Search found 1370 matches

by Rupert
Tue Aug 30, 2016 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Good School District or Private School?
Replies: 50
Views: 1990

Re: Good School District or Private School?

When you can afford either option without stretching or sacrificing your retirement savings, which you clearly can, then I think the intangible factors become more important, e.g., commute time, social issues. Also, and you probably don't really realize this yet since you don't yet have kids, having...
by Rupert
Mon Aug 29, 2016 4:18 pm
Forum: Personal Consumer Issues
Topic: Recommend a Prisoners' Rights Non-Profit?
Replies: 16
Views: 693

Re: Recommend a Prisoners' Rights Non-Profit?

Families Against Mandatory Minimums (FAMM) does good work in the area of sentencing reform, with a particular emphasis on the fight against draconian mandatory minimum prison sentences in non-violent drug cases. This looks excellent and right up my ally. Have you had any experience working with the...
by Rupert
Mon Aug 29, 2016 3:47 pm
Forum: Personal Consumer Issues
Topic: Recommend a Prisoners' Rights Non-Profit?
Replies: 16
Views: 693

Re: Recommend a Prisoners' Rights Non-Profit?

Families Against Mandatory Minimums (FAMM) does good work in the area of sentencing reform, with a particular emphasis on the fight against draconian mandatory minimum prison sentences in non-violent drug cases.
by Rupert
Mon Aug 29, 2016 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have just a regular ol' Savings Account?
Replies: 19
Views: 1685

Re: Anyone have just a regular ol' Savings Account?

I only use one savings account and I would encourage others to do the same. The main reason being that I think having separate accounts encourages mental accounting which can often result in overspending. For example let's say you plan on purchasing a car a year from now so you conservatively set a...
by Rupert
Mon Aug 29, 2016 9:18 am
Forum: Personal Consumer Issues
Topic: T-Mobile New 'One' Plan
Replies: 23
Views: 2167

Re: T-Mobile New 'One' Plan

Of the big three companies, I have found T-Mobile to be the best to work with from a customer service perspective. Coverage is good in major metro areas and along interstate highways (usually) but terrible in rural areas, where I think Verizon is still king.
by Rupert
Fri Aug 26, 2016 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Can we get by without permanent life insurance?
Replies: 68
Views: 3596

Re: Can we get by without permanent life insurance?

Your BIL sells insurance. You're right. He's got a conflict of interest. That's really all you need to know.
by Rupert
Fri Aug 26, 2016 11:23 am
Forum: Personal Finance (Not Investing)
Topic: TERM Life Insurance Only On Breadwinner?
Replies: 16
Views: 863

Re: TERM Life Insurance Only On Breadwinner?

Who will care for the child if she dies? Will you have to pay someone to do so? Who will clean your house, do your grocery shopping, cook your meals, take your kid to the doctor, attend all future school functions involving your child, etc., if she dies? Will you have to pay someone or work less to ...
by Rupert
Fri Aug 26, 2016 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Hiring a Family Law / Divorce Attorney
Replies: 6
Views: 631

Re: Hiring a Family Law / Divorce Attorney

Just fyi: Most divorce attorneys are not going to give you a free initial consultation. Usually it's only lawyers who work on a contingency fee who do that (i.e., personal injury lawyers). So I wouldn't interview too many because that could get expensive. My take on divorce lawyers (of which I am no...
by Rupert
Fri Aug 26, 2016 8:20 am
Forum: Personal Consumer Issues
Topic: Question about employee development
Replies: 28
Views: 1269

Re: Question about employee development

Unfortunately, some people can't be taught to write well. So you may be completely wasting your time and his trying to train him. I would be irritated at the MBA program that graduated him. I would probably even write them a letter about it. I did that once to a law school that sent me a terrible in...
by Rupert
Thu Aug 25, 2016 8:21 am
Forum: Personal Consumer Issues
Topic: Qualifying for SS Disability
Replies: 16
Views: 1715

Re: Qualifying for SS Disability

Note that the date of disability is not necessarily the same as the date of diagnosis. If you experience symptoms prior to diagnosis that cause you to stop work or reduce your working hours, then the disability really began at that point. It's really important what the doctor says. The department th...
by Rupert
Wed Aug 24, 2016 11:43 am
Forum: Personal Consumer Issues
Topic: Dealing with insurance companies
Replies: 25
Views: 1002

