Search found 1291 matches

by Rupert
Fri Jul 29, 2016 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Mechanical Breakdown Insurance - Yay or Nay?
Replies: 6
Views: 286

Re: Mechanical Breakdown Insurance - Yay or Nay?

prudent wrote:Here's a post by a car dealer explaining what he sees as problems with Geico's MBI. http://www.fi-magazine.com/forum/topic. ... IC_ID=2230


Wow, a car dealer criticizing the sales tactics of an insurance company. If that ain't the pot calling the kettle black, I don't know what is.
by Rupert
Thu Jul 28, 2016 10:25 am
Forum: Personal Consumer Issues
Topic: 50 gal gas water heater replacement
Replies: 15
Views: 1537

Re: 50 gal gas water heater replacement

I just had a new electric 50-gallon Rheem water heater installed this week. The cost was $650 installed. Rheem is an excellent brand. My plumber considers it the best brand at the moment, as do many of the internet sites that review water heaters. Plumbers sell Rheems, but they can also be bought re...
by Rupert
Wed Jul 27, 2016 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Excess Liability - Uninsured/Underinsured Motorist
Replies: 23
Views: 3836

Re: Re:

UM and UIM also pay for non-economic damages such as pain and suffering, unlike health insurance. I realize that I'm resurrecting an dormant discussion but happened to run across it while doing a Google search on the general subject. My related question is...would it be a mistake to reduce UM and U...
by Rupert
Wed Jul 27, 2016 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance question
Replies: 13
Views: 575

Re: Health insurance question

Just fyi: There are only a few circumstances where it makes sense for married people to file separately. You'll usually pay more taxes filing separately. This link to Turbotax summarizes it pretty well: https://ttlc.intuit.com/questions/1894449-is-it-better-for-a-married-couple-to-file-jointly-or-se...
by Rupert
Wed Jul 27, 2016 10:21 am
Forum: Personal Consumer Issues
Topic: Security system ADT Cost
Replies: 24
Views: 1965

Re: Security system ADT Cost

I really wish we had done SimpliSafe or SmartThings, but my wife was in a hurry and could get ADT the day after she called, so that's what we got. $600 for a "free" installation, plus $54/mo for a minimum of 3 years. Plus they don't cover battery replacements ($79, seems to be required ev...
by Rupert
Sat Jul 23, 2016 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Check Fraud
Replies: 26
Views: 2855

Re: Check Fraud

.....Has anyone else experienced this type of fraud and do you have any suggestions of what else I can do about it. Thanks .... This happened to our family last year. I believe a check was taken out of a locked USPS receptacle at a local mall and then altered to change the recipient's name and chec...
by Rupert
Fri Jul 22, 2016 9:13 am
Forum: Personal Consumer Issues
Topic: What really happens to people who run out of their money in retirement
Replies: 60
Views: 7972

Re: What really happens to people who run out of their money in retirement

It's in a rural part of the US, near a college, so not sure if that makes a difference. I believe it does make a difference. If I have to go to a nursing home, I want it to be a rural nursing home. They're better, I think, for two reasons: First, nursing home jobs are still considered good jobs in ...
by Rupert
Fri Jul 22, 2016 9:01 am
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 185
Views: 14404

Re: How many folks choose to give inheritance to their children in unequal portions?

If he wants to help the struggling children, he should do so while he is still alive by helping them pay bills now. When he dies, emotions will likely be raw, and an uneven split of assets at that time is likely to result in a lifetime of resentment between siblings.
by Rupert
Thu Jul 21, 2016 4:31 pm
Forum: Personal Consumer Issues
Topic: medical alert bracelet or something
Replies: 8
Views: 529

Re: medical alert bracelet or something

There was a thread on this topic a few months ago, which you can search for. A lot of medical professionals weighed in on that thread re the usefulness of the bracelets, and, if I recall correctly, the consensus was that keeping a medical information card in your wallet with your identification is m...
by Rupert
Thu Jul 21, 2016 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house with a partner with separate assets
Replies: 13
Views: 1276

