVF Cost Help

I think the total cost (insurance + our portion) was ~$1000 for one round of IUI+Clomid. We were lucky that it worked the first time. One thing to check is if your insurance covers with testing vs. the procedure. Luckily our insurance at the time covered the testing, but not the procedure. Most of ...
by Rupert
Mon Sep 19, 2016 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Why not take a loan for a car
Replies: 58
Views: 4116

Re: Why not take a loan for a car

OP, there are some Bogleheads who will never admit that financing a car is a good idea. They remind me of the folks who insist that the oil in a car must be changed every 3 months, no matter how many authorities, including the car's manufacturer, tell them otherwise. Fact is, financing can sometimes...
by Rupert
Mon Sep 19, 2016 9:33 am
Forum: Personal Consumer Issues
Topic: Cities like New Orleans?
Replies: 112
Views: 5202

Re: Cities like New Orleans?

There are smaller cities/towns all along the Gulf Coast that have that New Orleans look and feel without the crime and debauchery that you find in New Orleans. All are going to be affected by hurricanes from time to time but not all are at the same risk of flooding as New Orleans. For a mid-size ci...
by Rupert
Mon Sep 19, 2016 8:09 am
Forum: Personal Consumer Issues
Topic: Cities like New Orleans?
Replies: 112
Views: 5202

Re: Cities like New Orleans?

There are smaller cities/towns all along the Gulf Coast that have that New Orleans look and feel without the crime and debauchery that you find in New Orleans. All are going to be affected by hurricanes from time to time but not all are at the same risk of flooding as New Orleans. For a mid-size cit...
by Rupert
Fri Sep 16, 2016 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Baby deals
Replies: 43
Views: 2434

Re: Baby deals

Any recommendations on re-usable or cloth diapers? Diapers are a money pit and that's not even what I hate about them the most. Imagine so many babies' diapers filling up the landfills after so much resource was put into making them. On cloth versus disposable diapers: http://www.slate.com/articles...
by Rupert
Thu Sep 15, 2016 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Will Medicare take away my Social Security?
Replies: 18
Views: 1948

Re: Will Medicare take away my Social Security?

Rising healthcare costs in general are the problem. It's not unique to Medicare and Social Security. Insurance premiums and deductibles are gobbling up everyone's salary; retirees are not immune. But, yeah, go ahead and exclude Social Security from your calculations. What's the harm in that?
by Rupert
Thu Sep 15, 2016 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Should I Cancel My Term Life Insurance?
Replies: 30
Views: 1231

Re: Should I Cancel My Term Life Insurance?

Will your family be able to live without your income if you die? If the answer is no, you should keep the life insurance. The primary purpose (IMHO) of life insurance is to provide for those who are dependent upon your income. If no one is dependent on your income, there is no *need* for life insur...
by Rupert
Wed Sep 14, 2016 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Denied Term Life Insurance/A Reminder to Get Your House in Order
Replies: 38
Views: 3356

Re: Denied Term Life Insurance/A Reminder to Get Your House in Order

Texan I am sorry to hear about your predicament and wish you all the best. I really do not mean to hijack this thread at all, but I think this situation triggers a question that I have had for some time: You hear a lot of people suggesting people purchase term life insurance early when they are &qu...
by Rupert
Wed Sep 14, 2016 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Denied Term Life Insurance/A Reminder to Get Your House in Order
Replies: 38
Views: 3356

Re: Denied Term Life Insurance/A Reminder to Get Your House in Order

I would not dial back on retirement savings because, as you say, you are more likely to retire than you are to die prematurely. But I would try to cut back elsewhere (there are always things to cut in any budget, e.g., cable television, cellphone plans, vacations, new cars, eating out) to save a lot...
by Rupert
Wed Sep 14, 2016 9:06 am
Forum: Personal Finance (Not Investing)
Topic: First Child - Financial Decisions / Impacts?
Replies: 14
Views: 1184

Re: First Child - Financial Decisions / Impacts?

Have you thought about schools yet? Is your house in a good public school district, or should you start thinking about moving before your kid reaches kindergarten age (which today is age 4 in most places)? If public schools are not an option in your area, have you put your kid's name on the private ...
by Rupert
Wed Sep 14, 2016 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Term-life suggestions
Replies: 18
Views: 1127

Re: Term-life suggestions

I am sure you have considered the amount but $300k seems like a very small policy. In 30 years $300k will have the buying power of a lot less in today's dollars. I would think ahead more and get $500k at least. Your income will be higher, stuff will cost more, etc.... I don't sell life insurance bt...
by Rupert
Tue Sep 13, 2016 11:47 am
Forum: Personal Finance (Not Investing)
Topic: No health insurance - please help.
Replies: 24
Views: 2089

Re: No health insurance - please help.

