Search found 3236 matches

by Rupert
Mon Jul 16, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: Heart Rate Monitors Fitbit vs. Garmin
Replies: 12
Views: 554

Re: Heart Rate Monitors Fitbit vs. Garmin

I have actually found the Fitbit Charge HR 2 to be a great improvement over the Fitbit Charge HR.
by Rupert
Mon Jul 16, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 27
Views: 2601

Re: Amazon Prime Day 2018

I was able to purchase something about 10 minutes ago. So it's working, just intermittently.
by Rupert
Mon Jul 16, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 27
Views: 2601

Re: Amazon Prime Day 2018

how does this prime day even work I've never done it before. I keep clicking on "shop all deals" and nothing happens? They've seem to run into some issues. You're probably not missing much, it's way overblown and is nothing like Black Friday deals IMO. Yes, it appears the site is not working at pre...
by Rupert
Mon Jul 16, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 68
Views: 2953

Re: Why own a bed?

I don't really understand the question. Last time I bought a mattress, the box spring came with it. I just kept using the old bed frame. If you like using a mattress on the floor, by all means go for it. I would think it would be difficult to find a night table that's a good height to work with tha...
by Rupert
Mon Jul 16, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Suggestions For Re-attaching a Closet Handle
Replies: 20
Views: 422

Re: Suggestions For Re-attaching a Closet Handle

If you don't care what it looks like on the inside, you can cut (or have cut) a small piece of wood to attach to the inside which would give you something to screw into. You'll, of course, need longer screws.
by Rupert
Mon Jul 16, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 68
Views: 2953

Re: Why own a bed?

Mattresses, especially foam ones, need air circulation on both sides, or mold will grow there. So if you keep yours directly on the floor, be sure to prop it up on its side for a while once a week or so to air out. Also, some people with health issues (back, knee problems, etc.), have a hard time ge...
by Rupert
Mon Jul 16, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Question Regarding Life Insurance
Replies: 5
Views: 239

Re: Question Regarding Life Insurance

Are your premiums automatically debited from your checking account? If so, can you stop paying that way? I pay my premium once annually by ACH transfer. The insurance company sends me an email reminder a month or so before the payment is due. When I'm ready to terminate the policy, I simply won't pa...
by Rupert
Sun Jul 15, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: How often do you buy a primary residence?
Replies: 43
Views: 3137

Re: How often do you buy a primary residence?

In my region, super traditional sell the best. New houses are built to look 200 years old and actual 200 year old houses that are updated inside bring even more. Moving because a house is out of style is the silliest thing I've heard in a long time. +1. OP, where in the world do you live that 60-ye...
by Rupert
Sun Jul 15, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Choosing a Used Car Model
Replies: 13
Views: 1130

Re: Choosing a Used Car Model

Your wife is not going to get a feel for driving a larger car on a short test drive. After driving a sedan for a long time, I found that it took me a couple of weeks to adjust to driving a minivan. Now I'm completely comfortable in it. If you pay close attention to minivans you see in parking lots, ...
by Rupert
Sat Jul 14, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Questioning insurance valuation for homeowners
Replies: 24
Views: 1178

Re: Questioning insurance valuation for homeowners

While the insured value of your home should not include the value of the lot your home sits on, it should take into account the cost of clearing the lot prior to rebuilding on it. That can be quite expensive, especially after a large natural disaster.
by Rupert
Sat Jul 14, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Braces: Keeping cost down and insurance questions.
Replies: 16
Views: 1100

Re: Braces: Keeping cost down and insurance questions.

Do you and your wife both have dental coverage right now, or could you stack enrollment in your respective plans, i.e., enroll the family in your plan for a couple of years and then enroll the family in her plan for a couple of years? If the latter, then I think maybe you could get both plans to pay...
by Rupert
Sat Jul 14, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Questioning insurance valuation for homeowners
Replies: 24
Views: 1178

Re: Questioning insurance valuation for homeowners

State Farm uses an algorithm to come up with that insured value figure. It takes into account the cost of construction in your region, not just general inflation. In other words, it reflects what it would cost you to rebuild your house on your lot in your town, not what your house is worth (fair mar...
by Rupert
Fri Jul 13, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodel
Replies: 23
Views: 1665

Re: Kitchen Remodel

WhiteMaxima wrote:
Fri Jul 13, 2018 4:50 pm
My thinking is to cook more healthy and tasty food at home instead of going out. Spend more to save.
You don't need a Viking range or Subzero refrigerator to do that. You'll have more money to buy better food if you buy cheaper appliances.
by Rupert
Fri Jul 13, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodel
Replies: 23
Views: 1665

