Search found 1786 matches

by Rupert
Fri Mar 24, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: Help Overcoming a Lead Paint Phobia
Replies: 28
Views: 1547

Re: Help Overcoming a Lead Paint Phobia

Thank you everyone for your replies. It's been very helpful to see how people approach this issue without the emotional overlay that we carry. Part of the problem is that we had not really given a thought to lead in past apartment searches, so when the issue came in one of the first places we looke...
by Rupert
Fri Mar 24, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Indoor plants that smell nice
Replies: 2
Views: 230

Re: Indoor plants that smell nice

You can grow lemon balm indoors, but it needs lots of direct sunlight (5+ hours a day).
by Rupert
Fri Mar 24, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 77
Views: 7336

Re: So someone drained $13k from my checking account...

The only direct withdrawals and deposits to the account are from paychecks, utilities, credit card companies, ACH links to other financial institutions, and the (very) occasional check. Was one of those institutions compromised? I haven't received any notices. Did someone get an old check? Puzzling...
by Rupert
Fri Mar 24, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Help Overcoming a Lead Paint Phobia
Replies: 28
Views: 1547

Re: Help Overcoming a Lead Paint Phobia

Lead can also be a problem in the water due to the solder on BRAND NEW pipes for the first few years too, FYI +1. I recall reading a story about the Baltimore public school system's lead problems recently. One comment by the superintendent stood out: The schools that tested highest for lead were no...
by Rupert
Fri Mar 24, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Help Overcoming a Lead Paint Phobia
Replies: 28
Views: 1547

Re: Help Overcoming a Lead Paint Phobia

So my kids have been raised in a 1920s era house and have tested fine. A colleague of mine, who is a really obnoxious worrier who used to constantly question my judgment for raising my kids in a 1920s era house with possible lead paint present, had two of his kids, who are being raised in a 1990s er...
by Rupert
Thu Mar 23, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 215
Views: 15925

Re: gratuitous homeownership items

I don't think we're using the term alarm in the same manner. Most of us that have alarms have the type that make very little noise or our properties are large enough that nobody outside the home passing by could hear them anyway. What they do is give my family time to prepare for an incident/attack...
by Rupert
Wed Mar 22, 2017 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on my roth IRA
Replies: 6
Views: 349

Re: Need advice on my roth IRA

I just re-read my prior answer and wanted to make a correction. I said hold bonds in tax-deferred accounts. Well, of course a Roth IRA is a tax-deferred account. :oops: What I meant to say was hold bonds in a non-Roth tax-deferred account, such as your 401k. Better to hold investments with high grow...
by Rupert
Wed Mar 22, 2017 1:55 pm
Forum: Personal Consumer Issues
Topic: Purchasing a 2017 Hyundai Sonata Sport 2.0T
Replies: 16
Views: 1146

Re: Purchasing a 2017 Hyundai Sonata Sport 2.0T

I rented one recently. Drove it for two days on the highway and in a large city. It was just okay. I didn't like the stereo controls. I also thought the visibility was bad through the rear window and didn't care for the oddly-shaped side mirrors, which are sort of diamond-shaped as opposed to the no...
by Rupert
Tue Mar 21, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Any downside in buying a brand new house ?
Replies: 71
Views: 4502

Re: Any downside in buying a brand new house ?

I bought a new home in 2015. I'm a little lost on the poor quality comments on new versus old. Weren't old homes new at one time? Did they cut less corners 100 years ago? Even if they did, do people really expect quality components in a 100 year old home in aggregate would be better than a new home...
by Rupert
Tue Mar 21, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Winter Travel
Replies: 29
Views: 1855

Re: Winter Travel

The weather in New Orleans in December is very unpredictable. It might be sunny and 80 degrees or very wet and 20 degrees. Strong storm systems with tornadoes tend to blow through in the latter half of the month. October/November and March/April/May have more predictable and tolerable weather on the...
by Rupert
Tue Mar 21, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Child Planning Checklist
Replies: 13
Views: 608

