Search found 1191 matches

by Rupert
Thu May 26, 2016 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Forced use of automatic ACH withdrawals?
Replies: 12
Views: 804

Re: Forced use of automatic ACH withdrawals?

Good daycares are hard to find and have long waiting lists. So if you're happy with this daycare and don't otherwise have problems with them, I'd just swallow this one and go on with my life.
by Rupert
Thu May 26, 2016 12:39 pm
Forum: Personal Consumer Issues
Topic: Advice on Mom's Fence / Neighbor
Replies: 39
Views: 1652

Re: Advice on Mom's Fence / Neighbor

I thought the general rule of thumb was that the posts were on the "inside" meant the person owned the fence. That's generally how they are supposed to be installed, but not everyone does it that way and not everyone pays much attention to the actual property line when they install a fenc...
by Rupert
Wed May 25, 2016 1:32 pm
Forum: Investing - Theory, News & General
Topic: VCSAX in a retirement plan?
Replies: 5
Views: 438

Re: VCSAX in a retirement plan?

It's weird that you have EM small cap but not EM large cap, but... okay. I support your reluctance to add a sector fund, anyhow. It doesn't really seem to fit anyway. I agree with you on the EM small cap. Unfortunately, I'm just one vote on the committee. That EM small cap fund has done well compar...
by Rupert
Wed May 25, 2016 1:18 pm
Forum: Investing - Theory, News & General
Topic: VCSAX in a retirement plan?
Replies: 5
Views: 438

VCSAX in a retirement plan?

I'm on the Plan Committee of my small company's retirement plan. It has been proposed to us that we add the Vanguard Consumer Staples Index Admiral fund (VCSAX) to our fund lineup. I am generally opposed to adding a sector fund -- any sector fund, regardless of how well it has performed -- to our pl...
by Rupert
Wed May 25, 2016 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Trying to understand my 403(b) fees
Replies: 17
Views: 868

Re: Trying to understand my 403(b) fees

Know36, I'm asking because I don't know. How can you tell that they are annuities? If they are, isn't that made obvious in the prospectus one receives at the time of signing up for the plan? katnok, I see that you are a NJ doctor. I don't think hospital non-profits would have an annuity 403b. K-12 ...
by Rupert
Tue May 24, 2016 4:50 pm
Forum: Personal Consumer Issues
Topic: Car rental deals
Replies: 14
Views: 1024

Re: Car rental deals

+1 for Costco. You often get free upgrades (standard to full-size, etc.) and always get the second driver free when you use them.
by Rupert
Tue May 24, 2016 1:20 pm
Forum: Personal Consumer Issues
Topic: Bikes
Replies: 70
Views: 3158

Re: Bikes

Are you a member of Costco? Costco is selling Diamondback hybrids for around $250.
by Rupert
Tue May 24, 2016 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Another whole life question
Replies: 20
Views: 916

Re: Another whole life question

Cancel the whole life policy. The longer you wait to do it, the more money you lose. Are you planning on having children? If not, you may not need life insurance at all given your wife's salary and your future earning potential. Getting good disability insurance in place should be your top priority.
by Rupert
Tue May 24, 2016 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Advice for a soon-to-be MLB draftee
Replies: 35
Views: 3353

Re: Advice for a soon-to-be MLB draftee

5. Get comfortable saying NO to people (family and friends) that want to spend your money. +1. I've represented a number of former professional athletes in criminal matters. All of them blew through their signing bonuses buying houses and cars for family and friends. What the family and friends did...
by Rupert
Tue May 24, 2016 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Thinking of renting out part of my home - how much should I spend on renovations?
Replies: 18
Views: 730

Re: Thinking of renting out part of my home - how much should I spend on renovations?