Re: Kitchen Remodel

Never buy an expensive appliance for which there is no local repairman.
by Rupert
Fri Jul 13, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Question for pre-ACA Early Retirees and pre-ACA solo folks
Replies: 33
Views: 1828

Re: Question for pre-ACA Early Retirees and pre-ACA solo folks

OP, the effectiveness of the pre-ACA high-risk pools varied significantly by state. People died waiting to get into those pools. Lots of stories on the internet about those pools.
by Rupert
Fri Jul 13, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Logging out 20 acre lot?
Replies: 37
Views: 2429

Re: Logging out 20 acre lot?

Have you tried selling it to the adjoining property owners? (FYI: I know that part of the world quite well. There's nothing there but scrubby timberland and a federal prison.)
by Rupert
Fri Jul 13, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Denied for an auto loan 2 weeks after purchase??
Replies: 38
Views: 4262

Re: Denied for an auto loan 2 weeks after purchase??

OP, you might find this thread from just a few months ago helpful. viewtopic.php?f=2&t=248386
by Rupert
Fri Jul 13, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Do insurance agents add value? How?
Replies: 24
Views: 1404

Re: Do insurance agents add value? How?

There are good agents and bad agents. Good agents are often helpful, as they can help you navigate through a claims thicket from time to time, help you negotiate with the insurance company re insured value of a home, etc. (Note, I think this may actually be more true in a small town, where insurance...
by Rupert
Fri Jul 13, 2018 7:54 am
Forum: Personal Consumer Issues
Topic: Someone is using my cellphone number
Replies: 21
Views: 2747

Re: Someone is using my cellphone number

Sometimes stores ask for a phone number or email address at the cash register. They do this allegedly to make it easier for you to return items without a receipt. I always refuse to give them any information. Other people likely just make up a number. Someone may have made up your number, and your n...
by Rupert
Fri Jul 13, 2018 7:48 am
Forum: Personal Finance (Not Investing)
Topic: New construction: financing fell through, builder won't return deposit/earnest $
Replies: 37
Views: 3299

Re: New construction: financing fell through, builder won't return deposit/earnest $

8foot7 wrote:
Fri Jul 13, 2018 7:46 am
What an amazing deterioration of this thread.
Indeed.
by Rupert
Fri Jul 13, 2018 7:25 am
Forum: Personal Finance (Not Investing)
Topic: New construction: financing fell through, builder won't return deposit/earnest $
Replies: 37
Views: 3299

Re: New construction: financing fell through, builder won't return deposit/earnest $

The phrasing of your response makes me think all of that legal experience was gained as a pro se litigant. Is my suspicion correct? Clever Dodge of the questions asked and still not contributing to the thread. If you're an attorney, have you read your state bar rules/advice re dispensing legal advi...
by Rupert
Fri Jul 13, 2018 7:17 am
Forum: Personal Consumer Issues
Topic: My roof looks like a patchwork quilt/insurance companies
Replies: 11
Views: 1061

Re: My roof looks like a patchwork quilt/insurance companies

Even if the insurance company won't pay, I would replace that roof. Unfortunately, I doubt any other insurance company will write you a policy until you do replace the roof. So I'm not sure shopping around for a new insurance company is going to help you. (It might make you feel better.)
by Rupert
Fri Jul 13, 2018 7:15 am
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 9202

Re: When does frugal cross the line to cheapskate?

I define a cheapskate as someone who frequently takes advantage of the generosity of others but never reciprocates.
by Rupert
Thu Jul 12, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Costco Membership
Replies: 46
Views: 4859

Re: Costco Membership

I love Costco, and I strongly dislike Walmart. That said, last time I checked, Walmart has a better warranty on kid's glasses than Costco does.
by Rupert
Thu Jul 12, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Question for pre-ACA Early Retirees and pre-ACA solo folks
Replies: 33
Views: 1828

Re: Question for pre-ACA Early Retirees

One notable success of the ACA is the extent to which personal bankruptcies have declined since its implementation (by 50%!). See https://www.consumerreports.org/personal-bankruptcy/how-the-aca-drove-down-personal-bankruptcy/ . That tells a story, too. Note also that, pre-ACA, some states did a bet...
by Rupert
Thu Jul 12, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Question for pre-ACA Early Retirees and pre-ACA solo folks
Replies: 33
Views: 1828