Re: Buying a house with a partner with separate assets

My partner and I currently live in a property I own by myself and we've been debating moving and then owning the next place together. Our finances are about as separate as they can be while living together as we are not married. I don't want a discussion of marriage vs non-marriage - I just have qu...
by Rupert
Thu Jul 21, 2016 9:08 am
Forum: Investing - Theory, News & General
Topic: Discussing investing with spouse
Replies: 39
Views: 2370

Re: Discussing investing with spouse

Some people just want to be told what to do and don't care to learn about investments. They're just not interested, and you can't make them change. So simplify your accounts as best you can now and leave your wife a letter containing detailed, step-by-step instructions on what to do after your death...
by Rupert
Thu Jul 21, 2016 8:41 am
Forum: Personal Finance (Not Investing)
Topic: "Security freeze" to prevent credit fraud
Replies: 16
Views: 1069

Re: "Security freeze" to prevent credit fraud

Are you sure you just want to prevent credit card fraud as you state? That can be done by contacting each credit card company. A security freeze prevents disclosure of your info and others from opening an account in your name does indeed involve contacting each of the three. http://www.consumerrepo...
by Rupert
Wed Jul 20, 2016 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: I froze my credit, here's what happened next...
Replies: 20
Views: 3512

Re: I froze my credit, here's what happened next...

A credit freeze wont really protect you against the most common type of credit card fraud. How many people really get new cards opened in their name? I'm going to guess its very few relative to the number that have had fraudulent charges on already open cards. It happens more than you think. I have...
by Rupert
Wed Jul 20, 2016 11:22 am
Forum: Personal Consumer Issues
Topic: Best kids beach resorts in USA?
Replies: 5
Views: 613

Re: Best kids beach resorts in USA?

Depends what you're looking for, to some extent. We've really liked Ocean City, NJ. Nice long boardwalk, with lots of appealing attractions. Nice beach, quaint town, nice condo rentals available (but pricey). Some hotels too, but we've gone for condos. Did Myrtle Beach a few years back - memories h...
by Rupert
Wed Jul 20, 2016 10:26 am
Forum: Personal Consumer Issues
Topic: Why did the car salesman stop replying to my emails
Replies: 78
Views: 7474

Re: Why did the car salesman stop replying to my emails

As consumers, this is the shopping experience we've created for ourselves and let's be honest, we deserve it. If you want a better experience, vote with your dollars by going to Carmax and paying a bit more. Totally disagree about this. Car dealers have very, very strong lobbying efforts that have ...
by Rupert
Wed Jul 20, 2016 10:07 am
Forum: Personal Consumer Issues
Topic: Why did the car salesman stop replying to my emails
Replies: 78
Views: 7474

Re: Why did the car salesman stop replying to my emails

As consumers, this is the shopping experience we've created for ourselves and let's be honest, we deserve it. If you want a better experience, vote with your dollars by going to Carmax and paying a bit more. Totally disagree about this. Car dealers have very, very strong lobbying efforts that have ...
by Rupert
Tue Jul 19, 2016 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: "Security freeze" to prevent credit fraud
Replies: 16
Views: 1069

Re: "Security freeze" to prevent credit fraud

I did it under the recommendation of a classmate. If I recall I contacted one and they spread the word around. Some day I gotta remember how to unfreeze it as I'll be renting in retirement. It sounds like you reported a fraud alert. If so, you only have to alert one agency and they notify the other...
by Rupert
Tue Jul 19, 2016 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: "Security freeze" to prevent credit fraud
Replies: 16
Views: 1069

Re: "Security freeze" to prevent credit fraud

I read that it is safer to do this in order to prevent credit fraud. I looked at the procedure, and the security freeze has to be applied for individually to each of the three agencies!! And the procedure seems very elaborate. Is there a simple, fast way to do this across the board for all three? N...
by Rupert
Tue Jul 19, 2016 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Joint Term Life Insurance
Replies: 12
Views: 753

Re: Joint Term Life Insurance

Just get two term policies. Be aware that it might not be the best time for your wife to apply if she JUST had a baby. This link explains it pretty well: http://www.mcmha.org/pregnancy-affect-l ... nce-rates/
by Rupert
Tue Jul 19, 2016 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Retirement for Women(?)
Replies: 34
Views: 3210

Re: Retirement for Women(?)

