Search found 1899 matches

by Rupert
Sat Apr 29, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Anyone use independent rental car insurance
Replies: 15
Views: 675

Re: Anyone use independent rental car insurance

Does anyone have a policy that won't exclude coverage when you violate the terms of the rental car agreement? This is an extremely practical problem for people who rent for visiting state or national parks, for example, where rental car agreements generally prohibit driving (but your personal car p...
by Rupert
Sat Apr 29, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: Anyone use independent rental car insurance
Replies: 15
Views: 675

Re: Anyone use independent rental car insurance

I don't own a car (3 bicycles!), so obviously, I don't have any car insurance. When I rent a car, usually from Enterprise, I either refuse the insurance because my credit card has insurance and the nature of the rental is short. Or, I buy the insurance because it's snowy or a long dangerous trip, e...
by Rupert
Sat Apr 29, 2017 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Major health issue - finding new employment with health coverage
Replies: 35
Views: 2369

Re: Major health issue - finding new employment with health coverage

tj wrote:Have you checked lowestmed and goodrx prices for the drug?


When you take a drug this expensive, your insurance company usually requires you to buy it from one particular specialty pharmacy that they have a contract with. You don't have the option of shopping around. Just fyi.
by Rupert
Sat Apr 29, 2017 8:26 am
Forum: Personal Consumer Issues
Topic: Wrist based heart rate monitors
Replies: 20
Views: 924

Re: Wrist based heart rate monitors

Wrist-based heart rate monitors do not work as well as chest straps. The science just isn't there yet. So if you have, for example, a heart condition and need to monitor your heart rate precisely during exercise, I would stick with the chest strap for now. I wear a Fitbit Charge HR, and I find that ...
by Rupert
Fri Apr 28, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: The Wolf of Wall Street is on FX tonight - Worth watching???
Replies: 29
Views: 2262

Re: The Wolf of Wall Street is on FX tonight - Worth watching???

I rented it. I recommend it... sort of. I have enough male chauvinist pig in me that I thought it was actually funny. Great acting, beautifully constructed movie. My wife didn't actually watch it, but--just as I expected, she glanced at it from time to time and didn't see the humor in it. We both e...
by Rupert
Thu Apr 27, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Credit monitoring: Credit Karma vs. ProtectMyID vs. ?
Replies: 5
Views: 286

Re: Credit monitoring: Credit Karma vs. ProtectMyID vs. ?

Is there any way to do something a little less strict than a freeze, i.e. requiring you to approve a request rather than outright preventing it without first having to unfreeze? I did read about Fraud Alerts but apparently they're temporary and require an occurrence of identity theft. Not that I'm ...
by Rupert
Thu Apr 27, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: When does it make sense to stop paying to repair your old vehicle?
Replies: 56
Views: 3495

Re: When does it make sense to stop paying to repair your old vehicle?

S I have an 18 year old truck with 182K on it. I put about 3-5K miles on it every year. I have a feeling it will last another 5+ years, since it has very little rust, also grew up in the south, and doesn't have much mechanically wrong at the moment (knock on wood). But my plan is to buy another 10+...
by Rupert
Wed Apr 26, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Major health issue - finding new employment with health coverage
Replies: 35
Views: 2369

Re: Major health issue - finding new employment with health coverage

When you say you are "currently employed (USA)" and are frustrated with the "current government healthcare system," do you mean you work for the federal government? Because the federal government offers its employees a choice of multiple insurance policies, most of them very good...
by Rupert
Wed Apr 26, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Employer 401(k) Liability
Replies: 13
Views: 856

Re: Employer 401(k) Liability

Do you have ERISA fiduciary liability insurance in place? Most D&O liability polices specifically exclude ERISA coverage. Look at your existing policy closely, and add an ERISA policy if necessary. That's the best way to reduce your potential fiduciary liability.
by Rupert
Wed Apr 26, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Pregnant - HSA vs PPO decision
Replies: 11
Views: 907

