Search found 1496 matches

by Rupert
Sun Dec 04, 2016 9:52 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Getting Stingy?
Replies: 58
Views: 5612

Re: Amazon Prime Getting Stingy?

As long as Amazon continues to use USPS for last mile delivery, we will not re-join Prime and we use Amazon sparingly. Just today, a package that our post office has absconded with was marked as "delivered" by them. Now I have to go chasing after it. Never had any problems when it was UPS...
by Rupert
Fri Dec 02, 2016 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: "High risk colonoscopy", cost shift. Any recourse?
Replies: 19
Views: 2582

Re: "High risk colonoscopy", cost shift. Any recourse?

If it makes you feel any better, women over 40 deal with a similar issue relating to mammograms every single year. Insurance pays the total cost of an annual screening mammogram, but if you have a lump in your breast, it's diagnostic and the patient foots the bill unless the annual deductible has be...
by Rupert
Thu Dec 01, 2016 3:35 pm
Forum: Personal Consumer Issues
Topic: Covered by two health insurance policies....
Replies: 11
Views: 559

Re: Covered by two health insurance policies....

Pretty sure your boss is going to find out because both insurance companies have to be notified that you have double coverage. Have you read the "coordination of benefits" section of your insurance contract?
by Rupert
Thu Dec 01, 2016 10:57 am
Forum: Personal Finance (Not Investing)
Topic: What level of wealth will get the attention of an estate attorney?
Replies: 29
Views: 4756

Re: What level of wealth will get the attention of an estate attorney?

When we went to an estate planning attorney (single lawyer, not a firm), one of the first questions she asked was our net worth. She said if it was above a certain number, she wouldn't do our plan and would instead recommend a different lawyer who specialized in higher net worth estates. She also r...
by Rupert
Wed Nov 30, 2016 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Help needed with Identity theft
Replies: 7
Views: 536

Re: Help needed with Identity theft

Forgot to add: Visit the Federal Trade Commission's identity theft website, identitytheft.gov . It will walk you through the steps you need to take.
by Rupert
Wed Nov 30, 2016 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Help needed with Identity theft
Replies: 7
Views: 536

Re: Help needed with Identity theft

Place fraud alerts on your credit files with Equifax, Transunion, and Experian immediately. You only have to notify one of them; the first one you notify will notify the other two for you. Then file any necessary police report(s). Then freeze your credit files. The freezes will be free if you have a...
by Rupert
Tue Nov 29, 2016 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Does your employer pay for continuing education?
Replies: 27
Views: 1286

Re: Does your employer pay for continuing education?

By "continuing education", do you mean "continuing professional education" -education to keep current in a given field, or actually paying for additional/further degrees? +1. My employer will only pay for continuing education that is necessary for me to retain my professional li...
by Rupert
Mon Nov 28, 2016 11:26 am
Forum: Personal Consumer Issues
Topic: Trailer on an Odyssey? [Is an Odyssey even the right choice?]
Replies: 34
Views: 1568

Re: Trailer on an Odyssey? [Is an Odyssey even the right choice?]

A big trailer is going to kill gas mileage, add more wear and tear, be more expensive (including the required car upgrades), and be more dangerous. And those will all be amplified on long trips will hilly terrain. Definitely check the brake specs as even a lot of SUVs have a max of 1,000 lbs unless...
by Rupert
Mon Nov 28, 2016 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Switching non-profit 401k plan provider to Vanguard?
Replies: 5
Views: 359

Re: Switching non-profit 401k plan provider to Vanguard?

Thanks Rupert. Do you recall how Vanguard worked with the payroll system you used? For example, are they able to have deductions automated via ADP? We actually didn't end up using Vanguard because we got a better proposal from a different third-party administrator. We didn't care for Ascensus. Our ...
by Rupert
Mon Nov 28, 2016 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Switching non-profit 401k plan provider to Vanguard?
Replies: 5
Views: 359

Re: Switching non-profit 401k plan provider to Vanguard?

My experience attempting to move a small nonprofit plan to Vanguard: Vanguard will likely agree to be the custodian of your plan but likely won't agree to administer it due to its size. They'll steer you to their preferred third-party administrator, which in the past has been Ascensus but I'm not su...
by Rupert
Sat Nov 26, 2016 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Diminished Value: report through own or other party's insurance?
Replies: 5
Views: 491

Re: Diminished Value: report through own or other party's insurance?