What do your local zoning laws say about your plan? You'd better start there.
by Rupert
Mon May 23, 2016 1:32 pm
Forum: Personal Consumer Issues
Topic: Ineffective/Dangerous Sunscreens
Replies: 34
Views: 2425

Re: Ineffective/Dangerous Sunscreens

So not only do We have to worry about whether sunscreens actually provide the stated protection, but now we have to worry about trading one risk for another. What's the common sense Bogleheads non-medical but good-consumer answer here? I look at the EWG ratings and pick a sunscreen off that list th...
by Rupert
Mon May 23, 2016 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: term life insurance
Replies: 15
Views: 942

Re: term life insurance

Long story short, but I recently applied for term life insurance. I am 34 years old, married and planning to have children. Due to an illness I was born with, I am unable to obtain better ratings. I went through term4sale and was quoted the following through Prudential: 500K - 20 years 150.75/mon &...
by Rupert
Mon May 23, 2016 12:35 pm
Forum: Personal Consumer Issues
Topic: Ineffective/Dangerous Sunscreens
Replies: 34
Views: 2425

Re: Ineffective/Dangerous Sunscreens

but would like to know what the BAD sunscreens are NOW. I haven't seen the study but the news report that I read on the subject said that if you use a sunscreen that utilizes minerals or states that it is a natural sunblock, chances are they don't work. I think something like 75% of those failed. T...
by Rupert
Mon May 23, 2016 9:30 am
Forum: Personal Consumer Issues
Topic: Painting House Interior - How easy to do it yourself?
Replies: 74
Views: 3501

Re: Painting House Interior - How easy to do it yourself?

Do you have back or shoulder problems? If so, it's probably worth paying a pro to do it. If not, you can do it if you invest in the proper equipment and watch a couple of YouTube videos to learn a few tricks of the trade. Be careful with the tape; it must be removed at precisely the right moment to ...
by Rupert
Mon May 23, 2016 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Why am I paying 36% tax on W2 salary ???
Replies: 12
Views: 2355

Re: Why am I paying 36% tax on W2 salary ???

Why do you think married people always get a tax break? Google "marriage penalty" and report back what you find.
by Rupert
Fri May 20, 2016 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Should we claim a parent as a dependent and add her onto healthcare?
Replies: 4
Views: 532

Re: Should we claim a parent as a dependent and add her onto healthcare?

My elderly mother-in-law lives with us and gets a little bit of Social Security money and earns no income at all. I know that we can claim her on our taxes as a dependent, but should we try to get her onto my husband's healthcare plan as well? I am an independent contractor who is on his plan alrea...
by Rupert
Fri May 20, 2016 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Leaving real estate to kids
Replies: 20
Views: 1607

Re: Leaving real estate to kids

I hope bsteiner comments on this and some of you folks who are experienced in this field. What is the best way to leave a parcel or several parcels of land to kids and nieces and nephews? Presently we are looking at using our joint revocable trust for this after I am deceased. Before I croak there ...
by Rupert
Thu May 19, 2016 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about term life amount and duration
Replies: 5
Views: 319

Re: Questions about term life amount and duration

Why do you need a 30 year policy if you expect to be financially independent in 10-15 years? I would consider either a 20 year policy only, or maybe a 10 year policy for 1.5-2M and a smaller 20 year policy. Insurance only covers the loss of income/family contribution. Once you are both retired it i...
by Rupert
Thu May 19, 2016 8:43 am
Forum: Personal Consumer Issues
Topic: Car insurance - increased liability 500k
Replies: 16
Views: 1436

Re: Car insurance - increased liability 500k

With your assets, you are presently under-insured. Buy the extra policy and, as PPs suggested, also look into adding an umbrella policy on top of it.
by Rupert
Wed May 18, 2016 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Planning to purchase Term life policy, do I need to get in shape?
Replies: 16
Views: 1341

Re: Planning to purchase Term life policy, do I need to get in shape?

[...]On the day of the exam, don't drink excessive amounts of liquid in an effort to alter the results. They can detect that too. If your urine is too diluted, that raises a huge red flag. Please PM me offline if this is TMI for the forum, but how can they tell that? [I am not disputing that they c...
by Rupert
Wed May 18, 2016 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Planning to purchase Term life policy, do I need to get in shape?
Replies: 16
Views: 1341

Re: Planning to purchase Term life policy, do I need to get in shape?

