Search found 1150 matches

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: 531

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: 531

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: 12
Views: 724

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: 678

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: 11
Views: 279

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: 44
Views: 2352

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: 11
Views: 279

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: 1724

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: 33
Views: 1347

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...
by Rupert
Thu Apr 28, 2016 12:47 pm
Forum: Personal Consumer Issues
Topic: Mosquito control for home
Replies: 27
Views: 1435

Re: Mosquito control for home

I moved from the south last year. Getting away from mosquitoes was in the top five reasons for me to go. I would try to be more helpful, but literally nothing works depending on your geography. I've lived in the South most of my life, but the worst -- absolutely the WORST -- mosquito problem I've e...
by Rupert
Thu Apr 28, 2016 12:40 pm
Forum: Personal Consumer Issues
Topic: Car Seat for vacation car rental
Replies: 14
Views: 436

Re: Car Seat for vacation car rental

Checking the carseat in is the best option. Most airlines will do it for free as long as there is a child traveling. However, while some airlines will also put the carseat in a plastic bag for you, some airlines don't. If Frontier doesn't, you may want to consider purchasing a carseat cover and put...
by Rupert
Wed Apr 27, 2016 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: One question about medical insurance in-network service
Replies: 10
Views: 657

Re: One question about medical insurance in-network service

When this happens to me, my provider typically re-submits the claim to the insurance company after figuring out what went wrong. Sometimes it's just a coding error or an explanation from the doctor is required as to medical necessity. I would call your provider's insurance office before calling the ...
by Rupert
Wed Apr 27, 2016 11:20 am
Forum: Personal Consumer Issues
Topic: Buy used or new? Which of these small SUVs are best for families?
Replies: 36
Views: 1907

Re: Buy used or new? Which of these small SUVs are best for families?

You have listed them in order of perceived reliability and desirability. Seems to me (and I don't have kids) 2 kids will fit in any of those but 3 will almost require a 3-row. +1. If you're going to add 2 kids in the next 5 years, you need to be looking at minivans and larger SUVs. None of these wi...
by Rupert
Tue Apr 26, 2016 3:45 pm
Forum: Personal Consumer Issues
Topic: Women business clothes - what brands make the right impression?
Replies: 48
Views: 3444

Re: Women business clothes - what brands make the right impression?

+1 on the personal shopper. The executive women I know well (one a Vice President with a large, regional utility company and the other a Vice President with a large, international media company) both use them. They don't step foot in a store except to try on and pick up items that have already been ...
by Rupert
Mon Apr 25, 2016 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Want a new vehicle, but can't "justify" spending?
Replies: 27
Views: 2479

Re: Want a new vehicle, but can't "justify" spending?

How did you justify buying a Lexus, rather than a Toyota? This is a much easier call than that, IMHO. Seems pretty clear to me that you need a truck of some sort. If you don't feel you can justify buying a new one, then buy a used one. When you can afford it (and you seem to think you can), don't st...
by Rupert
Mon Apr 25, 2016 9:23 am
Forum: Personal Finance (Not Investing)
Topic: house mold report/what does it mean?
Replies: 11
Views: 1521

Re: house mold report/what does it mean?

thanks to all. yes i have read the whole report. Just not sure what it all means. am thinking about buying it but probably should just stay away from it. i can't seem to find out why they even did the analysis. someone must have had a problem. have not seen a report on any other house i have ever b...
by Rupert
Fri Apr 22, 2016 10:45 am
Forum: Personal Consumer Issues
Topic: Law School Advice
Replies: 88
Views: 6676

Re: Law School Advice

Maybe it would be helpful to the original poster if you all can post about what type of law you practice? My practice area is Labor and Employment with a fair amount of M&A work. It is a stressful job but relatively financially rewarding. I started at BigLaw for 3 years, moved to another firm t...
by Rupert
Fri Apr 22, 2016 9:52 am
Forum: Personal Finance (Not Investing)
Topic: disability insurance: do I really need it?
Replies: 53
Views: 3758

Re: disability insurance: do I really need it?

Disabled people who are approved for Social Security disability insurance (SSDI) benefits go on Medicare, and those who are approved for Supplemental Security Income (SSI) go on Medicaid. However, SSDI recipients aren't eligible to receive Medicare benefits until two years after their date of entit...
by Rupert
Fri Apr 22, 2016 8:45 am
Forum: Personal Consumer Issues
Topic: Law School Advice
Replies: 88
Views: 6676

Re: Law School Advice

It's interesting that everytime I see a law school thread no one ever mentions becoming a judge. Is it very difficult to become a judge or just not desirable? What kind of salary do they make? I've always thought I'd be a good judge but never wanted to go to law school. In many states, judges are e...
by Rupert
Thu Apr 21, 2016 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: disability insurance: do I really need it?
Replies: 53
Views: 3758

Re: disability insurance: do I really need it?