I agree with your preference to go through one's own insurance company. However, one's own insurance company will not include the DV in their claim against the other party's insurance. The question is, can one file through their own insurance company for the repairs and also separately file a DV cl...
by Rupert
Sat Nov 19, 2016 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Early retire considering Self-Insurance for healthcare
Replies: 83
Views: 5900

Re: Early retire considering Self-Insurance for healthcare

Here's the thing: You can't always tell. I take an expensive medication for arthritis. For the first couple of months I was taking it, I picked it up at my local retail pharmacy. After that, I was notified by my insurance company that I could only obtain it by mail order from a particular specialty...
by Rupert
Fri Nov 18, 2016 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Early retire considering Self-Insurance for healthcare
Replies: 83
Views: 5900

Re: Early retire considering Self-Insurance for healthcare

I totally agree with Klangfool. 2) would be the real gotcha for you. The negotiated rate I see for insurance is often 25% or less of the billed amount, and I see much greater discounts for standard tests and procedures like MRIs or outpatient procedures. The billed amount seems to have no rhyme or ...
by Rupert
Fri Nov 18, 2016 1:39 pm
Forum: Personal Consumer Issues
Topic: vinyl siding getting warped after painted in darker color
Replies: 18
Views: 1618

Re: vinyl siding getting warped after painted in darker color

What in general is the responsibility of a contractor for damages like this? Other examples that come to mind are things like installing a fence partly on the neighbor's property, violating a homeowners association rule (not a civic code or law), installing a driveway that only a 4WD vehicle can as...
by Rupert
Fri Nov 18, 2016 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Early retire considering Self-Insurance for healthcare
Replies: 83
Views: 5900

Re: Early retire considering Self-Insurance for healthcare

With the current implementation of the ACA you can buy insurance every 10 months during open enrollment. So.. should you get a disease or illness and are willing to suffer for a while you could save a ton. :) An accident is what would get you. In the words of Clint Eastwood.. "Do you feel luck...
by Rupert
Fri Nov 18, 2016 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Early retire considering Self-Insurance for healthcare
Replies: 83
Views: 5900

Re: Early retire considering Self-Insurance for healthcare

With the current implementation of the ACA you can buy insurance every 10 months during open enrollment. So.. should you get a disease or illness and are willing to suffer for a while you could save a ton. :) An accident is what would get you. In the words of Clint Eastwood.. "Do you feel luck...
by Rupert
Thu Nov 17, 2016 4:35 pm
Forum: Personal Consumer Issues
Topic: vinyl siding getting warped after painted in darker color
Replies: 18
Views: 1618

Re: vinyl siding getting warped after painted in darker color

Wow. I'm sorry that happened to you. Any professional painter should have known about the possible impact of painting vinyl siding. Just check out this Sherwin Williams webpage, for example: https://www.sherwin-williams.com/homeowners/color/find-and-explore-colors/paint-colors-by-collection/vinylsaf...
by Rupert
Thu Nov 17, 2016 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Early retire considering Self-Insurance for healthcare
Replies: 83
Views: 5900

Re: Early retire considering Self-Insurance for healthcare

With the current implementation of the ACA you can buy insurance every 10 months during open enrollment. So.. should you get a disease or illness and are willing to suffer for a while you could save a ton. :) An accident is what would get you. In the words of Clint Eastwood.. "Do you feel luck...
by Rupert
Thu Nov 17, 2016 9:54 am
Forum: Personal Consumer Issues
Topic: Vacation spots on Alabama's Gulf coast
Replies: 27
Views: 2183

Re: Vacation spots on Alabama's Gulf coast

Gulf Shores! Alabama is a wonderful state filled with patriotic people. Um, I'm not sure what that means. As I said, you won't run into very many Alabamians on the Gulf Coast this time of year. The Alabamians tend to rent their beach properties out to upper-midwesterners in the winter. Gulf Shores ...
by Rupert
Thu Nov 17, 2016 9:49 am
Forum: Personal Consumer Issues
Topic: Vacation spots on Alabama's Gulf coast
Replies: 27
Views: 2183

