Search found 2241 matches

by Rupert
Tue Aug 22, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Rental car booted for prior unpaid parking tickets
Replies: 27
Views: 2229

Re: Rental car booted for prior unpaid parking tickets

I think this is standard practice in the industry. It's happened to me twice, with two different rental companies, Enterprise and Hertz. So I don't think swearing to not use that company again will help. If a tire goes flat during your rental period, it's your problem. It's one of the many many rea...
by Rupert
Tue Aug 22, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental Injury: Health Insurance definition
Replies: 24
Views: 911

Re: Accidental Injury: Health Insurance definition

I often hear people say someone "fell and broke their hip". I've been told that in some of those cases, the bone actually breaks and causes the fall. Are those accidents? Good hypo. And under my insurance company's definition of "accidental injury," the injury wouldn't qualify because it wasn't cau...
by Rupert
Tue Aug 22, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental Injury: Health Insurance definition
Replies: 24
Views: 911

Re: Accidental Injury: Health Insurance definition

My insurance contract defines "accidental injury" as "a traumatic injury to you caused solely by an accident." Thank you. Pretty circular reasoning, isn't it? An accidental injury is an injury caused by an accident. Yes, and as a lawyer, I could pretty easily poke holes in both of the definitions p...
by Rupert
Tue Aug 22, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: Rental car booted for prior unpaid parking tickets
Replies: 27
Views: 2229

Re: Rental car booted for prior unpaid parking tickets

Not having use of the car should be considered similar to a car break down, in my opinion. The rental company is responsible for taking care of things like that. Not in my experience. I got out of my motel room to find my rental car had a flat. The company would not: Send someone to put on the spar...
by Rupert
Tue Aug 22, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Who Do You Trust for Disability/Life Insurance
Replies: 4
Views: 300

Re: Who Do You Trust for Disability/Life Insurance

There is no benefit to bundling life and disability policies, other than you might avoid two medical exams. Do follow the previous posters' advice re buying term life as opposed to whole or universal life. There are about a million prior threads on Bogleheads re both life and disability insurance. I...
by Rupert
Tue Aug 22, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Accidental Injury: Health Insurance definition
Replies: 24
Views: 911

Re: Accidental Injury: Health Insurance definition

My insurance contract defines "accidental injury" as "a traumatic injury to you caused solely by an accident."
by Rupert
Tue Aug 22, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 77
Views: 3361

Re: Safe car for wife and baby

I should note that neither my wife or I really WANT a new car - we're both very happy with her driving the Civic. Literally the ONLY reason we're even thinking about this is safety. And she's not even concerned, it's all me and my constant worrying. She says she feels safe in and loves driving the ...
by Rupert
Tue Aug 22, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 77
Views: 3361

Re: Safe car for wife and baby

I should note that neither my wife or I really WANT a new car - we're both very happy with her driving the Civic. Literally the ONLY reason we're even thinking about this is safety. And she's not even concerned, it's all me and my constant worrying. She says she feels safe in and loves driving the ...
by Rupert
Mon Aug 21, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: "Structured" Flip Flops, Slides
Replies: 26
Views: 2042

Re: "Structured" Flip Flops, Slides

Try Oofas. https://www.amazon.com/OOFOS-Unisex-Original-Thong-Womens/dp/B00IA4XCU8/ref=sr_1_1?ie=UTF8&qid=1503324922&sr=8-1&keywords=oofos Those look comfortable. It's interesting though. They claim not to be flip flops. Why are OOFOS not “flip flops?” Traditional flip-flops may offer some comfort,...
by Rupert
Mon Aug 21, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Finding Life Insurance for "High-Risk" Mother
Replies: 17
Views: 1374

Re: Finding Life Insurance for "High-Risk" Mother

Does your mother want to buy this insurance policy, or are you interested in buying a policy on your mother? This is important because you are going to have a very hard time buying insurance on her if she won't cooperate during the underwriting process.
by Rupert
Mon Aug 21, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: sheets for older, thinner mattresses?
Replies: 13
Views: 819

Re: sheets for older, thinner mattresses?