Re: Child Planning Checklist

1. Health insurance. Make sure everything is in order for the birth, adding junior to the policy after birth, etc. 2. Living wills for each of you, but particularly mom right now. The delivery hospital should ask for a copy of mom's before the birth. 3. Wills for each of you. The sooner the better. ...
by Rupert
Tue Mar 21, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 215
Views: 15925

Re: gratuitous homeownership items

I don't think we're using the term alarm in the same manner. Most of us that have alarms have the type that make very little noise or our properties are large enough that nobody outside the home passing by could hear them anyway. What they do is give my family time to prepare for an incident/attack...
by Rupert
Tue Mar 21, 2017 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Horrible 401K Fund Choices--Direct transfer to IRA questions
Replies: 7
Views: 382

Re: Horrible 401K Fund Choices--Direct transfer to IRA questions

I have a question for a friend again, but it may be of interest for the group. My friend is starting with a new company and his 401K fund choices are abysmal!!!! His company uses Principal Financial group to manage their 401K program. The Principal Group has a good selection of funds, until your lo...
by Rupert
Tue Mar 21, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Legal Issue: What kind of lawyer (or do I not need one yet)?
Replies: 41
Views: 3396

Re: Legal Issue: What kind of lawyer (or do I not need one yet)?

Just fyi, referrals from local bar associations typically come from a rotating list. Every attorney who is a member of the local bar can put their name on the list, and when someone calls for a referral, the person gets referred to the next attorney on the list who handles that sort of case. This is...
by Rupert
Tue Mar 21, 2017 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Malpractice Asset Protection
Replies: 18
Views: 1047

Re: Malpractice Asset Protection

Best protection against medmal claims = "I'm sorry."
by Rupert
Tue Mar 21, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 215
Views: 15925

Re: gratuitous homeownership items

Clever_Username wrote:
seychellois_lib wrote:Bathtubs - but RE agents tell me I have to keep one. I would like to have zero.


What's the deal with this anyhow? I keep hearing it. Is it related to resale value that there's at least one "full" bathroom?


You don't have kids, do you?
by Rupert
Tue Mar 21, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Any downside in buying a brand new house ?
Replies: 71
Views: 4502

Re: Any downside in buying a brand new house ?

We were first time home buyers and didn't have a lot of expectations. We didn't think we had a warranty - but did find out later that he would have had to provide one if he hadn't lived in it for 1 year. We did think we were buying a "new" house direct from the builder - in that naive fir...
by Rupert
Tue Mar 21, 2017 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Does underperformance ever constitute breach of fiduciary duty?
Replies: 2
Views: 433

Re: Does underperformance ever constitute breach of fiduciary duty?

The outcome of any lawsuit against a fiduciary in these circumstances would likely depend on contractual language, i.e., what does the agreement with the fiduciary say about choosing investments, monitoring investment performance over time, recommending fund changes, etc.? For example, my company ad...
by Rupert
Tue Mar 21, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Legal Issue: What kind of lawyer (or do I not need one yet)?
Replies: 41
Views: 3396

Re: Legal Issue: What kind of lawyer (or do I not need one yet)?

Please don't use Google to find a lawyer. As others have said, go back to your previous attorney. Otherwise, you're going to have to pay the new attorney to get up to speed in the case, which will, at a minimum, involve reading the pleadings, etc., from the prior case. That's gonna cost you.
by Rupert
Tue Mar 21, 2017 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Any downside in buying a brand new house ?
Replies: 71
Views: 4502

Re: Any downside in buying a brand new house ?