Re: Vacation spots on Alabama's Gulf coast

If you'd like something on the Gulf of Mexico, Orange Beach or Gulf Shores are your main options. In Gulf Shores, properties on Ft. Morgan Road tend to be a little quieter, not that you'd run into much noise as the Alabama coast is colonized by snowbirds from Wisconsin, Michigan and Minnesota, as op...
by Rupert
Wed Nov 16, 2016 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: [Spouses with no interest in investing]
Replies: 62
Views: 5817

Re: spouses that careless about investing

My wife gets so boooored when it comes time to talk money. I can prattle on for about 10 minutes, and that's about all I have before I lose her. We work around it pretty well, though. That's the key. Both partners have to be on board with the arrangement, whatever the arrangement happens to be. Doe...
by Rupert
Wed Nov 16, 2016 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Is life insurance and disability insurance a scam?
Replies: 16
Views: 1849

Re: Is life insurance and disability insurance a scam?

Disability insurance is absolutely worthwhile for everyone who can afford it. You are much more likely to become disabled than to die at an early age. And don't assume disability means a major accident, loss of limb, etc. It could be a rheumatoid arthritis diagnosis, a cancer diagnosis, a brain inju...
by Rupert
Wed Nov 16, 2016 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Yet another!! HDHP vs PPO qustion.
Replies: 25
Views: 1931

Re: Yet another!! HDHP vs PPO qustion.

The wife's chronic back issue -- mechanical or inflammatory/autoimmune? This could be important, as inflammatory/autoimmune diseases tend to worsen in women in their 40s and the drugs to treat them can be very very expensive. (Note, I'm not suggesting that you discuss your wife's health issue with u...
by Rupert
Tue Nov 15, 2016 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: IRA for adult children?
Replies: 50
Views: 3567

Re: IRA for adult children?

I think I'm about the third person to point out that you cannot open a traditional IRA for an adult child. You can gift them money to contribute to an IRA, but you cannot open the account for them and control it. What did the Vanguard rep have to say about that?
by Rupert
Tue Nov 15, 2016 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Early retire considering Self-Insurance for healthcare
Replies: 83
Views: 5900

Re: Early retire considering Self-Insurance for healthcare

Do you have any idea what healthcare costs in this country if you don't have the benefit of insurance-negotiated rates? Sad to say, but even people with $7 million in the bank are potentially one cancer diagnosis away from bankruptcy. Don't do it.
by Rupert
Tue Nov 15, 2016 11:09 am
Forum: Personal Consumer Issues
Topic: Someone has my Social Security number
Replies: 36
Views: 4173

Re: Someone has my Social Security number

Also, OP, identity theft is also a federal crime. You could trying filing reports with the U.S. Secret Service or F.B.I. Just call up your local offices, or the office of your local U.S. Attorney, and ask what to do. Your local police may also be more helpful if you first call up your local state pr...
by Rupert
Tue Nov 15, 2016 10:26 am
Forum: Personal Consumer Issues
Topic: Someone has my Social Security number
Replies: 36
Views: 4173

Re: Someone has my Social Security number

This has happened to me. You can file a police report in any jurisdiction in which the alleged crime occurred. That means you can bypass your local police and file the report, often on the telephone, in any one of the jurisdictions in which the attempted frauds occurred. I filed one in San Antonio, ...
by Rupert
Tue Nov 15, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: Accident in new car - questions
Replies: 14
Views: 1539

Re: Accident in new car - questions

I had an almost new (less than one year old) car that was almost totaled in an accident. I'm still driving that car today, over ten years later. You should go with one of your insurance company's preferred shops because then the insurance company, as opposed to the shop, insures the work for the li...
by Rupert
Mon Nov 14, 2016 5:01 pm
Forum: Personal Consumer Issues
Topic: Accident in new car - questions
Replies: 14
Views: 1539

Re: Accident in new car - questions

So after 25 years of incident free driving for both of us, my wife was in an accident involving a deer on the interstate. Thankfully she and my daughter and daughters friend were all fine. But outr new car suffered a major impact (it was a large buck with multipoint antlers jumping in front of them...
by Rupert
Mon Nov 14, 2016 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Voya Accident Insurance - Thoughts?
Replies: 3
Views: 395

Re: Voya Accident Insurance - Thoughts?