Yesterday, The Today Show had a piece on retirement for women....Jean Schatzky (personal finance advisor on the show), stated the following: "Over the past three decades the average lifespan of women has increased from 77 to 83. There's no escaping the numbers when it comes to dealing with thi...
by Rupert
Mon Jul 18, 2016 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Term Life
Replies: 14
Views: 1017

Re: State Farm Term Life

There is no benefit whatsoever for bundling your auto and renter's insurance with your life insurance -- except to State Farm.
by Rupert
Mon Jul 18, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: Who do you not tip, and why?
Replies: 57
Views: 4586

Re: Who do you not tip, and why?

My favorite - bank tellers. We don't tip them even though we use their services, sometimes weekly. And they get paid less than restaurant waitresses. Servers in many states get paid $2.13 an hour. Most of their pay is in tips. I'm pretty sure bank tellers make more than $2.13. If people don't like ...
by Rupert
Mon Jul 18, 2016 12:41 pm
Forum: Personal Consumer Issues
Topic: Possible Water Spot on Ceiling
Replies: 16
Views: 1133

Re: Possible Water Spot on Ceiling

If you do call a plumber it's worth considering if you have any other minor plumbing jobs you've been putting off. You'll pay the callout fee anyway, so it may only be parts and a few minutes of time to do things like replace the 20 year old hoses on the washing machine, or the washer in the guest ...
by Rupert
Mon Jul 18, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: Possible Water Spot on Ceiling
Replies: 16
Views: 1133

Re: Possible Water Spot on Ceiling

Do what the PP above me says and then, if the problem isn't obvious, call a licensed plumber. Don't call a handyman. This could be something as simple as a poor caulk job around the upstairs shower or as serious as a leaky pipe in the upstairs bathroom wall/floor. The plumber will charge you for a s...
by Rupert
Sun Jul 17, 2016 7:54 am
Forum: Personal Consumer Issues
Topic: Mattress Replacement Question
Replies: 8
Views: 1188

Re: Mattress Replacement Question

The mattress world is extremely depressing. The other evening, a friend spoke well of a mattress salesperson who offered to match a better price on the same mattress. She wasn't aware of naming scam - that no two retailers carry mattresses with the same name so that there can be no comparison shopp...
by Rupert
Fri Jul 15, 2016 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding Inheriting Parents' Financial Mess / Debts
Replies: 35
Views: 2931

Re: Avoiding Inheriting Parents' Financial Mess / Debts

He can't inherit a house that his parents don't own. The bank owns it and will take possession of it after the parents' death.
by Rupert
Fri Jul 15, 2016 9:52 am
Forum: Personal Consumer Issues
Topic: discount cards for prescriptions?
Replies: 27
Views: 1514

Re: discount cards for prescriptions?

I can't say enough good stuff about the Publix pharmacy if there's one near you. Not only will they accept your coupons, they will actively search for other coupons for you.
by Rupert
Fri Jul 15, 2016 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Filed Flexible Spending Account Late - Being Denied $5K spent
Replies: 20
Views: 2039

Re: Filed Flexible Spending Account Late - Being Denied $5K spent

That's the whole reason FSA accounts exist - so the government gets free $$ from absent minded people! It's kind of like a tax. +1. When you forfeit funds in the account, your employer keeps it but, I think, must use it to administer the FSA. The government gets nothing. I think the employer can al...
by Rupert
Thu Jul 14, 2016 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Township wants me to pay business tax on my rental property income. Are they right?
Replies: 15
Views: 1829

Re: Township wants me to pay business tax on my rental property income. Are they right?