Re: Question for pre-ACA Early Retirees

OP, if you Google the term "job lock," you'll find lots of news stories (and even some studies -- Google "job lock" and "Austin Frakt") containing information about the insurance situation for early retirees pre-ACA. There's fairly robust evidence that pre-existing condition exclusions locked people...
by Rupert
Thu Jul 12, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: New construction: financing fell through, builder won't return deposit/earnest $
Replies: 37
Views: 3299

Re: New construction: financing fell through, builder won't return deposit/earnest $

Well, you could walk in front of the development with a big sign saying "XXXX kept my money". Talk to every person coming in to look at houses. Can't see how the builder could stop you. Crazy I know, but it is a significant amount of money and they intend on keeping it. So that the builder sues OP ...
by Rupert
Thu Jul 12, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Grandpa's 88 and has term life insurance
Replies: 39
Views: 2805

Re: Grandpa's 88 and has term life insurance

Cancel it, and I wouldn't be so sure about the "sound mind" if he's paying $900/month for a $100K term life insurance policy.
by Rupert
Thu Jul 12, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 2528

Re: How to plan for health insurance at a young age?

I am all for open, honest discussions. These ministries seem to be put forth when people ask about health insurance. They are not health insurance, that would a good place to start the discussion. OK, let's have a discussion. Why are they not health insurance? What is your definition of health insu...
by Rupert
Thu Jul 12, 2018 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Preparing non-technocrat spouse $ Mgmt
Replies: 25
Views: 2095

Re: Preparing non-technocrat spouse $ Mgmt

OP, your wife reminds me of my mother, who is just a few years older than you are. She called me yesterday to ask for the password for her tablet computer, which I keep in my files for reasons that will become clear. Turns out, upon further investigation, that she actually needed the password for he...
by Rupert
Thu Jul 12, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance for Couple Early Retirement
Replies: 29
Views: 2287

Re: Health Insurance for Couple Early Retirement

Also, my brother has the impression that if you qualify for a subsidy under the ACA that you are placed on some form of Medicaid.I do not think that is true. He wants to have very good coverage that will ensure that they can see the best doctors in the field should it become necessary. This is a co...
by Rupert
Thu Jul 12, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: Auto Tariffs: time to buy?
Replies: 63
Views: 3558

Re: Auto Tariffs: time to buy?

The Honda Odyssey is manufactured in Lincoln, Alabama. The Toyota Sienna is manufactured in Princeton, Indiana. I was unaware that we're imposing tariffs on Alabama and Indiana. But I guess I would not be surprised to hear that we are. I guess I'm lucky as I just bought a Subaru....also built in In...
by Rupert
Thu Jul 12, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: AOL - update to terms of service
Replies: 29
Views: 2006

Re: AOL - update to terms of service

I use Yahoo mail as my spam/commercial account. I actually hope they do read all the junk email I get from Pottery Barn and its many affiliates everyday. :twisted:
by Rupert
Wed Jul 11, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 2528

Re: How to plan for health insurance at a young age?

But that might not be a real problem for someone on a healthshare plan as they may know that hitting that $1 million cap is a possibility well before it actually happens. That's an example of gaming the system, which will lead to the system's eventual collapse (edited to add: if enough people do it...
by Rupert
Wed Jul 11, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 2528

Re: How to plan for health insurance at a young age?

One thought, assuming 99% of things are covered under the ministry plan insurance.... if/when someone finds they do have an ailment that will cost more than the $1m cap, what do they do? Try signing up for a regular insurance plan in hopes the pre-existing condition doesn't prevent them from gettin...
by Rupert
Wed Jul 11, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 2528

Re: How to plan for health insurance at a young age?

One thought, assuming 99% of things are covered under the ministry plan insurance.... if/when someone finds they do have an ailment that will cost more than the $1m cap, what do they do? Try signing up for a regular insurance plan in hopes the pre-existing condition doesn't prevent them from gettin...
by Rupert
Wed Jul 11, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 2528

Re: How to plan for health insurance at a young age?

One thought, assuming 99% of things are covered under the ministry plan insurance.... if/when someone finds they do have an ailment that will cost more than the $1m cap, what do they do? Try signing up for a regular insurance plan in hopes the pre-existing condition doesn't prevent them from gettin...
by Rupert
Wed Jul 11, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 2528

Re: How to plan for health insurance at a young age?

One thought, assuming 99% of things are covered under the ministry plan insurance.... if/when someone finds they do have an ailment that will cost more than the $1m cap, what do they do? Try signing up for a regular insurance plan in hopes the pre-existing condition doesn't prevent them from gettin...
by Rupert
Wed Jul 11, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 2528

Re: How to plan for health insurance at a young age?