Homes of any age can have problems. BUt I have to mention that in my 200 year old antique, I have more problems fixing bad workmanship of recent renovations than I do with the original hand made build quality of the house. An old house has a lot of other "issues" however that have nothing...
by Rupert
Mon Mar 20, 2017 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on my roth IRA
Replies: 6
Views: 349

Re: Need advice on my roth IRA

So you're making your 2016 and 2017 contributions at the same time, or you're married and making the investment for you and your spouse? I'm trying to work out how you're getting to $11,000, as that would affect my answer. Assuming you're making 2016 and 2017 contributions at once, I'd just put the ...
by Rupert
Mon Mar 20, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Any downside in buying a brand new house ?
Replies: 71
Views: 4502

Re: Any downside in buying a brand new house ?

It's clear from these comments that your friend should rent in the new location, that buying a house will ruin his life. :D But seriously, since he's never owned a home before and is not from this country, I would rent for a while in the new location and talk to some people who have bought new-build...
by Rupert
Mon Mar 20, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 10664

Re: Paying $20 to E-File State Return

I pay. I want tax paying to be done , finished, buttoned up. If this is the worst way I spend money, then I am happy. +1. I routinely spend $20 on dinner. E-filing through Turbotax or one of its competitors saves me a lot of time. That's at least worth the price of one dinner. Sometimes the things ...
by Rupert
Mon Mar 20, 2017 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Getting company to change 401k custodian
Replies: 15
Views: 681

Re: Getting company to change 401k custodian

Are you sure the custodian is the problem? There are usually three entities (well, four if you count the employer) involved in running a 401k: the custodian (who just holds the money), the administrator (who does most of the paperwork), and the adviser (who helps the employer choose and monitor the ...
by Rupert
Mon Mar 20, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 215
Views: 15925

Re: gratuitous homeownership items

We don't squeegee the glass door because that's what the maids do. The repeated mentioning of glass shower doors confuses me. We have had glass shower doors in all of our bathrooms for the past 8 years (2 condos and now a house). We have never squeegeed anything. The cleaners clean them when they c...
by Rupert
Mon Mar 20, 2017 8:08 am
Forum: Personal Consumer Issues
Topic: Best way to expand my vocabulary?
Replies: 79
Views: 3200

Re: Best way to expand my vocabulary?

Sometimes people who use big words in an attempt to sound smarter actually end up sounding pompous and ridiculous. So be careful with that. The best writers and speakers use the simplest words to get their points across. It's how they string them together that matters. That said, I love interesting,...
by Rupert
Sun Mar 19, 2017 8:20 am
Forum: Personal Finance (Not Investing)
Topic: need for under/uninsured car insurance with adequate medical ins?
Replies: 10
Views: 483

Re: need for under/uninsured car insurance with adequate medical ins?

OP, you may find it helpful to research the difference between uninsured motorist coverage and PIP.
by Rupert
Fri Mar 17, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: (Updated Again- Happy Ending) Issue With Contractor. What to do?
Replies: 53
Views: 4701

Re: (Updated)Issue With Contractor. What to do?

OP, I'm sorry this happened to you. But at least you've learned a valuable lesson about working with contractors. In my experience, the reputable contractors will insist on a written contract before beginning work because they know that the contract protects them as much as you. Good luck to you.
by Rupert
Fri Mar 17, 2017 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Norman Rockwell Plates.....who to go to
Replies: 33
Views: 2426

Re: Norman Rockwell Plates.....who to go to

Have a big party in your uncle's honor. Drink and be merry. And then take turns smashing the plates on the hardest surface you can find. Driveways or brick/concrete patios work great. Rid the world of just a little bit of its junk. Seriously, no one wants this stuff.
by Rupert
Thu Mar 16, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Quiet Bedroom overhead fan
Replies: 25
Views: 1393

Re: Quiet Bedroom overhead fan

Your fans are out of balance. Easy fix. See this: https://www.familyhandyman.com/electric ... n/view-all
by Rupert
Thu Mar 16, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: 403B or Roth IRA?
Replies: 21
Views: 787

Re: 403B or Roth IRA?