Not public yet, but it's coming and it's for the whole country. If you are on the fence, now is the time to get it done. All apps must be approved by 10/31/16 otherwise they will be terminated from the system. Sucks, they were killing it for a couple years, I sold a lot of their policies since Inco...
by Rupert
Thu Apr 21, 2016 4:44 pm
Forum: Personal Consumer Issues
Topic: Law School Advice
Replies: 88
Views: 6676

Re: Law School Advice

Law school is typically 3 years, so I am confused as to why she cannot create a network in that time in the city where her current school is. Another factor is, she wanted to be a teacher and (presumably) got tired of it. What if she goes hundreds of thousands of dollars in debt and 1) cannot get a...
by Rupert
Wed Apr 20, 2016 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Unwinding Parent/Child joint real estate purchase
Replies: 10
Views: 826

Re: Unwinding Parent/Child joint real estate purchase

You'd better run this plan by your mortgage company before she relinquishes legal ownership of the property. And do you want to add your new spouse's name to the deed? If so, it might be easier to handle all this as part of a mortgage refi. You and your new spouse could get a new mortgage together, ...
by Rupert
Wed Apr 20, 2016 8:56 am
Forum: Personal Finance (Not Investing)
Topic: 529's for each child
Replies: 12
Views: 1056

Re: 529's for each child

I want my kids to know that I've given each of them exactly the same amount of money for college. Having a single account makes that more difficult, though not impossible I guess. What's the benefit to having only one account? It's not hard and doesn't cost more to have separate accounts.
by Rupert
Tue Apr 19, 2016 11:01 am
Forum: Personal Consumer Issues
Topic: Law School Advice
Replies: 88
Views: 6676

Re: Law School Advice

I just wanted to throw another option out there for your daughter if she's really interested in BigLaw jobs but can't get into one right out of law school. It's possible to move into those firms laterally out of government jobs, particularly federal government jobs with the Department of Justice or ...
by Rupert
Tue Apr 19, 2016 9:13 am
Forum: Personal Consumer Issues
Topic: Law School Advice
Replies: 88
Views: 6676

Re: Law School Advice

To have a realistic chance of becoming a law professor at a decent school, she needs to be top or near top of her class at a top 20 or 25 school, minimum. And she needs to land a federal judicial clerkship after graduation, preferably at the appellate court level. Even with those credentials, the od...
by Rupert
Mon Apr 18, 2016 4:21 pm
Forum: Personal Consumer Issues
Topic: Laptop - Touch Screen?
Replies: 22
Views: 1462

Re: Laptop - Touch Screen?

When I was shopping for a new personal laptop last year, I had a hard time finding one with the features I wanted that didn't also come with a touch screen. I certainly wouldn't have (and didn't) pay extra for the touchscreen. I just couldn't get the precise machine I wanted without the touchscreen ...
by Rupert
Fri Apr 15, 2016 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 130
Views: 7353

Re: University of Virginia vs University of Miami

You seem to talk a lot about music, even though you say your kid has decided not to major in music. And why poli sci if your son wants a "broad liberal arts education"? Poli sci does not scream "broad liberal arts" to me, something like philosophy or history does. So if I were yo...
by Rupert
Fri Apr 15, 2016 10:21 am
Forum: Personal Consumer Issues
Topic: Cooking Meat/Fish/Poultry Indoors?
Replies: 32
Views: 1876

Re: Cooking Meat/Fish/Poultry Indoors?

Poultry is great when cooked in a crock pot. Just throw a whole chicken (or bone-in breasts) in there with some barbeque sauce and let it cook all day. It's delicious. As for the over-door-open or closed during broiling debate, the rule of thumb used to be to leave the door open with an electric ove...
by Rupert
Thu Apr 14, 2016 12:57 pm
Forum: Personal Consumer Issues
Topic: Dispute the medical bill charge
Replies: 14
Views: 1265

Re: Dispute the medical bill charge

I have just regular Blue Cross Flue Shield insurance plan. The insurance covers most of the ultrasound charge (so I will owe $35 for ultrasound), and it covers 180.63 of the office visit (I owe $259.37 for office visit). So most of the amount I owe is for the charge that I DO NOT understand, and fo...
by Rupert
Thu Apr 14, 2016 8:52 am
Forum: Personal Finance (Not Investing)
Topic: disability insurance: do I really need it?
Replies: 53
Views: 3758

Re: disability insurance: do I really need it?