Look for sheets made for kids' beds. Bunk-bed and trundle mattresses are thinner than normal mattresses.
by Rupert
Mon Aug 21, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Advantages of Having No Credit Score
Replies: 42
Views: 2581

Re: Advantages of Having No Credit Score

Thanks for the replies everyone. I have been offered 3.7% on a 15 year mortgage (40% down 60% lent). I'm borrowing <60K. I plan to try and pay it off in a year, so the rate isn't critical. For the identity theft point, my intention was that it should be really hard for someone to get a loan under m...
by Rupert
Mon Aug 21, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Dental Insurance/Costs
Replies: 25
Views: 1706

Re: Dental Insurance/Costs

Generally speaking, dental insurance is only a good deal if someone else (your employer) is paying for it.
by Rupert
Fri Aug 18, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 6675

Re: DUI lawyer - need advice

Absolutely get a lawyer. Even if this, a first offense, is regarded as relatively minor, the next one won't be. Depending on your state, the second or third DUI will be a felony. (Before anyone even says it, every drunk driver always says "There will never be a second or third one." My experience as...
by Rupert
Fri Aug 18, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Debt collector called, should we call them back?
Replies: 15
Views: 1945

Re: Debt collector called, should we call them back?

I have called one back before because they kept calling me a hundred times a day. Turns out they were looking for someone else, someone with my same last name and first initial. I simply gave them my real first name, e.g., I'm Bob Smith, not Barbara Smith, and they stopped calling me.
by Rupert
Fri Aug 18, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Letter asking for estate information
Replies: 11
Views: 838

Re: Letter asking for estate information

ji.isaacs wrote:
Fri Aug 18, 2017 10:28 am
Social Security knew right away, they already had the information when I called them. They must have received it from the county.
Just fyi: Funeral homes notify Social Security. See https://www.ssa.gov/phila/PDF/funeralhomes.pdf
by Rupert
Fri Aug 18, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Anyone have a personal chef?
Replies: 48
Views: 4192

Re: Anyone have a personal chef?

Hello Fresh is a competitor of Blue Apron's. I prefer them. They offer vegetarian options. With most of these sorts of services, you can turn the service off and on. So if you don't like the options one week, just skip it. In my town, there's an alternative service called Dream Dinners, which I beli...
by Rupert
Fri Aug 18, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Should we pay off the house before the baby arrives?
Replies: 11
Views: 891

Re: Should we pay off the house before the baby arrives?

Why not just use the 170k to pay the nanny and leave the mortgage alone?
by Rupert
Thu Aug 17, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 2568

Re: popcorn ceiling, removal or drywall over it?

renue74 wrote:
Thu Aug 17, 2017 3:41 pm
Asbestos materials were banned in 1977. If this ceiling was done after that, you're safe.

If you do test it and it has asbestos, you could be looking at thousands of dollars to properly remove it through an abatement company.
OP said upstream that the house was built in 1968.
by Rupert
Thu Aug 17, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: question regarding life insurance purchase: online vs. real-life agent
Replies: 8
Views: 467

Re: question regarding life insurance purchase: online vs. real-life agent

Are you sure you have to pay the agent annually? Usually you just give the agent the first year's check, and you pay the insurance company directly in future years.
by Rupert
Thu Aug 17, 2017 9:08 am
Forum: Personal Finance (Not Investing)
Topic: quick estate question
Replies: 56
Views: 2622

Re: quick estate question

Don't trust an attorney who tells you to backdate anything. What exactly is a "telephone attorney" anyway?
by Rupert
Tue Aug 15, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 123
Views: 6525

Re: Is $9000 too much for a sectional sofa ?

I don't think much of sectionals. Why buy a giant cumbersome piece of furniture that will dominate a room instead of several pieces. Designers often recommend sectionals for smaller spaces because, if well-designed, a sectional can make a smaller room look less cluttered than a bunch of smaller pie...
by Rupert
Tue Aug 15, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 123
Views: 6525

Re: Is $9000 too much for a sectional sofa ?

Can you not find a non-custom sectional that meets your needs? Sectionals are expensive, in general, but you may find one at Pottery Barn, West Elm, etc., for half that price that is still good quality. Because of the kids and Kool-Aid, etc., I recommend a slipcovered one.
by Rupert
Tue Aug 15, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: What kind of hotel do you get on business travel?
Replies: 45
Views: 3162

Re: What kind of hotel do you get on business travel?

I have to stay in a hotel that offers a government rate, unless I'm traveling to a conference, where there's usually a conference rate. Hotels, even large ones, typically only offer a few rooms a night at the government rate. So it ends up being kind of random where I'll end up. I have stayed in a R...
by Rupert
Tue Aug 15, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 4519

Re: Best Housing To Avoid Noise

In the 7 years I lived in apartments, I can't recall a month where I wasn't annoyed with the noise from neighbors. Apartments are much worse than houses for noise, generally speaking. At least in most parts of the country (I recognize that this statement probably does not apply to large cities), re...
by Rupert
Tue Aug 15, 2017 6:49 am
Forum: Personal Consumer Issues
Topic: Car Rental on Current Car Insurance Policy?
Replies: 16
Views: 1178

Re: Car Rental on Current Car Insurance Policy?