You'll have a much wider selection of funds by investing in a Roth IRA. Also, depending on the selection of funds for your 403b, you may not have many (if any) affordable funds to invest in. Yep, when I said the rule of thumb may or may not apply to you, I was referring to this. Many school-sponsor...
by Rupert
Thu Mar 16, 2017 11:31 am
Forum: Investing - Help with Personal Investments
Topic: 403B or Roth IRA?
Replies: 21
Views: 787

Re: 403B or Roth IRA?

The rule of thumb, which may or may not apply to you, is to contribute to 401k or 403b before Roth if you're in the 25% (or above) tax bracket to reduce taxable income.
by Rupert
Thu Mar 16, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: College Savings Outside 529 Plan
Replies: 15
Views: 669

Re: College Savings Outside 529 Plan

My opinion is that the taxable account should be 100% equities because they are the most tax efficient. You will be able to tax-loss harvest losses AND if you like, you will be able to gift appreciated shares to your children who can sell and not pay taxes on the gains if it is done properly. I thi...
by Rupert
Thu Mar 16, 2017 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard for Short Term (3-5 yrs) Savings?
Replies: 12
Views: 973

Re: Vanguard for Short Term (3-5 yrs) Savings?

With a 3-5 year time horizon, I wouldn't recommend anything riskier than a short-term bond fund, such as Vanguard's VBISX or VFSTX. CDs, IBonds, or an on-line savings account would also work.
by Rupert
Thu Mar 16, 2017 9:26 am
Forum: Investing - Help with Personal Investments
Topic: I can't contribute to my 401(k) due to "safe harbor" rules
Replies: 15
Views: 1667

Re: I can't contribute to my 401(k) due to "safe harbor" rules

If they have high turnover, they may not want to make immediately-vested matching contributions for short-term employees. Employers who make you wait a year to contribute to the plan usually have a very high employee turnover rate. They're trying to avoid having a lot of accounts with small balance...
by Rupert
Wed Mar 15, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: (Updated Again- Happy Ending) Issue With Contractor. What to do?
Replies: 53
Views: 4701

Re: Issue With Contractor. What to do?

Yeah, this guy is a chuckle-head if he thinks it's ok to have rooms without heat. I thought the same thing. OP, I'm afraid you're either dealing with a guy who is an idiot or a guy who thinks you're an idiot. Either way, don't let him get away with this. There's no way he (or someone working for hi...
by Rupert
Wed Mar 15, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Sewer pipe breakage
Replies: 8
Views: 893

Re: Sewer pipe breakage

Why do you need neighbor B's permission if there's an easement?
by Rupert
Wed Mar 15, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: Ins. Company recommendations (any to avoid?)
Replies: 8
Views: 677

Re: Ins. Company recommendations (any to avoid?)

Did you look far enough to see that Haven is not an insurance company but a wholly owned subsidiary of Mass Mutual Financial Group? I have no idea if this is a good approach to buying life insurance, but it would seem clear that what you are buying is coverage from Mass Mutual in some form or anoth...
by Rupert
Wed Mar 15, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: Time Saving Tactics: Kids Edition
Replies: 57
Views: 3370

Re: Time Saving Tactics: Kids Edition

The "osmosis" bath. Put 1 year old and 3 year old in tub while you shower. They get clean by osmosis (i.e., shampoo and extra soap falling off you) and they enjoy playing with an old plastic cup and washcloth. Ha. I employ a similar technique to clean the shower. Sprinkle some powdered cl...
by Rupert
Wed Mar 15, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 215
Views: 15925

Re: gratuitous homeownership items

Also is a guest room gratuitous? That's one of the things I really want. If it is only used a couple times a year, I would consider it gratuitous. I got around this by turning a non-conforming bedroom into an office with a murphy bed that folds down for those couple times a year we have guests. Thi...
by Rupert
Tue Mar 14, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: Can collectors hold on reporting to the 3 bureaus?!
Replies: 7
Views: 410

Re: Can collectors hold on reporting to the 3 bureaus?!