Yes. They will send a nurse to conduct an exam. You will be asked to fill out a detailed questionnaire re medical history. Don't lie because they'll check with one of the insurance clearinghouses to see if you've omitted something you've been treated for. They also make you sign a HIPAA waiver so th...
by Rupert
Wed May 18, 2016 8:39 am
Forum: Personal Consumer Issues
Topic: Emergency Preparedness
Replies: 64
Views: 4115

Re: Emergency Preparedness

I think everything OP has listed is reasonable except for maybe the rice. If I ate that much rice I'd have to go to the emergency room for help with a different kind of, ahem, evacuation. What you need, of course, entirely depends on where you live. On the Gulf Coast where I live, the natural disast...
by Rupert
Tue May 17, 2016 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Proper Protocol to Handle Fender Bender
Replies: 26
Views: 1945

Re: Proper Protocol to Handle Fender Bender

UPDATE - I got an estimate from a local body shop regarding the damage....about $650 worth - I tried calling the phone number the other party provided me to discuss what they would like to do (fix damage in or out of insurance)...the line is disconnected - I contacted the other party's insurance pr...
by Rupert
Tue May 17, 2016 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Hail damage on roof; what to do with Insurance Providers' $9,950 check
Replies: 51
Views: 3736

Re: Hail damage on roof; what to do with Insurance Providers' $9,950 check

Good to know. Does that apply to auto as well. Many advocate letting police and insurance know of auto accident even if plan to handle outside of insurance. This would argue against that approach. Most (maybe all) states require you to report accidents that result in damage over a certain threshhol...
by Rupert
Tue May 17, 2016 11:58 am
Forum: Personal Finance (Not Investing)
Topic: options other than paying ex spouse from TSP
Replies: 7
Views: 685

Re: options other than paying ex spouse from TSP

I'd suggest you consult an attorney. You would likely be violating a valid retirement benefits court order. The TSP money will go into a tax-advantaged account for your to be ex-spouse. He or she is unlikely to accept taxable money in lieu of that unless you are offering considerably more money to ...
by Rupert
Tue May 17, 2016 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Is it common for a step mother to inherit everything?
Replies: 105
Views: 7660

Re: Is it common for a step mother to inherit everything?

Rather a disappointing result for you and your sister. If there was a will and it was probated, it should be on file and available for inspection at the appropriate government agency. And if there isn't a will, the intestate laws of your state determine what happens to the estate; this might give a...
by Rupert
Mon May 16, 2016 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Air Filters in a rental house
Replies: 8
Views: 557

Re: Air Filters in a rental house

I think probably this is something the landlord SHOULD do, because failing to change the air filter can destroy an HVAC unit over time, but your lease will control. What does your lease say about changing air filters? If it doesn't say anything, then, yeah, it's probably your landlord's responsibili...
by Rupert
Mon May 16, 2016 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Hiring kids to jumpstart their Roth IRAs
Replies: 13
Views: 1464

Re: Hiring kids to jumpstart their Roth IRAs

Oh for god's sake, not another one of these threads. (There are many who have come before you with this question; do a search). Just open a savings or investment account for them and stop trying to use a provision of the tax code in a way that it really wasn't meant to be used. Plus your kids will h...
by Rupert
Fri May 13, 2016 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Can someone explain to me how Term life is a better choice than WLI.
Replies: 69
Views: 5755

Re: Can someone explain to me how Term life is a better choice than WLI.

What do you consider high wage earners? May I suggest one of the following may qualify you: 1. You are likely to bump up against the lifetime estate exemption at time of death 2. You are in the top tax bracket (39.6%) But as several people have indicated above, you must have a need for a permanent ...
by Rupert
Fri May 13, 2016 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Can someone explain to me how Term life is a better choice than WLI.
Replies: 69
Views: 5755

Re: Can someone explain to me how Term life is a better choice than WLI.

N10sive wrote:Does term premiums increase per year as you get older?