I pay for the coverage. It only costs $20-30/year, and I've used it twice. My family has two cars, but we also have kids. Not having one of our cars more than a couple of days would not work for us as we all travel in different directions each morning.
by Rupert
Mon Aug 14, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: Car accident - dealership body shop or independent?
Replies: 17
Views: 825

Re: Car accident - dealership body shop or independent?

I always go with one of my insurance company's "preferred" shops. When I do so, my insurance company insures the quality of the work for the life of the car. This is particularly important if you're in an accident out of town, where you wouldn't easily be able to return to the same shop if problems ...
by Rupert
Mon Aug 14, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 76
Views: 5287

Re: How useful is a home security system?

A home security system is completely useless if it isn't turned on or properly designed. A double glass door (or at least the room containing a double glass door) should be equipped with glass shatter/breakage sensors, not just the sensors that alert when the door is opened. Have any contractors/ser...
by Rupert
Mon Aug 14, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: ipad or tablet for hospital?
Replies: 31
Views: 2060

Re: ipad or tablet for hospital?

I'd go with a relatively inexpensive tablet, such as a Kindle Fire, paired with a 30-day free trial of Amazon Prime. Then the person would have access to tons of books, magazines, and music and video streaming, plus the usual Facebooking and general internet surfing. They can drop the Prime subscrip...
by Rupert
Mon Aug 14, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: Alternatives/choices with ambulance or rescue squad
Replies: 25
Views: 1102

Re: Alternatives/choices with ambulance or rescue squad

I don't have any personal experience with this, but every time I visit the pulmonologist, there is an ambulance outside that has transported a patient to the doctor's office for an office visit. Usually, that patient, who is always a child, is still on the ambulance's bed in the waiting room when I ...
by Rupert
Sat Aug 12, 2017 6:46 pm
Forum: Personal Consumer Issues
Topic: Experience with Modular/Manufactured Homes
Replies: 14
Views: 1479

Re: Experience with Modular/Manufactured Homes

Yes, modular and manufactured are very different, with modular being better quality generally speaking. Manufactured means "trailer" with all the baggage that comes with that term. Modular is actually only one type of prefabricated home; a panelized home is another option. The structural components ...
by Rupert
Sat Aug 12, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: New car vs used car
Replies: 9
Views: 754

Re: New car vs used car

I've been looking at this issue as well, as I'm in the market for a new Toyota or Honda. The prices for gently used cars (approx. two years old; 30,000 miles or less on the odometer) are really not much lower than the price for new ones, particularly when you take into account the end-of-model-year ...
by Rupert
Sat Aug 12, 2017 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Can a salaried employee be docked pay...
Replies: 33
Views: 3269

Re: Can a salaried employee be docked pay...

The employer's personnel policy manual will govern this. There's nothing illegal about it. At my employer, if you miss work and don't have accrued leave (either sick or annual), you are docked pay. And we are all salaried employees. Some employers have policies that permit employees to "borrow" futu...
by Rupert
Fri Aug 11, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry Repair Priorities
Replies: 71
Views: 3974

Re: Toyota Camry Repair Priorities

3) P/S Rack Leaks/Boots Torn - LEANING TOWARDS DOING IT, $551 Is that for a whole rack replacement? If not, you may as well wait until your rack is shot before replacing the whole rack. +1. I had to have a rack replaced on a 12-year-old Acura this year. Cost was about $800. If you're going to spend...
by Rupert
Fri Aug 11, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry Repair Priorities
Replies: 71
Views: 3974

Re: Toyota Camry Repair Priorities

3) P/S Rack Leaks/Boots Torn - LEANING TOWARDS DOING IT, $551 Is that for a whole rack replacement? If not, you may as well wait until your rack is shot before replacing the whole rack. +1. I had to have a rack replaced on a 12-year-old Acura this year. Cost was about $800. If you're going to spend...
by Rupert
Fri Aug 11, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Warm Place for Thanksgiving family reunion
Replies: 27
Views: 1958

Re: Warm Place for Thanksgiving family reunion

I think you'll want to stick to northern Florida, rather than southern Florida, if you're concerned about Zika. As far as I know, we haven't had any cases on the northern Gulf Coast outside of Texas (cases originating here, as opposed to picked up when traveling, I mean). A few suggestions: Sandesti...
by Rupert
Fri Aug 11, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house as a student
Replies: 27
Views: 1334

Re: Buying a house as a student

OP, it is noteworthy that this is the first time I can recall Bogleheads unanimously agreeing on anything.
by Rupert
Fri Aug 11, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Homeowner's Insurance Coverage
Replies: 14
Views: 1435