Payflex is not an insurance company. It's a company that administers employer-sponsored cafeteria plans, which leads me to believe you were actually covered under COBRA. But who was your insurer?
by Rupert
Tue Sep 13, 2016 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Long term care rate increase
Replies: 21
Views: 1959

Re: Long term care rate increase

There were some terrific policies written when LTC insurance first started becoming widely available. My parents purchased a policy from Genworth and we recently had to use it. I had to read the fine print and it is truly an amazing policy. So much so, that those types of policies are no longer bei...
by Rupert
Fri Sep 09, 2016 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card After Death
Replies: 23
Views: 2357

Re: Credit Card After Death

Having said that, I'll bet credit cards can go on for years after the owner dies, if the secondary user continues making payments. They can, but it is not likely. 95% of deaths in the United States are recorded in the Social Security Death Master File. Banks subscribe to the Death Master File so th...
by Rupert
Fri Sep 09, 2016 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Waterfront Lot in Florida - Worthless or Priceless?
Replies: 31
Views: 2320

Re: Waterfron Lot in Florida - Worthless or Priceless?

We can speculate all day about what could be built there. But the important question for you is what do the local zoning laws allow to be built there? Because of the hurricane risk, the building codes are pretty strict in Florida. They may not allow you to put a semi-permanent structure, such as a m...
by Rupert
Fri Sep 09, 2016 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Gas station - good business?
Replies: 69
Views: 5381

Re: Gas station - good business?

The anecdote I always hear is you don't make any money on selling gas, you make money on having a store people stop in when they get their gas to pick up soda, milk, lottery, etc. so it is all about how well your "store" does. Or - if you have an associated "service station" - t...
by Rupert
Fri Sep 09, 2016 9:41 am
Forum: Personal Consumer Issues
Topic: Attic Fan for Ventilation
Replies: 11
Views: 875

Re: Attic Fan for Ventilation

If you decide to add a power fan you need to seal the attic from the conditioned living space to avoid the common problem of drawing conditioned air into the attic. Without sealing you will use more energy due to A/C running more often. +1. This is what I was told when I considered adding an attic ...
by Rupert
Fri Sep 09, 2016 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card After Death
Replies: 23
Views: 2357

Re: Credit Card After Death

Using it after her death is potentially criminal fraud -- access device fraud under 18 USC 1029 and maybe even aggravated identity theft under 18 USC 1028A. Even though you don't have any intent to defraud, and hence might not be convictable, you still don't want to be the subject of a federal crimi...
by Rupert
Thu Sep 08, 2016 3:43 pm
Forum: Personal Consumer Issues
Topic: Emergency SmartPhone for a 90+ year old
Replies: 41
Views: 2376

Re: Emergency SmartPhone for a 90+ year old

I would never thrust a smartphone upon my mother. She gets completely overwhelmed when her tablet, which she uses to read email and play mah jong and solitaire and which I have streamlined as much as is possible, prompts her for software updates. I would instead look into some of the gps tracking pr...
by Rupert
Thu Sep 08, 2016 1:20 pm
Forum: Personal Consumer Issues
Topic: What does a man have to do to get the new iPhone?
Replies: 26
Views: 2285

Re: What does a man have to do to get the new iPhone?

You should skip the 7 and upgrade next time, which will be on the iPhone's 10th anniversary. Rumor is that's when the big changes are coming.
by Rupert
Thu Sep 08, 2016 12:00 pm
Forum: Personal Consumer Issues
Topic: Any King Charles Cavalier Spaniel owners here?
Replies: 29
Views: 2101

Re: Any King Charles Cavalier Spaniel owners here?