You need health insurance and disability insurance. You might need term life insurance if you have dependents. If you have those types of insurance, you don't need accidental death and dismemberment insurance. If it were offered free by my employer, I'd take it, but I'd never pay for it.
by Rupert
Thu Nov 10, 2016 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Researching non-ACA health insurance in NJ
Replies: 14
Views: 1012

Re: Researching non-ACA health insurance in NJ

Should he get sick, he can switch plans during the next enrollment period to one which may have the network/coverage he wants/needs at that time, I guess. I wouldn't count on that going forward. Pre-ACA, pre-existing condition exclusions were common. Given the uncertainty surrounding the ACA right ...
by Rupert
Thu Nov 10, 2016 2:36 pm
Forum: Personal Consumer Issues
Topic: Mattress Shopping Advice
Replies: 11
Views: 969

Re: Mattress Shopping Advice

I have been mulling over: Tuft & Needle - Great reviews and lowest price, different technology with not memory foam Casper - Good reviews, not the cheapest Brooklyn Bedding - Is Medium too firm? Is Soft too soft? They usually have a bundle with pillows and/or sheets Our current Tempurpedic memo...
by Rupert
Thu Nov 10, 2016 2:12 pm
Forum: Personal Consumer Issues
Topic: Mattress Shopping Advice
Replies: 11
Views: 969

Re: Mattress Shopping Advice

I bought a couple of mattresses from Brooklyn Bedding recently. Love them. I don't think I'll ever buy a mattress from a brick-and-mortar mattress store again.
by Rupert
Wed Nov 09, 2016 4:55 pm
Forum: Investing - Theory, News & General
Topic: Meta-question: When can tax changes take effect?
Replies: 15
Views: 1479

Re: Meta-question: When can tax changes take effect?

I don't recall the "recent history" of which livesoft speaks, but I assume he is right. However, I do recall something about no "ex-post facto" laws that I think might be in the Constitution. Perhaps you do as well. Major changes are usually set to start at some date in the futu...
by Rupert
Wed Nov 09, 2016 9:01 am
Forum: Investing - Help with Personal Investments
Topic: 401K Loan Repayment
Replies: 5
Views: 447

Re: 401K Loan Repayment

How do you figure you're earning money on a 401k loan? And who knows when the market will rebound. Paul Krugman has already predicted a massive global recession. It could be years before the market rebounds. Or it could be a few days. We are literally in uncharted territory. So just pay back your lo...
by Rupert
Wed Nov 09, 2016 7:49 am
Forum: Investing - Help with Personal Investments
Topic: Just remember...stay the course.
Replies: 45
Views: 5810

Re: Just remember...stay the course.

Yeah, the thing about that vote to repeal is that they knew it would be vetoed. This time it's for real. So they need to actually replace Obamacare with something. It's going to take some time to figure out what that replacement is going to be. So I don't think the change will be sudden. It is poss...
by Rupert
Wed Nov 09, 2016 7:36 am
Forum: Investing - Help with Personal Investments
Topic: Just remember...stay the course.
Replies: 45
Views: 5810

Re: Just remember...stay the course.

I'm fearful. I know this is precisely the time to be "greedy", but the fact is, I could face one hell of a problem if Obamacare is repealed. I feel so uneasy about staying the course rather than beef up my emergency fund to prepare for such a scenario. If Obamacare is repealed, it won't t...
by Rupert
Wed Nov 09, 2016 6:37 am
Forum: Investing - Help with Personal Investments
Topic: Just remember...stay the course.
Replies: 45
Views: 5810

Re: Just remember...stay the course.

I think you do have to be cautious re your personal finances if you might face a major cash call in the near future. I would encourage you NOT to overcorrect, however. Taking a few per cent into cash to meet future health care expenses may be a prudent thing to do, but a massive change in your asse...
by Rupert
Tue Nov 08, 2016 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: [Car totalled - Does location matter?]
Replies: 13
Views: 970

Re: [Car totalled - Does location matter?]

Remember that this is a negotiation and that $4300 was their first, lowball offer, which they hope you will accept and go away. Print out your own information from Kelley Blue Book or Autotrader or wherever (just some reliable source that will give you some support for your figure) and counteroffer....
by Rupert
Tue Nov 08, 2016 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Income/Life Insurance as an Investment
Replies: 9
Views: 586

Re: Income/Life Insurance as an Investment

Run for your life from that guy. Buy term life insurance (if you need any life insurance at all) and disability insurance instead. Plenty of threads here on term life and disability for your perusal/education.
by Rupert
Mon Nov 07, 2016 10:53 am
Forum: Personal Finance (Not Investing)
Topic: liquidate taxable acct to pay off mortgage?
Replies: 15
Views: 1207

Re: liquidate taxable acct to pay off mortgage?