Re: Dealing with insurance companies

You should be able to file a claim on your own collision policy and have your insurance company pursue the other guy through subrogation. The only downside to doing that is you have to pony up your deductibles when you get the car repaired and then wait for your insurance company to reimburse that ...
by Rupert
Wed Aug 24, 2016 11:40 am
Forum: Personal Consumer Issues
Topic: Car leases: not that expensive, after all, if you can't do maintenance yourself?
Replies: 23
Views: 1997

Re: Car leases: not that expensive, after all, if you can't do maintenance yourself?

BTW, the description of emergency isn't wrong if you have to closely watch it and continue to keep pouring fluid. You are providing emergency life support. Would losing between 1/8 and 1 quart of oil be an emergency if you could "keep pouring some fluid in there and monitor it closely for a lo...
by Rupert
Wed Aug 24, 2016 11:30 am
Forum: Personal Consumer Issues
Topic: Dealing with insurance companies
Replies: 25
Views: 1002

Re: Dealing with insurance companies

You should be able to file a claim on your own collision policy and have your insurance company pursue the other guy through subrogation. The only downside to doing that is you have to pony up your deductibles when you get the car repaired and then wait for your insurance company to reimburse that t...
by Rupert
Wed Aug 24, 2016 9:15 am
Forum: Personal Consumer Issues
Topic: Car leases: not that expensive, after all, if you can't do maintenance yourself?
Replies: 23
Views: 1997

Re: Car leases: not that expensive, after all, if you can't do maintenance yourself?

I drive a 13 year old car. Most times that I take my car to the dealership for service, I'm often told that part X is worn and needs replacing, part Y is broken, and part Z is about to break. This may or may not be true, but I have no way of knowing . Since I am not keen on the idea of some catastr...
by Rupert
Wed Aug 24, 2016 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Planning for Children
Replies: 32
Views: 2398

Re: Planning for Children

Getting life and disability insurance for someone who is already pregnant might be harder than before pregnancy. Having a baby is among the more risky things young women do. Of course, a huge share of the nonpregnant young women will later have kids, but the risks do peak during that time. I assume...
by Rupert
Tue Aug 23, 2016 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowner's insurance question
Replies: 23
Views: 1630

Re: Homeowner's insurance question

Sometimes an insurance company just decides it wants to get out of an area. They'll start dropping policies left and right for little things, or they'll drop all policies in an entire region. Maybe Traveler's had too many claims in OP's region last year.
by Rupert
Tue Aug 23, 2016 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for Children
Replies: 32
Views: 2398

Re: Planning for Children

Another thought I just had: Start shopping for daycare the moment you discover you're pregnant. Most good ones have waiting lists at least a year long in many areas.
by Rupert
Tue Aug 23, 2016 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for Children
Replies: 32
Views: 2398

Re: Planning for Children

You both need long-term disability and term life insurance. Buy the insurance before your wife gets pregnant because many insurance companies won't write new policies on pregnant women, and she may develop medical conditions during the pregnancy, e.g., gestational diabetes or pre-eclampsia, that cou...
by Rupert
Tue Aug 23, 2016 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Young man in a bind/car totalled/no insurance
Replies: 39
Views: 3771

Re: Young man in a bind/car totalled/no insurance

And from the friend who owns the bread company. Did he have insurance? Don't get your hopes up about this, especially since it sounds like he isn't a permanent employee. I totaled my new car travelling for Westinghouse and transporting company property that should have been shipped via commercial c...
by Rupert
Tue Aug 23, 2016 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowner's insurance question
Replies: 23
Views: 1630

Re: Homeowner's insurance question

Standard insurance companies, i.e., insurance companies licensed in your state, typically can't cancel an HO policy in the middle of a contract year, and they typically have to give you a specified amount of notice, 60 days in my state, if they decide not to renew your policy at the end of a contrac...
by Rupert
Mon Aug 22, 2016 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Tips for Term [determining term insurance needs]
Replies: 10
Views: 770

Re: Tips for Term [determining term insurance needs]

what did you mean by this sentence? "Are you aware of Social Security benefits for children approx. through h.s. and for caretaker parent until child is 16?" Those who pay into Social Security and have at least 40 quarters or ten years of payments are entitled to certain insurance benefit...
by Rupert
Mon Aug 22, 2016 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Definition of an "Estate"?
Replies: 17
Views: 1023

Re: Definition of an "Estate"?