Re: Pregnant - HSA vs PPO decision

In our experience, PPO was better. Others have calculated the worst case scenario, but what about best case? Often pregnancy is billed as one specialist visit plus any extra ultrasounds plus one hospital stay. If your PPO has a flat copay for a hospital admission then the entire thing might be only...
by Rupert
Wed Apr 26, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: Doctor bill question
Replies: 29
Views: 1841

Re: Doctor bill question

This has happened to me. Under my insurance, my co-pay is lower if I see an NP, rather than the MD. So it's worth disputing for that reason. But I let the insurance company handle everything else, i.e., if the insurance company wants to pay the MD rate when I see an NP, alright by me, but I'm not pa...
by Rupert
Wed Apr 26, 2017 7:42 am
Forum: Investing - Theory, News & General
Topic: Unwinding all positions and buy back after French Elections
Replies: 53
Views: 4759

Re: Unwinding all positions and buy back after French Elections

TX_Man wrote:
unclescrooge wrote:
Vanguard Fan 1367 wrote:I love Jack Bogle, "don't do something, just stand there." :happy


Indeed the hardest part about investing is not doing anything!


Epic quote! Is it from a book?


That quote has been attributed to everyone from Adlai Stevenson to Clint Eastwood. It's not a John Bogle original.
by Rupert
Mon Apr 24, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Buying weekend home: suburbs or rural? (yard privacy important)
Replies: 24
Views: 2080

Re: Buying weekend home: suburbs or rural? (yard privacy important)

So keep an eye out for older developments which will have mature landscaping, but be aware that they may come with more tree service expense and home maintenance. +1. OP, are there not any small towns with older neighborhoods in your price range and in your search area? That would seem to be a good...
by Rupert
Mon Apr 24, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Where did you buy your Long Term Disability Insurance ?
Replies: 29
Views: 1595

Re: Where did you buy your Long Term Disability Insurance ?

I contacted a local Guardian agent and given i had a major surgery 8 weeks back, he is suggesting me to wait 2 years before shopping for LTD, b/c he thinks i may get denied now or my premium could be extremely high....bummer... Any other ways to supplement LTD beyond what i get from work ? I'm just...
by Rupert
Mon Apr 24, 2017 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Looking at buying our first home, what can I reasonably afford. Also a tax bracket question.....
Replies: 27
Views: 3115

Re: Looking at buying our first home, what can I reasonably afford. Also a tax bracket question.....

Everything I am making now that is more than we made before is from commission, and going off exempt I lose 40% of that to with holdings. I'd need that money now and not once a year in a refund to ( I feel ) responsibly afford to move into a house. Not understanding why you can't just put your tax ...
by Rupert
Mon Apr 24, 2017 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Where did you buy your Long Term Disability Insurance ?
Replies: 29
Views: 1595

Re: Where did you buy your Long Term Disability Insurance ?

My long-term disability insurance through my employer is quite adequate, so I didn't buy any outside of that. 60% of the previous year's gross salary should be quite adequate for me in the event I need it. As I pay 100% of the premium, the entire amount of any disability insurance payments would be...
by Rupert
Mon Apr 24, 2017 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Where did you buy your Long Term Disability Insurance ?
Replies: 29
Views: 1595

Re: Where did you buy your Long Term Disability Insurance ?

Guardian. I would use an independent insurance broker to both shop for policies and help you understand them. Disability attorneys mostly represent people applying for social security disability. I wouldn't necessarily expect them to have any expertise in disability insurance policies.
by Rupert
Mon Apr 24, 2017 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Why is Real-Estate so Bad?
Replies: 113
Views: 8460

Re: Why is Real-Estate so Bad?

There are transaction costs to buying real estate, then maintenance costs and management costs unless you are doing all the work yourself. If you are doing all the work yourself, that of course costs both time and money. And then there are the renters from hell. Every landlord has had renters from h...
by Rupert
Sat Apr 22, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 77
Views: 4994

Re: Six pack for barbecue?