Not if you buy level term. The premiums remain the same for the length of the designated term. This is in contrast to annual renewable term (ART) insurance, in which coverage is guaranteed for a period of years but premiums increase each year.
by Rupert
Thu May 12, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: Gifted math program for 1st grade
Replies: 66
Views: 6501

Re: Gifted math program for 1st grade

Just wondering... Can he answer this? It was on a standardized test in the UK for 6-7 year olds and generated quite a controversy. "There were some people on a train. 19 people get off the train at the first stop. 17 people get on the train. Now there are 63 people on the train. How many peopl...
by Rupert
Wed May 11, 2016 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Buy Lake Cabin and Rent It Out? Stupid?
Replies: 15
Views: 2359

Re: Buy Lake Cabin and Rent It Out? Stupid?

Not stupid, but maybe crazy. Have you seen the other popular thread today about a tenant from hell? https://www.bogleheads.org/forum/viewtopic.php?f=2&t=191022&newpost=2900911 Also, can you afford to make the mortgage payments if the house becomes un-rentable for a long period of time due to...
by Rupert
Wed May 11, 2016 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Possible to contribute to 403b from my checking account?
Replies: 6
Views: 380

Re: Possible to contribute to 403b from my checking account?

All contributions must come from payroll deductions.
by Rupert
Wed May 11, 2016 9:49 am
Forum: Personal Consumer Issues
Topic: Keep Twins in Same Class for Kindergarten?
Replies: 41
Views: 4161

Re: Keep Twins in Same Class for Kindergarten?

My twins' school makes this decision on a case-by-case basis, taking into account the preference of parents, teachers, and the twins themselves. I believe this is the more common approach these days and is the approach advocated for in the psychological literature. My partner and I chose to keep our...
by Rupert
Tue May 10, 2016 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance, as a couple should both person get it?
Replies: 11
Views: 740

Re: Life insurance, as a couple should both person get it?

It's common to insure even a stay-at-home parent because the working parent's expenses will go up after the stay-at-home parent's death. Someone must be paid to do the work of the stay-at-home parent, e.g., child care, house cleaning, etc. How much insurance to purchase on the life of the stay-at-ho...
by Rupert
Mon May 09, 2016 10:26 am
Forum: Personal Consumer Issues
Topic: Tips for Selling Bedroom Set
Replies: 27
Views: 2023

Re: Tips for Selling Bedroom Set

I'm new at donating household items to charity. How big of a tax donation receipt can you expect to get from an expensive bedroom set? And how do they come up with the number? "They" usually don't come up with the number. You do. The charity typically gives you a receipt that lists the it...
by Rupert
Mon May 09, 2016 8:51 am
Forum: Personal Consumer Issues
Topic: Is buying organic really that expensive?
Replies: 111
Views: 10202

Re: Is buying organic really that expensive?

We buy organic and natural/grass-fed foods as much as possible, but we're not super-strict about it, usually because a vegetable we want/need might not be available in the organic section that particular day (or it may look bad). Some of mentioned "the dirty dozen" and "the clean 15&...
by Rupert
Wed May 04, 2016 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Sue your employer over 401k
Replies: 26
Views: 3479

Re: Sue your employer over 401k

In my case, we do have low cost options (Vanguard), but this benefit is offset by the fact that we pay close to 1% in asset management fees + advisory fees. Recently, I met with a rep from the company that manages our plan, and she made it clear to me that my employer bears pretty much no cost beca...
by Rupert
Tue May 03, 2016 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Almost perfect credit score (FICO from Amex)
Replies: 30
Views: 3186

Re: Almost perfect credit score (FICO from Amex)

The best thing you can do to improve your credit score is borrow money and pay it back. So, yes, getting and paying off a mortgage, car note, or student loan would help your score. But if you aren't in the market for credit, who cares what your score is? And 790 is good enough to get you the best ra...
by Rupert
Mon May 02, 2016 1:15 pm
Forum: Personal Consumer Issues
Topic: Sunscreen
Replies: 51
Views: 3816