My neighbor has a poodle mixed with a schnauzer. I think it's called a schnoodle or snickerdoodle or something like that. There's a breeder near where I live; so actually I see a lot of the dogs around town. It's similar in size to the cavalier king charles (which I can attest does shed -- a lot; an...
by Rupert
Wed Sep 07, 2016 1:45 pm
Forum: Investing - Theory, News & General
Topic: Personal Fiduciary responsibility for company 401k
Replies: 2
Views: 207

Re: Personal Fiduciary responsibility for company 401k

I think you mean 3(21) and 3(38). Neither lets you completely off the hook re fiduciary liability. 3(21) only allows you to share, not completely eliminate, your potential liability. 3(38) does allow you to transfer potential liability but only with respect to the fund lineup. You're still on the ho...
by Rupert
Wed Sep 07, 2016 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Inheriting lake property with 2 other siblings
Replies: 60
Views: 4757

Re: Inheriting lake property with 2 other siblings

My parents have created a trust which will own their lake home and is funded to be able to pay all typical fees (and some atypical ones) for what they feel is ~2 generations. At that point, the trust will either A: Reassess and redo terms to allow families to obtain money, while home remains in han...
by Rupert
Tue Sep 06, 2016 9:09 am
Forum: Personal Consumer Issues
Topic: Emergency radio with hand crank
Replies: 30
Views: 2392

Re: Emergency radio with hand crank

I'm a veteran of several hurricanes in which power was out for 2+ weeks in my neighborhood. My opinion: You don't need supplies like a hand-crank radio unless it's possible for power to be out in your area for more than a few days at a time. Just always keep a drawer full of batteries, both recharge...
by Rupert
Tue Sep 06, 2016 8:56 am
Forum: Personal Consumer Issues
Topic: Heart rate monitor options
Replies: 15
Views: 1078

Re: Heart rate monitor options

My experience has been that the wrist monitors are alright for getting a general sense of how you're doing heartrate-wise. But they are glitchy and not accurate enough (or, some would argue, at all) during strenuous exercise. See the recent class-action suit filed against Fitbit for evidence. So whe...
by Rupert
Tue Sep 06, 2016 8:27 am
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 52
Views: 3230

Re: Hearing aid 101

The ideal would be to find an audiologist who has no business connection at all with any hearing aid manufacturer or dispensary who would be willing to do the tests and make a professional evaluation of how suitable the $500 Internet-sold hearing aids are, before going ahead with the more expensive...
by Rupert
Mon Sep 05, 2016 7:10 pm
Forum: Personal Consumer Issues
Topic: Trip to Germany
Replies: 22
Views: 1808

Re: Trip to Germany

Thank you all for the great suggestions. Since I'm flying out of Munich, I think we will try to stay there a couple nights before leaving and catch the first days of Oktoberfest. Any suggestions of hotels or areas to stay in. Preferably within walking distance of events. Wish me luck finding someth...
by Rupert
Thu Sep 01, 2016 9:15 am
Forum: Personal Finance (Not Investing)
Topic: can't use testamentary trust as beneficiary, what next?
Replies: 28
Views: 2164

Re: can't use testamentary trust as beneficiary, what next?

In most states, probating a Will is a small part of the work in an estate administration. It's generally not particularly difficult, expensive or burdensome. I was of the impression that a routine probate costs $5K - $10K and takes up to a year to complete. Was I mistaken? Totally depends on your l...
by Rupert
Wed Aug 31, 2016 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Spine injury - How can I get health insurance?
Replies: 31
Views: 2464

Re: Spine injury - How can I get health insurance?

I am sure that surgeons that you find through Medi-Cal will not be the best. Generally not a true statement. +1. In most places (I know nothing about California in particular), the best surgeons work for university hospitals, which, as a rule, serve Medicaid patients. But do they take new patients,...
by Rupert
Wed Aug 31, 2016 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Spine injury - How can I get health insurance?
Replies: 31
Views: 2464

Re: Spine injury - How can I get health insurance?

BolderBoy wrote:
Derivative wrote:I am sure that surgeons that you find through Medi-Cal will not be the best.

Generally not a true statement.


+1. In most places (I know nothing about California in particular), the best surgeons work for university hospitals, which, as a rule, serve Medicaid patients.
by Rupert
Tue Aug 30, 2016 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Good School District or Private School?
Replies: 77
Views: 4505

Re: Good School District or Private School?

When you can afford either option without stretching or sacrificing your retirement savings, which you clearly can, then I think the intangible factors become more important, e.g., commute time, social issues. Also, and you probably don't really realize this yet since you don't yet have kids, having...
by Rupert
Mon Aug 29, 2016 4:18 pm
Forum: Personal Consumer Issues
Topic: Recommend a Prisoners' Rights Non-Profit?
Replies: 16
Views: 854

Re: Recommend a Prisoners' Rights Non-Profit?