Why not advise your friend to check their credit report to see for themselves. How much it takes till it appears in the report? I think it is not an instant thing.. Why wouldn't it be an instant thing? When they receive the information, it goes on your report. Otherwise their credit-reporting servi...
by Rupert
Tue Mar 14, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: When should you replace a vehicle?
Replies: 52
Views: 3821

Re: When should you replace a vehicle?

We are a two-car family, and our goal is to keep cars about 10 years and purchase a new (or new to us) car every 5 years. So our family always has one newish (5 years old or less) and one oldish (between 5 and 10 years old) car at all times. This pretty much insures that we won't find ourselves in t...
by Rupert
Tue Mar 14, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 215
Views: 15925

Re: gratuitous homeownership items

My insurance company requires proof annually that the alarm system is actively monitored by a central monitoring service. No discount without proof. Is the discount and savings high enough to pay for the central monitoring service? No, it doesn't cover the cost of the service. So you wouldn't inves...
by Rupert
Tue Mar 14, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: Ins. Company recommendations (any to avoid?)
Replies: 8
Views: 677

Re: Ins. Company recommendations (any to avoid?)

Use an independent broker. The insurance companies aren't going to quote you a final price until they have your medical information, which they won't have until after you've applied and had your medical exam. A good independent broker will, given the medical information and family medical history yo...
by Rupert
Tue Mar 14, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 215
Views: 15925

Re: gratuitous homeownership items

I'm surprised by how many people think alarm systems are gratuitous. We use ours every night, and my wife loves the peace of mind especially when I'm out of town. Plus we get a cheaper rate on homeowner's insurance as a little additional bonus. I think one can get a cheaper rate if they have an ala...
by Rupert
Mon Mar 13, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: How many pairs of jeans do you own?
Replies: 64
Views: 3528

Re: How many pairs of jeans do you own?

I am a [cheap --admin LadyGeek] minimalist who works from home. I think I have about 3 pair of jeans, a couple pair of lounge pants, a couple pair of shorts, 10-15 shirts, no underwear, no socks, and one pair of shoes. You could probably go with fewer pants if you owned underwear. That would be the...
by Rupert
Mon Mar 13, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: Booster seat: Highback or no back for 7.5 year old?
Replies: 8
Views: 519

Re: Booster seat: Highback or no back for 7.5 year old?

at 7.5 I might be a little embarrassed to be in a high back. Have you asked him? +1. My 7.5-year-olds are absolutely mortified that I still make them ride in highback boosters. One of my kids is big enough to go backless but the other isn't; so I make them both use them. I am impervious to their mo...
by Rupert
Mon Mar 13, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Getting Term Life Insurance - Plus or Basic? (Ohio National)
Replies: 12
Views: 521

Re: Getting Term Life Insurance - Plus or Basic? (Ohio National)

Do you have a need for permanent insurance? Typically only two classes of people arguably do: (1) People with a disabled dependent who is expected to survive them and (2) people who own a farm or business that they would like to pass to their heirs and who would like to provide the heirs a means of ...
by Rupert
Mon Mar 13, 2017 10:05 am
Forum: Investing - Help with Personal Investments
Topic: y 401k plan was completely overhauled - and I don't like it
Replies: 18
Views: 1823

Re: y 401k plan was completely overhauled - and I don't like it

Check out this . It is as of end of 2015, but page 10 shows AA for their target date funds. Yup, so the plot thickens a bit. Aon Hewitt puts the target funds together, using underlying funds from SSgA. Why in the world there are so many parties in involved (VG as plan admin, Aon Hewitt as target fu...
by Rupert
Mon Mar 13, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: How many pairs of jeans do you own?
Replies: 64
Views: 3528

Re: How many pairs of jeans do you own?

I doubt most people count their clothes. Did you just read that Marie Kondo book? I used to keep clothes until they got too worn or stained or I ran out of room to store them. Then I purged. Now I have an in/out rule, i.e., if I buy a new article of clothing, I have to get rid of an old article of c...

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