Re: Homeowner's Insurance Coverage

HO policy provide for replacement based on "like kind and quality". Depending on the age of your home, there could be significant additional costs due to changes in building codes since it was constructed. The older the home, the greater the impact. For example, using 2x6 instead of 2x4, thicker in...
by Rupert
Thu Aug 10, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house as a student
Replies: 27
Views: 1334

Re: Buying a house as a student

Very dumb idea. If you have to ask a parent to co-sign a mortgage with you, you can't afford the house. It's really as simple as that. But in addition, why would you want a ball and chain around your ankle, which is what home ownership is, when you're studying to begin a new profession? Your flexibi...
by Rupert
Thu Aug 10, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Basic decisions about will/estate planning for young kids
Replies: 5
Views: 476

Re: Basic decisions about will/estate planning for young kids

You have more control over when the assets are distributed to the children with a testamentary trust. You could, for example, specify that they receive X amount at majority, X amount at age 25, X amount at age 30, etc. Custodial accounts turn the money over to the children when they reach the statut...
by Rupert
Thu Aug 10, 2017 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Justifying an Expensive Car Purchase
Replies: 120
Views: 5662

Re: Struggling with Justifying an Expensive Car Purchase

Have you considered how you will react the first time you notice muddy footprints from your kid's soccer cleats on the nice leather of your 70k car? It won't completely wash off (ask me how I know).
by Rupert
Thu Aug 10, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: What should I consider doing with car insurance?
Replies: 5
Views: 463

Re: What should I consider doing with car insurance?

Shop the policy around. Some company is probably cheaper than Allstate. I would not cancel comp and collision while I still owed almost $30k on the car. Would it matter if you didn't owe money on a $30k car? Whether I had a loan or not, I wouldn't cancel comp and collision coverage for a car that i...
by Rupert
Thu Aug 10, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: Toyota Camry Repair Priorities
Replies: 71
Views: 3974

Re: Toyota Camry Repair Priorities

I would donate a good chunk of change to the forum if there was a Wiki on car maintenance the Boglehead way, not that that would be easy to do. I think car maintenance the Boglehead way is simply following the maintenance schedule in your owner's manual. That's the best way to prolong the longevity...
by Rupert
Thu Aug 10, 2017 7:01 am
Forum: Investing - Help with Personal Investments
Topic: Long Healthcare CPI
Replies: 7
Views: 595

Re: Long Healthcare CPI

IOW, how can I be long healthcare? Alternately, am I asking the wrong question? Yes, I think you are asking the wrong question because: Invest in a health care index fund. I'm not sure the gains here would make up for the increase in costs.. I also doubt that the cost of your health insurance will ...
by Rupert
Wed Aug 09, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: What should I consider doing with car insurance?
Replies: 5
Views: 463

Re: What should I consider doing with car insurance?

Shop the policy around. Some company is probably cheaper than Allstate. I would not cancel comp and collision while I still owed almost $30k on the car.
by Rupert
Wed Aug 09, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell a home to a friend's daughter?
Replies: 31
Views: 2967

Re: Should we sell a home to a friend's daughter?

I think you're overthinking this a bit. The neighbors know it wasn't your mother's house, right? After getting the house appraised (I recommend an actual appraisal, but estimates from a few realtors would likely get her in the ballpark too), she should just tell the neighbors that she has no idea if...
by Rupert
Wed Aug 09, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Twins on the way = Life insurance questions
Replies: 22
Views: 955

Re: Twins on the way = Life insurance questions

If you want to keep the Civic a little longer, here's how you do it. Buy extra pack-n-plays for grandma's house (or anywhere you else you regularly visit overnight) so you don't have to haul yours around in the trunk when you're traveling. Don't buy one of those enormous double strollers that matche...
by Rupert
Wed Aug 09, 2017 6:53 am
Forum: Personal Consumer Issues
Topic: 2017’s Best & Worst States for Health Care
Replies: 15
Views: 2073

Re: 2017’s Best & Worst States for Health Care

I am also surprised that some of the popular southern retirement destinations (FL, SC, TN, NC) are ranked closer to the bottom of the list. Because I live in the region, I don't find this surprising at all. Those states are chock full of rural poor people who have little access to healthcare. Don't...
by Rupert
Tue Aug 08, 2017 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Twins on the way = Life insurance questions
Replies: 22
Views: 955

Re: Twins on the way = Life insurance questions

I agree that we don't really have enough information to advise you re amount of insurance to purchase. Don't forget to consider social security survivor benefits when making that decision. I tend to like the laddered approach as well: a larger 20-year term policy and a smaller 30-year term policy. F...