She personally is not responsible for his debts but his estate is, i.e., the assets that he held at death become his estate and are subject to claims of his creditors before being distributed to his beneficiary, i.e., his wife. Gill +1. Note that certain jointly-owned property, such as a house your...
by Rupert
Sun Aug 21, 2016 3:59 pm
Forum: Personal Consumer Issues
Topic: Tips for a 1000 miles car trip with toddler and baby
Replies: 100
Views: 3723

Re: Tips for a 1000 miles car trip with toddler and baby

Whether you can do this totally depends on your kids and how they travel. One of mine once screamed for 4 straight hours in the car. 4 straight hours! :( We tried again a couple of years later and learned that she does best when we stop every 2 hours or so and let her run off some energy. We locate ...
by Rupert
Sun Aug 21, 2016 10:51 am
Forum: Personal Consumer Issues
Topic: Western vacation questions
Replies: 40
Views: 2252

Re: Western vacation questions

I'm planning a late spring 2017 trip to Yellowstone and Grand Teton right now. You don't want to fly into Denver. Jackson Hole should be your first choice but also check fares into Idaho Falls, Cody, Bozeman, and Billings. If those are prohibitively expensive for you (especially when the cost of ren...
by Rupert
Fri Aug 19, 2016 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance issues - Legal related
Replies: 18
Views: 755

Re: Health insurance issues - Legal related

You'll end up paying a lawyer more than $4000. I think you need to work within the insurance company. Have you followed their appeal procedures? It's usually outlined in your benefits booklet.
by Rupert
Fri Aug 19, 2016 4:42 pm
Forum: Personal Consumer Issues
Topic: Slightly Overwhelmed on Home Maintenance Issues
Replies: 45
Views: 4499

Re: Slightly Overwhelmed on Home Maintenance Issues

.....2. HVAC - Range on this is 10-20 years Your inspector's report should probably notate if this is the original unit. This will likely be one of your first repairs/replacements that will hit your wallet hard. Make sure to have the unit serviced biannually which will hopefully prolong the life of...
by Rupert
Fri Aug 19, 2016 11:30 am
Forum: Personal Consumer Issues
Topic: Instant oatmeal vs "regular" oatmeal
Replies: 51
Views: 3311

Re: Instant oatmeal vs "regular" oatmeal

Looks like I mistakenly picked up a cylinder of instant oatmeal instead of the "regular" oatmeal that I usually get (Quaker brand). I didn't think they packaged instant like that. Are you sure they aren't "quick"? There's a significant difference. Have you opened the package? If...
by Rupert
Fri Aug 19, 2016 11:06 am
Forum: Personal Consumer Issues
Topic: Instant oatmeal vs "regular" oatmeal
Replies: 51
Views: 3311

Re: Instant oatmeal vs "regular" oatmeal

I think they are not quite as "healthy" as regular, but are much better than say corn flakes. Some of them have added sugar and a few chemicals. I would go ahead and enjoy the box and pick up some steel cut next time. Have you tried the "refrigerator" option? http://healthyeatin...
by Rupert
Fri Aug 19, 2016 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house....
Replies: 19
Views: 1592

Re: Would you buy a house....

I would try to talk to the neighbors to see what it's really like to live there.
by Rupert
Fri Aug 19, 2016 9:10 am
Forum: Personal Consumer Issues
Topic: Slightly Overwhelmed on Home Maintenance Issues
Replies: 45
Views: 4499

Re: Slightly Overwhelmed on Home Maintenance Issues

Like everyone else, I don't maintain a separate home maintenance account. I just maintain a healthy emergency fund and expect to borrow from it from time to time to pay for large home maintenance items. I just cash flow the small stuff, such as AC filters and bi-annual HVAC service. I consider anyth...
by Rupert
Thu Aug 18, 2016 9:04 am
Forum: Personal Consumer Issues
Topic: Medical Billing Question - Hospital Discharge Instructions led to acetaminophen OD
Replies: 68
Views: 4460