I bring at least two packs of bottles. I'd go with something local for one of them, a local IPA or blonde ale would be a good choice this time of year. For the second, I'd go with something more generic. Corona is perfect, as almost no one hates it.
by Rupert
Fri Apr 21, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: basement shower options
Replies: 18
Views: 815

Re: basement shower options

and with this will need to tile the walls, but is it unrealistic to spend only a few hundred bucks on tile material alone? https://www.lowes.com/pd/DreamLine-Aqua-Ultra-Chrome-Acrylic-Floor-2-Piece-Alcove-Shower-Kit-Common-30-in-x-60-in-Actual-74-75-in-x-30-in-x-60-in/50443522 You can buy tile, thi...
by Rupert
Fri Apr 21, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: basement shower options
Replies: 18
Views: 815

Re: basement shower options

A custom tiled shower with glass door is going to cost you 2-3K minimum, and that's assuming your shower will have a relatively small door (i.e., not too much glass). It wouldn't hurt to go to a bath/shower showroom so they can show you all the fancy options you can choose. But I think your budget ...
by Rupert
Fri Apr 21, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: basement shower options
Replies: 18
Views: 815

Re: basement shower options

A custom tiled shower with glass door is going to cost you 2-3K minimum, and that's assuming your shower will have a relatively small door (i.e., not too much glass). It wouldn't hurt to go to a bath/shower showroom so they can show you all the fancy options you can choose. But I think your budget i...
by Rupert
Thu Apr 20, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Decision on Reallocating Kids 529s
Replies: 2
Views: 344

Re: Decision on Reallocating Kids 529s

I would be no more aggressive than 50/50 or 40/60 at this stage. Your normal asset allocation is not relevant given the short time horizon you're working with here. As for whether to switch to your own state's fund, what does Wisconsin do re taxing distributions from 529s? My state exempts 529 distr...
by Rupert
Thu Apr 20, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?
Replies: 46
Views: 2815

Re: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?

On the paperwork the patient is asked to sign, indicate that you are relying on the facility & its providers being in-network because X (name of persons with whom you spoke) informed you of that. It's not absolute protection, but it's better than saying nothing. Would writing that disclaimer on...
by Rupert
Thu Apr 20, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?
Replies: 46
Views: 2815

Re: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?

Sawhorse: If the situation you described (voluntary admission to a psychiatric facility in a situation an insurer would probably not regard as an emergency) were to occur, I'd suggest discussing insurance coverage BEFORE you enter the facility--first with your insurer & then with the facility. ...
by Rupert
Thu Apr 20, 2017 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Insurance!
Replies: 3
Views: 544

Re: Insurance!

Almost any major insurance company will do this, although some won't write homeowners' policies in certain areas. If I were you, I'd let an independent insurance broker (i.e., one not captive to a particular insurance company) call around and get quotes for me. No, you don't have to remove your insu...
by Rupert
Thu Apr 20, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?
Replies: 46
Views: 2815

Re: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?

There are several posts that say 'I wanted to arrange my own transportation from Facility A to Facility B, but they wouldn't let me'. As a matter of law, I don't see how a hospital can stop you if you announce you're leaving. This assumes you're ambulatory, of course. I don't think they could stop ...
by Rupert
Tue Apr 18, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford private school for my kids?
Replies: 67
Views: 5090

Re: Can I afford private school for my kids?

... and the cost of lunch is much higher than in public schools (often 2-3 times as much). You, the taxpayer, are subsidizing the public school lunch cost. The real cost of the public school lunch would include the cost of food, transportation of it, employees, and cafeteria space. The public schoo...
by Rupert
Tue Apr 18, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford private school for my kids?
Replies: 67
Views: 5090

Re: Can I afford private school for my kids?

We have also found that their small private school is more diverse in every way than our highly rated public schools. This is an interesting statement I'm having a hard time wrapping my head around. Me too, I find that hard to believe ^^. At least in New England, schools are organized by municipali...
by Rupert
Tue Apr 18, 2017 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford private school for my kids?
Replies: 67
Views: 5090

Re: Can I afford private school for my kids?