Families Against Mandatory Minimums (FAMM) does good work in the area of sentencing reform, with a particular emphasis on the fight against draconian mandatory minimum prison sentences in non-violent drug cases. This looks excellent and right up my ally. Have you had any experience working with the...
by Rupert
Mon Aug 29, 2016 3:47 pm
Forum: Personal Consumer Issues
Topic: Recommend a Prisoners' Rights Non-Profit?
Replies: 16
Views: 854

Re: Recommend a Prisoners' Rights Non-Profit?

Families Against Mandatory Minimums (FAMM) does good work in the area of sentencing reform, with a particular emphasis on the fight against draconian mandatory minimum prison sentences in non-violent drug cases.
by Rupert
Mon Aug 29, 2016 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have just a regular ol' Savings Account?
Replies: 28
Views: 2988

Re: Anyone have just a regular ol' Savings Account?

I only use one savings account and I would encourage others to do the same. The main reason being that I think having separate accounts encourages mental accounting which can often result in overspending. For example let's say you plan on purchasing a car a year from now so you conservatively set a...
by Rupert
Mon Aug 29, 2016 9:18 am
Forum: Personal Consumer Issues
Topic: T-Mobile New 'One' Plan
Replies: 25
Views: 2615

Re: T-Mobile New 'One' Plan

Of the big three companies, I have found T-Mobile to be the best to work with from a customer service perspective. Coverage is good in major metro areas and along interstate highways (usually) but terrible in rural areas, where I think Verizon is still king.
by Rupert
Fri Aug 26, 2016 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Can we get by without permanent life insurance?
Replies: 85
Views: 5354

Re: Can we get by without permanent life insurance?

Your BIL sells insurance. You're right. He's got a conflict of interest. That's really all you need to know.
by Rupert
Fri Aug 26, 2016 11:23 am
Forum: Personal Finance (Not Investing)
Topic: TERM Life Insurance Only On Breadwinner?
Replies: 16
Views: 954

Re: TERM Life Insurance Only On Breadwinner?

Who will care for the child if she dies? Will you have to pay someone to do so? Who will clean your house, do your grocery shopping, cook your meals, take your kid to the doctor, attend all future school functions involving your child, etc., if she dies? Will you have to pay someone or work less to ...
by Rupert
Fri Aug 26, 2016 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Hiring a Family Law / Divorce Attorney
Replies: 6
Views: 685

Re: Hiring a Family Law / Divorce Attorney

Just fyi: Most divorce attorneys are not going to give you a free initial consultation. Usually it's only lawyers who work on a contingency fee who do that (i.e., personal injury lawyers). So I wouldn't interview too many because that could get expensive. My take on divorce lawyers (of which I am no...
by Rupert
Fri Aug 26, 2016 8:20 am
Forum: Personal Consumer Issues
Topic: Question about employee development
Replies: 28
Views: 1376

Re: Question about employee development

Unfortunately, some people can't be taught to write well. So you may be completely wasting your time and his trying to train him. I would be irritated at the MBA program that graduated him. I would probably even write them a letter about it. I did that once to a law school that sent me a terrible in...
by Rupert
Thu Aug 25, 2016 8:21 am
Forum: Personal Consumer Issues
Topic: Qualifying for SS Disability
Replies: 16
Views: 1809

Re: Qualifying for SS Disability

Note that the date of disability is not necessarily the same as the date of diagnosis. If you experience symptoms prior to diagnosis that cause you to stop work or reduce your working hours, then the disability really began at that point. It's really important what the doctor says. The department th...
by Rupert
Wed Aug 24, 2016 11:43 am
Forum: Personal Consumer Issues
Topic: Dealing with insurance companies
Replies: 25
Views: 1076

Re: Dealing with insurance companies

You should be able to file a claim on your own collision policy and have your insurance company pursue the other guy through subrogation. The only downside to doing that is you have to pony up your deductibles when you get the car repaired and then wait for your insurance company to reimburse that ...
by Rupert
Wed Aug 24, 2016 11:40 am
Forum: Personal Consumer Issues
Topic: Car leases: not that expensive, after all, if you can't do maintenance yourself?
Replies: 32
Views: 3098

Re: Car leases: not that expensive, after all, if you can't do maintenance yourself?

BTW, the description of emergency isn't wrong if you have to closely watch it and continue to keep pouring fluid. You are providing emergency life support. Would losing between 1/8 and 1 quart of oil be an emergency if you could "keep pouring some fluid in there and monitor it closely for a lo...

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