Re: Medical Billing Question - Hospital Discharge Instructions led to acetaminophen OD

An anesthesiologist once knocked my child's tooth out during an ear surgery at a state university-affiliated hospital, which resulted in a hospital stay that had not been anticipated or pre-approved by my insurance company. What is it with teeth and anesthesiology? I've had two ops in the last year...
by Rupert
Wed Aug 17, 2016 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to fund down payment on second home.
Replies: 14
Views: 1523

Re: How to fund down payment on second home.

You could use a HELOC, but note that it will impact your debt-to-income ratio and hence the size mortgage you can get for the new house.
by Rupert
Wed Aug 17, 2016 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting whole estate in life
Replies: 77
Views: 4140

Re: Gifting whole estate in life

What if you die before your father, your wife remarries, and she and her new husband have different ideas for the money? +1 If the estate is considered to be a "family trust," have Jack set up a trust that accomplishes his / the family's wishes. There are just too many unknowable unknowns...
by Rupert
Wed Aug 17, 2016 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting whole estate in life
Replies: 77
Views: 4140

Re: Gifting whole estate in life

Mind if I ask why your father doesn't just do this the traditional and easy way, i.e., keep the money now and leave it to you in his will? What if you die before your father, your wife remarries, and she and her new husband have different ideas for the money?
by Rupert
Wed Aug 17, 2016 2:13 pm
Forum: Personal Consumer Issues
Topic: Medical Billing Question - Hospital Discharge Instructions led to acetaminophen OD
Replies: 68
Views: 4460

Re: Medical Billing Question - Hospital Discharge Instructions led to acetaminophen OD

What kind of hospital was it? Possibly if it's a university or state-owned hospital, you might have some luck negotiating with the hospital. An anesthesiologist once knocked my child's tooth out during an ear surgery at a state university-affiliated hospital, which resulted in a hospital stay that h...
by Rupert
Wed Aug 17, 2016 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Help - How to deposit a check without endorsement?
Replies: 37
Views: 3283

Re: Help - How to deposit a check without endorsement?

whodidntante wrote:I would probably have a trusted person forge my name, lol.


+1. I suspect this is how most people would handle it. Don't make it too complicated.
by Rupert
Wed Aug 17, 2016 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Should I get vision insurance?
Replies: 12
Views: 762

Re: Should I get vision insurance?

Do you have any vision benefits under your general health insurance? I would check that coverage before paying for separate vision coverage. My general health insurance will, for example, pay up to $75 per person per calendar year for eye exams and refraction. They pay nothing for eyeglasses for me ...
by Rupert
Tue Aug 16, 2016 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Drivers License # for health records?
Replies: 18
Views: 1426

Re: Drivers License # for health records?

If you can suggest a better way for them to verify they have the correct person, I'm sure they will listen. How is a photocopy of a driver's license going to help them verify anything? #photoshop Not everyone has a driver's license. But everyone, pretty much, has a SS# and, rightly or wrongly, that...
by Rupert
Mon Aug 15, 2016 10:13 am
Forum: Personal Finance (Not Investing)
Topic: buying used car smarter than buying new?
Replies: 89
Views: 4573

Re: buying used car smarter than buying new?

The make and model of the car matters. I have found that you don't save much by buying a gently used Honda or Toyota. You can get great deals, however, on used, less popular cars. It also matters how long you keep a car. Buying new makes more sense if you're the kind of person who keeps cars ten yea...
by Rupert
Fri Aug 12, 2016 4:39 pm
Forum: Personal Consumer Issues
Topic: Vacuum Cleaners?
Replies: 25
Views: 1252

Re: Vacuum Cleaners?

happyisland wrote:
Rupert wrote:I love my Miele Polaris. It's hard to beat that German engineering. Of course, German engineering = high price.


If it's a diesel you might want to get its tailpipe emissions checked... :D


Ha! I guess it's a good thing I started buying 3M HEPA filters for the thing, rather than the Miele ones.
by Rupert
Fri Aug 12, 2016 4:28 pm
Forum: Personal Consumer Issues
Topic: Vacuum Cleaners?
Replies: 25
Views: 1252

Re: Vacuum Cleaners?