Maybe I am just not being sufficiently imaginative when I consider what could realistically disable me. Being confined to a wheelchair would not be enough, as long as I had use of my hands (for typing) and mind. But maybe I would need extra care, as you do, and working full-time (or at all) might n...
by Rupert
Wed Apr 13, 2016 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: disability insurance: do I really need it?
Replies: 53
Views: 3758

Re: disability insurance: do I really need it?

Buy it. At age 39, I was working at my present relatively low-stress, white-collar desk job and in great physical shape (playing league tennis at a high level 3 or 4 times a week) with no serious medical history when I was diagnosed with a chronic condition that makes me virtually un-insurable as fa...
by Rupert
Tue Apr 12, 2016 11:58 am
Forum: Personal Consumer Issues
Topic: The Lawn vs. The Homeowner (guess who's winning)
Replies: 59
Views: 5139

Re: The Lawn vs. The Homeowner (guess who's winning)

Stop fighting the weeds. Cultivate the prettier ones. Mondo grass, for instance. It's taking over my yard as my shade trees grow larger and prevent my St. Augustine from getting enough sun. I've decided to stop fighting the mondo and just let it take over. I've seen some people do the same with clov...
by Rupert
Tue Apr 12, 2016 9:27 am
Forum: Personal Consumer Issues
Topic: Rental Car Help
Replies: 29
Views: 1524

Re: Rental Car Help

My rentals are always at airports. I don't ever remember seeing Cosco, Expedia or Kayak booths there. Are you trying to be funny? You don't rent the car from Costco. You make the reservations through Costco and get a steep discount. Just yesterday I made a reservation with Alamo using Costco's serv...
by Rupert
Tue Apr 12, 2016 9:21 am
Forum: Personal Consumer Issues
Topic: Chimney repair - who to call?
Replies: 7
Views: 795

Re: Chimney repair - who to call?

Sometimes they're called "chimney sweeps." They do more than clean fireplaces and chimneys. They repair and line chimneys too. Many of them are also masons.
by Rupert
Mon Apr 11, 2016 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Best Way to Transition Insurance (Baby on the way)
Replies: 7
Views: 411

Re: Best Way to Transition Insurance (Baby on the way)

I don't think you can continue with the same policy. COBRA would have been your only way to do that; since your employer doesn't offer COBRA, you're limited to the individual marketplace. As for switching types of policies, e.g., from a PPO to a high-deductible policy, there are tons of threads here...
by Rupert
Mon Apr 11, 2016 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Balance Employee qualifying for Medicaid versus full work week
Replies: 8
Views: 386

Re: Balance Employee qualifying for Medicaid versus full work week

JoinToday wrote:easy solution. cut the employee's pay. A win-win for everyone.

And if they dont straighten up, cut it some more :shock:


Or raise it so she can afford the health insurance.
by Rupert
Mon Apr 11, 2016 3:12 pm
Forum: Personal Consumer Issues
Topic: Rental Car Help
Replies: 29
Views: 1524

Re: Rental Car Help

To piggyback on this question, do you guys buy insurance from the rental company while renting a car? I have always relied on my credit card company taking care of things if something happens, but wondering if that is unwise strategy. Read this NY Times article on rental car insurance: http://www.n...
by Rupert
Mon Apr 11, 2016 3:09 pm
Forum: Personal Consumer Issues
Topic: Are any OTC drugs and vitamins U.S.P.-labelled any more?
Replies: 34
Views: 1119

Re: The vanishing of USP drugs?

I suggest these public assurance certifications that were created a century ago have become irrelevant, at least in comsumers' consciousnesses. L. +1. I doubt many people under the age of 40 even know what UL and USP mean. I recall hearing a lot about UL as a child, but not so much anymore. It's no...
by Rupert
Mon Apr 11, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: Rental Car Help
Replies: 29
Views: 1524

Re: Rental Car Help

+1 on Costco
by Rupert
Mon Apr 11, 2016 10:18 am
Forum: Personal Finance (Not Investing)
Topic: IRS cashed unsigned check
Replies: 40
Views: 4159