Private schools often have a lot of fundraisers so the 11k may be just a start for costs. This is an important point. The tuition is just part of the cost of attending private school. The pressure on parents (and even grandparents) to contribute money in addition to tuition never stops. There are u...
by Rupert
Mon Apr 17, 2017 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring a ROTH on divorce.
Replies: 5
Views: 548

Re: Transferring a ROTH on divorce.

Pretty sure you can't do this without a court order. The transfer needs to be immortalized in the divorce decree. Your divorce attorney(s) should be able to advise you.
by Rupert
Mon Apr 17, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: Doctor fees - Insured vs uninsured patients
Replies: 27
Views: 2651

Re: Doctor fees - Insured vs uninsured patients

Would doctors offering discounts or the "insurance rate" to cash-paying patients violate the doctors' contracts with the insurance companies?
by Rupert
Mon Apr 17, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: Telephone Problem
Replies: 10
Views: 737

Re: Telephone Problem

Older phones like that might have a switch that lets you set the phone to use tone dialing or pulse dialing which simulated the old clicks the manual rotary dial phones used to generate (I am showing my age).[...] I confess I've actually used such a phone!! :oops: Why would this make you smack your...
by Rupert
Mon Apr 17, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: How Easy is an Obamacare Tax Penalty Exemption?
Replies: 18
Views: 966

Re: How Easy is an Obamacare Tax Penalty Exemption?

I'm pretty sure medical insurance will refuse to pay costs related to a motor vehicle accident. 100% not true. The med insurer may seek reimbursement from an auto policy that covers the accident, but they'll pay. You aren't required to have auto insurance aside from liability, which wouldn't cover ...
by Rupert
Mon Apr 17, 2017 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Is spending 15K to furnish home too much?
Replies: 39
Views: 4462

Re: Is spending 15K to furnish home too much?

15K is dirt cheap to furnish an entire home down to the spatula. I mean, you could spend 15K just buying decent-quality mattresses. You could spend 15K on a sofa. But I don't think most people furnish an entire house with brand new things all at once. Most people accumulate things over a period of t...
by Rupert
Sun Apr 16, 2017 8:45 am
Forum: Personal Finance (Not Investing)
Topic: New Home - Design Center Options - making smart choices
Replies: 30
Views: 2294

Re: New Home - Design Center Options - making smart choices

No reason to install "cable" outlets. If your house has an unfinished basement, just run some smurf tube from the box to the basement. Co-axial is on it's way out. Don't prewire for speakers. Add electrical outlets instead. Laminate in a bath as a standard in a $500k house is outrageous. ...
by Rupert
Sat Apr 15, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid heath care surprises?
Replies: 26
Views: 1593

Re: How to avoid heath care surprises?

It has been my experience that it is best not to pay a provider's bill until you have seen the EOB issued by your insurance company. Sometimes that first bill goes out before the provider and the insurance company have settled up. If your provider is in-network, trust what your insurance company say...
by Rupert
Fri Apr 14, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Washer/dryer suggestions?
Replies: 31
Views: 1994

Re: Washer/dryer suggestions?

When I first bought my high-efficiency front-load washer I loved it. Used lots less water. Ran very quiet and played a catchy little tune when it finished a load. Clothes seemed to come out just as clean. But now, a few years later, I hate it. The damned thing stinks to high heaven, and the stink w...
by Rupert
Fri Apr 14, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: Washer/dryer suggestions?
Replies: 31
Views: 1994

Re: Washer/dryer suggestions?

When I first bought my high-efficiency front-load washer I loved it. Used lots less water. Ran very quiet and played a catchy little tune when it finished a load. Clothes seemed to come out just as clean. But now, a few years later, I hate it. The damned thing stinks to high heaven, and the stink wi...
by Rupert
Fri Apr 14, 2017 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Roth During Children Years?
Replies: 14
Views: 1446

Re: Roth During Children Years?