Re: Sunscreen

I suggest always putting sunscreen on your hands before driving. I started doing that in my 50's because of extreme sun sensitivity and now, in my mid-70's, have NO brown age spots on my hands. :happy Did you own a convertible where you found this necessary? I never drive with the windows or sunroo...
by Rupert
Mon May 02, 2016 12:44 pm
Forum: Personal Consumer Issues
Topic: Sunscreen
Replies: 51
Views: 3816

Re: Sunscreen

I suggest always putting sunscreen on your hands before driving. I started doing that in my 50's because of extreme sun sensitivity and now, in my mid-70's, have NO brown age spots on my hands. :happy Did you own a convertible where you found this necessary? I never drive with the windows or sunroo...
by Rupert
Fri Apr 29, 2016 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Problem with my father's LTC insurer
Replies: 8
Views: 642

Re: Problem with my father's LTC insurer

I only have the POA over my mother. And, by the time I got the POA over her, my father was well into dementia and was in the nursing home where he is now under hospice care. My mother and father have separate LTC policies. Which leads to more questions : Since my father only has a short time left t...
by Rupert
Fri Apr 29, 2016 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Problem with my father's LTC insurer
Replies: 8
Views: 642

Re: Problem with my father's LTC insurer

You need to get yourself appointed as your dad's legal guardian. The insurance company is correct not to send checks to you without a legal POA. They did right by your dad and your mother by notifying you of the situation. You may need to consult an elder law attorney to help you with this. In some ...
by Rupert
Fri Apr 29, 2016 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Do I need anything more than WillMaker?
Replies: 13
Views: 1226

Re: Do I need anything more than WillMaker?

If you own a share of a corporation and have minor children, your situation is not at all simple. I would not recommend DIY estate planning for you. You can easily afford an attorney. So don't be penny wise and pound foolish.
by Rupert
Fri Apr 29, 2016 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Situation
Replies: 9
Views: 843

Re: Term Life Insurance Situation

How long it takes will depend on how long it takes your doctors to respond to requests for medical records. I'd say, generally, the whole process takes 1 to 2 months from the time you submit the application to getting a policy in force. There's no waiting period where new diagnoses are excluded. How...
by Rupert
Thu Apr 28, 2016 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: 2 options of 401k/403b.
Replies: 14
Views: 666

Re: How to get max employer match 401k

Yes, you should contribute enough to get the full match. As for how to reach the $53,000 limit, you have to make more money. Once your salary hits $600,000 a year, employer 1's 5% contribution will almost get you there. :beer Isn't the employer match amount capped by the IRS $265,000 limit on what ...
by Rupert
Thu Apr 28, 2016 3:31 pm
Forum: Personal Consumer Issues
Topic: How do you stop robo-calls/unwanted calls?
Replies: 60
Views: 4801

Re: How do you stop robo-calls/unwanted calls?

I find they come in cycles. This year there are a lot of them because it's a presidential election year. Pollsters, campaigns, and interest group robo-callers call me non-stop. I just turn the ringer off and/or never answer a call from a number I don't recognize.
by Rupert
Thu Apr 28, 2016 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: 2 options of 401k/403b.
Replies: 14
Views: 666

Re: How to get max employer match 401k

Yes, you should contribute enough to get the full match. As for how to reach the $53,000 limit, you have to make more money. Once your salary hits $600,000 a year, employer 1's 5% contribution will almost get you there. :beer
by Rupert
Thu Apr 28, 2016 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Billing Practices
Replies: 26
Views: 1964

Re: Medical Billing Practices

here in Medicare central, most docs have a sign posted asking for the co-pay at time of service. obviously, with Medigap, for me that is not an issue. pre-Medicare, had a NY doc that insisted on full payment upfront and the insurance carrier sent me a check for the 80% covered portion. remember in ...
by Rupert
Thu Apr 28, 2016 12:55 pm
Forum: Personal Consumer Issues
Topic: Atlanta in August -- worth it?
Replies: 51
Views: 2850

Re: Atlanta in August -- worth it?

They have air conditioning you know... Well, yes. Staying inside air conditioning seems like it would limit the exploring a bit though. :D I suppose I should extend this question to ask what are some suggested things to do/see in Atlanta -- both must see outdoor activities and worthwhile indoor act...

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