In my city you would be required to acquire a general business license and pay business taxes because you're in the residential rental business. If your family owns this property, as opposed to a corporate entity, then I think it's a sole proprietorship and the social security numbers of the persons...
by Rupert
Thu Jul 14, 2016 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Term Life
Replies: 4
Views: 515

Re: Term Life

If you don't have any health issues and your parents lived past age 60, then one of the on-line services, such as term4sale or selectquote, should be fine. If you do have health issues and one of your parents died prior to age 60 from any cause, then I would consult an independent insurance broker i...
by Rupert
Thu Jul 14, 2016 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Job Loss / Health insurance
Replies: 5
Views: 693

Re: Job Loss / Health insurance

Is this is a small employer (<20 employees), and is that the reason why COBRA is not offered ? That is quite a gap to have, IMO. I would not want to be 1 day without coverage. I guess I should never work for a small company. Just make sure you have new coverage lined up BEFORE you give your two wee...
by Rupert
Wed Jul 13, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: How much cash to give when invited to a wedding?
Replies: 73
Views: 4993

Re: How much cash to give when invited to a wedding?

Do the same rules apply if it's a destination wedding? My family has one coming up, and my kids are in the wedding party. We're already driving 9 hours to get there, paying an outrageous amount to stay 2 nights in the hotel where the wedding rehearsal, wedding, and reception will be held, and buying...
by Rupert
Tue Jul 12, 2016 12:41 pm
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 140
Views: 12790

Re: Are you going to shop on Prime Day?

Is anyone here an Amazon Prime member? Are you going to shop on Prime day (July 15)? Do you have any strategies? Already did. Strategy? Don't but something just because it's on sale. Buy something you need that is on sale. +1. Last week I put a lot of items that my kids need for the upcoming school...
by Rupert
Tue Jul 12, 2016 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 6233

Re: Private vs State School?

lgs88 wrote:Which state are we talking about here? Some public university systems have a lot to be said for them, others less so.


Same can be said for private universities.
by Rupert
Tue Jul 12, 2016 11:28 am
Forum: Personal Consumer Issues
Topic: Should I use my GC for "outside" work on house?
Replies: 2
Views: 526

Re: Should I use my GC for "outside" work on house?

I wouldn't pay a GC 10% to oversee the building of a fence. Call a fencing company directly and save that money. It makes a little more sense to use the GC for the deck and/or shed (especially the deck). But I bet you'll find that you'll get a better deal by calling around to various companies that ...
by Rupert
Mon Jul 11, 2016 11:26 am
Forum: Personal Consumer Issues
Topic: August vacation to Glacier NP
Replies: 21
Views: 2092

Re: August vacation to Glacier NP

I forgot to mention earlier . . . There's a great little pie restaurant in St. Mary, on the east side of the park, called the Park Cafe. The strawberry rhubarb is worth the long wait for a table.
by Rupert
Mon Jul 11, 2016 11:01 am
Forum: Personal Finance (Not Investing)
Topic: closing out credit cards that aren`t used effecting your credit score
Replies: 7
Views: 796

Re: closing out credit cards that aren`t used effecting your credit score

The age of the cards/accounts also matters. I've always heard to never close your oldest accounts. Just use those cards once or twice a year to keep them active.
by Rupert
Sun Jul 10, 2016 2:06 pm
Forum: Personal Consumer Issues
Topic: August vacation to Glacier NP
Replies: 21
Views: 2092

Re: August vacation to Glacier NP

Do the short hike at Logan Pass behind the visitor center. If you can, cross over into the Canadian side of the park and visit the Prince of Wales hotel. This is what you'll see: http://www.firstlight.com/feature/canad ... berta.html
by Rupert
Fri Jul 08, 2016 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: What does "maxing out retirement savings" mean?
Replies: 19
Views: 2040

Re: What does "maxing out retirement savings" mean?