Yes, I have very good passive 401k choices. My S&P 500 ER is .003% and the bond fund is .001%. I'm debt free. No taxable account. I can max my 401k, but I do not even have a Roth IRA at this time and if I were to start one, it would cause me to reduce my 401k accordingly. I've always thought &q...
by Rupert
Fri Apr 14, 2017 10:56 am
Forum: Personal Finance (Not Investing)
Topic: New Home - Design Center Options - making smart choices
Replies: 30
Views: 2294

Re: New Home - Design Center Options - making smart choices

This is an interesting thread and makes me confident in our choice to not build. It doesn't have to be this way. Perhaps my builder was an anomaly, but he did things differently. 1. He sent us to the electrical supply company for lighting and fans. He told us we had a $1000 allowance and that would...
by Rupert
Fri Apr 14, 2017 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Roth During Children Years?
Replies: 14
Views: 1446

Re: Roth During Children Years?

The rule of thumb is that if you're in the 15% bracket or lower, you should prioritize 401k contributions to get the maximum employer match (otherwise you're leaving money on the table), then Roth contributions, then additional 401k contributions.
by Rupert
Fri Apr 14, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: RV Rental
Replies: 25
Views: 2042

Re: RV Rental

I apologize in advance if I'm insulting your intelligence because you've probably already thought of this, but do you have a vehicle that will pull a 2000lb+ camper/trailer loaded with gear? I know people who falsely assumed their mid-size SUV with a hypothetical towing capacity of 3500lb would tow ...
by Rupert
Fri Apr 14, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: New Home - Design Center Options - making smart choices
Replies: 30
Views: 2294

Re: New Home - Design Center Options - making smart choices

With only these 8 upgrades, we are already at $21K so far and this doesn't include appliances or wall tiles in bathrooms, gutters around the house, iron railings for stairs etc. Gutters are an upgrade??? Is installing shingles on the roof considered to be an upgrade as well? I thought the same thin...
by Rupert
Fri Apr 14, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Planning for family's future without me
Replies: 12
Views: 1897

Re: Planning for family's future without me

Re the Cinderella scenario -- It's a sensitive topic, but definitely a conversation you should have with your wife. If she's not financially savvy, i.e., if you're the partner who manages the family finances, the important thing is to educate her about how to protect your kids financially should she...
by Rupert
Wed Apr 12, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Car Breaks Down on Long Road Trip
Replies: 55
Views: 4512

Re: Car Breaks Down on Long Road Trip

If under warranty, I would have it towed to the local dealer for repair. If not under warranty, I would likely take it to a shop that is part of a national chain, e.g., Firestone, and let them repair it because my local Firestone would honor the warranty on the service and parts. If it's something m...
by Rupert
Wed Apr 12, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Will - what is complicated?
Replies: 72
Views: 3931

Re: Will - what is complicated?

IMHO (and I am a lawyer but not a T&E lawyer), if there are minor children involved, it is complicated. Why? Because the stakes are higher. If you screw it up, your surviving children pay the price. Edited to add this: If for no other reason, you should hire a competent local attorney to handle ...
by Rupert
Wed Apr 12, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: That second Visa card
Replies: 25
Views: 1897

Re: That second Visa card

inbox788 wrote:
Rupert wrote:I'd either get a Mastercard or a Discover card, definitely Mastercard if you travel internationally.

Is Mastercard better than Amex for traveling?


Yes, both domestically and internationally. It's better than Discover for international travel.
by Rupert
Tue Apr 11, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Honda Pilot good 1st vehicle for teen?
Replies: 46
Views: 2588

Re: Honda Pilot good 1st vehicle for teen?

I believe there are even dashcams that show the interior of the car, and could be used to check up that Junior is not hauling around a small platoon of kids. Devices exist to let you track and even control your teen's driving habits. See http://www.consumerreports.org/cro/magazine/2014/07/how-to-tr...
by Rupert
Tue Apr 11, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Healthcare Sharing?
Replies: 17
Views: 1022

Re: Thoughts on Healthcare Sharing?

The plan has no obligation to pay because it is not an insurance company, it is simply members paying for the care of other members, and you cannot force those members to cover whatever costs may exist. That is why insurance companies are regulated - they are the entity required to pay out the clai...

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