Re: IRS cashed unsigned check

20+ years ago I had a horrible summer job microfilming checks for a large regional bank's proof department. I stood up all day feeding bundles of checks through the microfilming machine. The bundles were brought to me from the bank's multiple branches via armored truck. Each bundle had thousands of ...
by Rupert
Wed Apr 06, 2016 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA for minors from Fidelityquestion
Replies: 4
Views: 238

Re: Roth IRA for minors from Fidelityquestion

Fidelity Roth IRA for kids seems like a better option than the UGMA/UTMA accounts commonly used for minors as it will be tax free for the rest of their life. Are all kids eligible even if parents are not due to income? Can earned income be for helping shovel the snow, wash dishes, etc.? If so, what...
by Rupert
Wed Apr 06, 2016 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Term Insurance vs Group (FEGLI) for cancer survivor
Replies: 2
Views: 182

Re: Term Insurance vs Group (FEGLI) for cancer survivor

I don't think 10 years is "too soon" after prostate cancer, but your insurability typically depends on a number of factors, such as whether your cancer had spread, how it was treated, your PSA results, etc. You should contact an independent insurance agent and discuss your options. An inde...
by Rupert
Wed Apr 06, 2016 12:54 pm
Forum: Personal Consumer Issues
Topic: Dental implant or retreatment of root canal?
Replies: 9
Views: 816

Re: Dental implant or retreatment of root canal?

Rupert, I'm a general dentist and I would recommend having the 3D (CT) scan on the tooth. Both financially and as a dental recommendation I typically recommend that patients have the re-Tx. The only exception is if the tooth is severely compromised (not much tooth structure for the crown to hold on...
by Rupert
Wed Apr 06, 2016 10:23 am
Forum: Personal Consumer Issues
Topic: Dental implant or retreatment of root canal?
Replies: 9
Views: 816

Dental implant or retreatment of root canal?

Calling all endodontists, periodontists, oral surgeons, dentists, or people have been through what I'm going through . . . I had a root canal on my rear-most lower molar six years ago. The tooth recently began hurting again. The pain is not debilitating but is distracting and is worse on some days t...
by Rupert
Wed Apr 06, 2016 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Price matching to Amazon
Replies: 24
Views: 2045

Re: Price matching to Amazon

You didn't mention the catch, so I will. The catch is, Walmart and Target will most certainly assess sales tax, whereas Amazon won't* Sales tax in Little Rock, AR is a whopping 9% * Unless you're in a particular state that's forcing Amazon to collect sales tax. In most states, your supposed to incl...
by Rupert
Wed Apr 06, 2016 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Price matching to Amazon
Replies: 24
Views: 2045

Re: Price matching to Amazon

I thought my fellow bogleheads might appreciate the following article - https://www.checkbook.org/san-francisco-bay-area/pricematching/ Turns out that Walmart and Target among others will price match to Amazon's price! I tested this out at both these places - one for a lightning/USB cable, and the ...
by Rupert
Wed Apr 06, 2016 9:24 am
Forum: Personal Consumer Issues
Topic: Out of state wills and trusts
Replies: 10
Views: 667

Re: Out of state wills and trusts

Thank you all for your responses. Can you keep the original will in your home safe without ever taking a copy to a law firm? ie, do you even need to register the will anywhere, or just keep it at home? The rules vary by state. For that reason, Bogleheads is not the best place to get advice on this ...
by Rupert
Tue Apr 05, 2016 12:01 pm
Forum: Investing - Theory, News & General
Topic: Baby Boomers Doubling in next 20 yrs predictions ?
Replies: 50
Views: 3890

Re: Baby Boomers Doubling in next 20 yrs predictions ?

Valuethinker wrote:
Rupert wrote:Although modern fertility treatments are amazing, I don't think we're adding new Baby Boomers. I think we've started subtracting them.


You are forgetting the impact of the invention of Time Travel.

We will all go back and date our grandmothers.


Marty McFly-style.
by Rupert
Tue Apr 05, 2016 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance For Newborn?
Replies: 49
Views: 3056

Re: Life Insurance For Newborn?

If you can get a low-cost term policy that has an option to purchase more insurance at some point in the future (generally on the insured's 18th or 21st birthday) without providing evidence of insurability, it may be worth buying. Under what conditions would such a product be worth buying? When the...
by Rupert
Tue Apr 05, 2016 10:58 am
Forum: Investing - Theory, News & General
Topic: Baby Boomers Doubling in next 20 yrs predictions ?
Replies: 50
Views: 3890

Re: Baby Boomers Doubling in next 20 yrs predictions ?

Although modern fertility treatments are amazing, I don't think we're adding new Baby Boomers. I think we've started subtracting them.

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