I wouldn't pay off the mortgage. I'd refinance to a 10-year or 15-year mortgage to pay off the mortgage sooner and concentrate on increasing retirement and emergency savings, which a prior poster correctly noted are kinda low for someone your age.
by Rupert
Mon Nov 07, 2016 9:57 am
Forum: Personal Consumer Issues
Topic: How to talk with a housekeeper?
Replies: 49
Views: 5082

Re: How to talk with a housekeeper?

To the OP. We have been through four housekeepers. We find them universally good enough to excellent for the first few cleanings. Somewhere between six and twelve months later, their quality begins to drop off. Sometimes feedback has worked, at least for a while, until another decline begins. Somet...
by Rupert
Sat Nov 05, 2016 8:32 am
Forum: Personal Consumer Issues
Topic: How to run a background check on people
Replies: 34
Views: 3769

Re: How to run a background check on people

Maybe I should have specified that I'm not looking to do an in depth background check but just wanted to search public records (like arrest records) and other info that is online. I'm a criminal defense lawyer and can tell you that the public records available at no cost online are incomplete at be...
by Rupert
Fri Nov 04, 2016 1:10 pm
Forum: Investing - Theory, News & General
Topic: NY Times first in a series about 403(b)s with public K-12
Replies: 96
Views: 8629

Re: NY Times first in a series about 403(b)s with public K-12

Here's a link to the final article in the series. Bogleheads again gets a plug.

http://www.nytimes.com/2016/11/05/your- ... f=business
by Rupert
Fri Nov 04, 2016 11:26 am
Forum: Investing - Help with Personal Investments
Topic: confused about employer contribution...
Replies: 9
Views: 988

Re: confused about employer contribution...

You can contribute up to $18,000/year (plus an additional $6000 if you're over age 50). Your employer's contribution does not impact that at all. Your employer will contribute up to 5% of your salary (5% after five years of service) and then match up to an additional 5%, depending on your contributi...
by Rupert
Wed Nov 02, 2016 12:50 pm
Forum: Investing - Theory, News & General
Topic: NY Times first in a series about 403(b)s with public K-12
Replies: 96
Views: 8629

[Boglehead Kristen Gartman Rogers in NY Times on 403(b) plans]

[Thread merged into here, see below. --admin LadyGeek]

Here's the latest article in the New York Times' series on 403b plans. The Bogleheads forum is mentioned in the article.

http://www.nytimes.com/2016/11/03/your- ... d=tw-share
by Rupert
Mon Oct 31, 2016 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Campaigning for a better 403b plan help
Replies: 9
Views: 742

Re: Campaigning for a better 403b plan help

The problem with school-district plans is that they usually aren't ERISA plans. So the impetus that drives other plan sponsors to do the right thing (potential personal liability for plan decisionmakers) isn't there. So decisionmakers for school district plans are almost always going to do the easy ...
by Rupert
Mon Oct 31, 2016 12:44 pm
Forum: Personal Consumer Issues
Topic: Reasonable Accommodation (Health Related)
Replies: 20
Views: 1968

Re: Reasonable Accommodation (Health Related)

I would probably talk to EEOC about it before hiring an attorney. You can talk to them without filing a formal claim, and they will usually give you a pretty realistic assessment of whether the case is worth pursuing. Note that the employer can choose to accommodate her in ways other than permitting...
by Rupert
Mon Oct 31, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Another Repair or Replace Car Thread
Replies: 27
Views: 1694

Re: Another Repair or Replace Car Thread

You have gotten your money's worth out of that car. Let it go. You've now reached the point where it could leave you stranded on the side of the road most any day, which in the hot desert Southwest doesn't sound like something you want to happen.
by Rupert
Mon Oct 31, 2016 9:10 am
Forum: Personal Consumer Issues
Topic: Rationale for doctors' offices not booking >6 months ahead?
Replies: 26
Views: 2670

Re: Rationale for doctors' offices not booking >6 months ahead?

Because doctors have lives outside of work just like you do and don't know what they're going to be doing 6 months to a year from now? I have found that even when doctors are willing to schedule that far out those appointments often get cancelled or re-scheduled by the doctor prior to the appointment.

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