Scientists at Johns Hopkins recently reported that 66% of cancers are caused by random DNA copying errors, 29% are attributable to lifestyle/environmental factors, and 5% are inherited. See https://www.hopkinsmedicine.org/news/media/releases/new_study_finds_that_most_cancer_mutations_are_due_to_rand...
by Rupert
Wed Jul 11, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Neighbor’s Contractor Damaged Adjoining Property
Replies: 30
Views: 2044

Re: Neighbor’s Contractor Damaged Adjoining Property

And I don't know why non-lawyers are so quick to chime in with their thoughts / suggestions. Law isn't just for lawyers, it is for everyone. Some small claims courts don't even allow lawyers to represent clients in court. There is a difference between “the law”, which is for everyone, and giving le...
by Rupert
Wed Jul 11, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Printing photos from JPG files
Replies: 30
Views: 1031

Re: Printing photos from JPG files

Make sure to get a legal release from your photographer to print the photos. The photographer owns the copyright, and some print shops won't print the photos without a release from the photographer. I haven't had this problem with the on-line sites.
by Rupert
Wed Jul 11, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 2528

Re: How to plan for health insurance at a young age?

What should I be searching in the forums for? I tried Healthcare costs but that was all over the place for posts. Search for "healthcare sharing ministry." That's not what most of those prior threads are all about, but healthcare sharing ministries always seem to come up in those threads. So it's a...
by Rupert
Wed Jul 11, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need Commercial Auto Insurance for a Business vehicle?
Replies: 14
Views: 758

Re: Do I need Commercial Auto Insurance for a Business vehicle?

I do have a business license from my city. Are you suggesting getting a personal auto policy and getting it endorsed for use by business? That would help in deducting business expenses? Call your insurance company (or an insurance company, if you don't presently have any auto insurance) and ask the...
by Rupert
Wed Jul 11, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5286

Re: Anyone take naps at work?

Only one guy naps at my work. He's well past full retirement age. We thought he had narcolepsy because he would nod off while sitting at his desk without even realizing it, but, after testing, it was determined to be sleep apnea. Either way, he probably should retire. Napping is not part of our work...
by Rupert
Wed Jul 11, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Neighbor’s Contractor Damaged Adjoining Property
Replies: 30
Views: 2044

Re: Neighbor’s Contractor Damaged Adjoining Property

The person should contact the contractor who built the driveway. If it can’t handle a truck driving on it, it wasn’t built properly. Well, now, that would depend on the truck, wouldn't it? And on any guarantees made by the concrete contractor when the driveway was poured. I happen to be having a ne...
by Rupert
Wed Jul 11, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: Masterbath Remodel - Tub or No Tub ?
Replies: 57
Views: 3129

Re: Masterbath Remodel - Tub or No Tub ?

Smaller tiles on the floor are also for *safety*. Large tiles get slippery. There are plenty of large tiles designed specifically for shower floors. They have nonslip textures. Tumbled texture is available in all sizes and you are getting more anti-slip from grout likely. What have you had to do fo...
by Rupert
Wed Jul 11, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 2528

Re: How to plan for health insurance at a young age?

There is absolutely no way to predict what sort of healthcare system we will have in this country 15-20 years from now, let alone what it will cost. You should read through the many posts written by early retirees in their 50s re what they pay for health insurance and how much the cost increases eac...
by Rupert
Wed Jul 11, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance for elderly immigrants
Replies: 6
Views: 376

Re: Health insurance for elderly immigrants

I thought lawful immigrants over age 65 could buy into Medicare after 5 years? There have been prior threads on this issue, which you might search for, OP.
by Rupert
Wed Jul 11, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: Masterbath Remodel - Tub or No Tub ?
Replies: 57
Views: 3129

Re: Masterbath Remodel - Tub or No Tub ?

Thanks again for the additional feedback. We are more confident in the NO TUB decision for our master bath. One additional comment -- we have a very high ceiling in master bath so the shower would not be enclosed on top. For those that put in walk-in showers / wet areas. Are there any must have's, ...
by Rupert
Wed Jul 11, 2018 8:23 am
Forum: Investing - Help with Personal Investments
Topic: When to start taxable?
Replies: 22
Views: 1968

Re: When to start taxable?

I'll be the contrarian here. Whether it makes sense to max your 401k before investing in a taxable account depends, in large part, on whether you need to max that account in order to reach your retirement goals and on what your other goals are. For example, if you have a pension, in addition to a 40...