It means contributing up to the legal limit in all tax-advantaged retirement accounts available to you, whatever those may be.
by Rupert
Fri Jul 08, 2016 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Home Rebuilding Cost Estimate
Replies: 24
Views: 1862

Re: Home Rebuilding Cost Estimate

In my 20+ years as a homeowner, I have not found an insurance company in my region that will negotiate rebuilding cost. They have an algorithm. That's what they use. Take it or leave it. (That's typically what they say). Note that if your house is "special" in some way, i.e., in a historic...
by Rupert
Fri Jul 08, 2016 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help Me Understand My Edward Jones Broker
Replies: 30
Views: 1749

Re: Help Me Understand My Edward Jones Broker

All you need to understand about Edward Jones and his ilk is that you are being ripped off. Run while you have any money left. (But know that Edward Jones is going to take one final chunk out of you before you completely escape).
by Rupert
Fri Jul 08, 2016 9:39 am
Forum: Personal Consumer Issues
Topic: Mice in my grill
Replies: 32
Views: 2708

Re: Mice in my grill

I once had a problem with rats in my house. I called the city rat guy (he works for the health department, I think) who came out to look around and set up a trap. He told me in no uncertain terms that I would continue to have a problem unless I permanently got rid of two items: my bird feeder and my...
by Rupert
Thu Jul 07, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: Hiking questions
Replies: 154
Views: 7802

Re: Hiking questions

I always like the suggestion to have some waterproof matches. Ever since dispo butane lighters were invented, we never used matches. The lighters work in the rain just fine. You can take them swimming. You might have to warm them up in your armpit if you go snow camping, but they are going to work....
by Rupert
Wed Jul 06, 2016 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: No Company Match Until 1 Year of Service?
Replies: 30
Views: 2819

Re: No Company Match Until 1 Year of Service?

It is not unusual, especially at companies with high turnover.
by Rupert
Wed Jul 06, 2016 10:51 am
Forum: Personal Finance (Not Investing)
Topic: What do I need to know about billing before a medical procedure?
Replies: 41
Views: 2835

Re: What do I need to know about billing before a medical procedure?

Quite frankly, until people such as yourself keep asking these questions in regards to possible costs, nothing will change. The system is incoherent both to consumers and to itself. No one really knows the cost of anything until after the fact. None of the participants are directly in touch with th...
by Rupert
Tue Jul 05, 2016 8:51 am
Forum: Personal Consumer Issues
Topic: How to negotiate result of big item home inspection
Replies: 54
Views: 3171

Re: How to negotiate result of big item home inspection

Honestly, for an HVAC unit, I would ask for money knocked off the sale price rather than ask the owner to replace it before you complete the contract. You really do want to be the one selecting the HVAC vendor, HVAC model, and all other features associated with the HVAC, not the current owner. The ...
by Rupert
Sun Jul 03, 2016 6:56 am
Forum: Personal Consumer Issues
Topic: Stimulating toys for 3-5 year old
Replies: 18
Views: 1535

Re: Stimulating toys for 3-5 year old

Snap Circuits Jr., Playmobil sets, a dollhouse with lots of furniture to re-arrange, Mad Libs Jr. (if she's reading at all)
by Rupert
Sat Jul 02, 2016 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Unexpected Medical Facility Charges - Outpatient Surgery
Replies: 48
Views: 3435

Re: Unexpected Medical Facility Charges - Outpatient Surgery

[OT comment removed by admin LadyGeek] As a consumer you have a right to find out what the price is as best you can. You have a right to question the accuracy of the cost. You have a right to even sue if you don't think it was handled correct. What you have NO right is to decide on a price of anyth...
by Rupert
Fri Jul 01, 2016 3:54 pm
Forum: Personal Consumer Issues
Topic: LONG: Help in deciding on a refinance for house repair....
Replies: 11
Views: 576

Re: LONG: Help in deciding on a refinance for house repair....

You might consider a HELOC instead of a cash-out refi. But if it were me, I'd use DH's inheritance. Why pay interest when you have the money sitting there in the bank? If it makes you feel better, then "borrow" the money from DH and pay him back over time, with interest if you want to get ...
by Rupert
Fri Jul 01, 2016 3:45 pm
Forum: Personal Consumer Issues
Topic: Most frustrating company with worst customer service
Replies: 21
Views: 1223

Re: Most frustrating company with worst customer service

Comcast is a close second, but AT&T is the worst. Have you spoken to Valentino yet? Every time I called them I was transferred to a guy named Valentino somewhere in South Asia. It wasn't the same guy. Either old movies or fashion are just very popular in call centers in South Asia.

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