I love my Miele Polaris. It's hard to beat that German engineering. Of course, German engineering = high price.
by Rupert
Fri Aug 12, 2016 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Drivers License # for health records?
Replies: 18
Views: 1426

Re: Drivers License # for health records?

SSN is just needed so they can report you to collections. http://www.consumerreports.org/cro/news/2015/02/why-you-shouldn-t-giver-your-doctor-or-hospital-your-social-security-number/index.htm Only give SSN to your insurer. Don't give anything you want kept private to a care provider. I would consid...
by Rupert
Thu Aug 11, 2016 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Does playing in WNBA make fiscal sense
Replies: 41
Views: 2178

Re: Does playing in WNBA make fiscal sense

As a former D1 athlete (football) and someone who worked in two other major college athletic departments, two very basic reasons: people want to win (and UCONN is utterly dominant in women's basketball) and the HUGE majority of D1 athletes really couldn't care about the future past the possibility ...
by Rupert
Wed Aug 10, 2016 4:07 pm
Forum: Personal Consumer Issues
Topic: Solo Travel
Replies: 40
Views: 3579

Re: Solo Travel

Careful, you might find yourself.
by Rupert
Wed Aug 10, 2016 1:20 pm
Forum: Investing - Theory, News & General
Topic: Update: Emory & Columbia; New Fiduciary cases: 403b's at MIT Yale NYU & Duke Hopkins Penn Vanderbilt
Replies: 59
Views: 4601

Re: New Fiduciary cases, about 403b's at MIT, Yale, & NYU

I personally don't like this at all, assuming that they did offer index funds with ER's below 0.10. This smacks of a law firm finding some cash cows - ones who don't want bad press - to sue and hoping to settle. I think it is sad... Who cares if Fidelity and MIT offered up 370 funds and some of the...
by Rupert
Wed Aug 10, 2016 11:39 am
Forum: Personal Consumer Issues
Topic: Property tax increase: Worth appealing? DYI or use attorney?
Replies: 42
Views: 2393

Re: Property tax increase: Worth appealing? DYI or use attorney?

In my jurisdiction, it's hard to win appeals without a recent appraisal to support your claim. I appealed successfully one time using an appraisal that was done in connection with a mortgage refi. I wouldn't use an attorney because here you just fill out a form and mail it in with your evidence, pr...
by Rupert
Wed Aug 10, 2016 10:33 am
Forum: Personal Consumer Issues
Topic: Property tax increase: Worth appealing? DYI or use attorney?
Replies: 42
Views: 2393

Re: Property tax increase: Worth appealing? DYI or use attorney?

In my jurisdiction, it's hard to win appeals without a recent appraisal to support your claim. I appealed successfully one time using an appraisal that was done in connection with a mortgage refi. I wouldn't use an attorney because here you just fill out a form and mail it in with your evidence, pre...
by Rupert
Tue Aug 09, 2016 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance for 31 year-old
Replies: 20
Views: 1515

Re: Life insurance for 31 year-old

Under no circumstances should you buy a whole life policy. Read the 1000+ threads on Bogleheads about whole life if you want more details as to why. You want a 20 or 30-year level term policy. Typically, 10-15x income is recommended unless special circumstances are present. Think seriously about whe...
by Rupert
Tue Aug 09, 2016 11:23 am
Forum: Personal Consumer Issues
Topic: How dangerous is Kids Gymnastics?
Replies: 38
Views: 2761

Re: How dangerous is Kids Gymnastics?

We only allowed our boys to participate in football, basketball and baseball. I'd rather my son break a leg than have life long neurologic problems brought on by constant head injuries sustained in football. Back to OP - There is danger in all sports and all life. If he enjoys it, I would let him c...
by Rupert
Tue Aug 09, 2016 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Will realtor advise on needed improvements for home sale?
Replies: 38
Views: 1974

Re: Will realtor advise on needed improvements for home sale?

Why make things harder for yourself and your mother than they need to be? Just empty it (there are estate sale companies that will do that for you), list it for sale as a fixer upper, and price it accordingly.

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