Search found 2016 matches

by Rupert
Fri Jun 23, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Scenario
Replies: 7
Views: 537

Re: Auto Insurance Scenario

Seems to me the simplest thing to do would be for your fiancee to stop driving her parent's car and start driving her own car (or the parent's car legally transferred to her) or one of your cars.
by Rupert
Fri Jun 23, 2017 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Got rear-ended: any reason not to go through my ins?
Replies: 17
Views: 840

Re: Got rear-ended: any reason not to go through my ins?

I was rear-ended yesterday, other driver got a citation/ticket, I got nothing. I believe she will try to fight it based on her comments "he cut me off without signaling". Is there any reason not to go through my insurance company? I have heard that my rates can go up if I go through my ow...
by Rupert
Fri Jun 23, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Trusts for minors? Responsible life insurance spending
Replies: 4
Views: 224

Re: Trusts for minors? Responsible life insurance spending

Instead of trying to set restrictions, you should give consideration to the appropriate selection of trustees. You don't know what the future will bring. And +1000 on this. Choose good people to serve as guardians and trustees and trust them (and give them the flexibility) to make the right choices...
by Rupert
Fri Jun 23, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Trusts for minors? Responsible life insurance spending
Replies: 4
Views: 224

Re: Trusts for minors? Responsible life insurance spending

It's fairly common to designate separate guardians and trustees because the person best suited to emotionally and physically care for your children is not always the person best suited to handle your children's finances.
by Rupert
Wed Jun 21, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: LG washer and dryer "NFC tag on" feature
Replies: 30
Views: 1237

Re: LG washer and dryer "NFC tag on" feature

I would start with the store where they were purchased. You got me curious though. Why would I want to connect my phone to a washer and dryer? +1. Why in the world would you need your smartphone to talk to your washing machine? Sounds like technology for technology's sake to me. I'd call the store ...
by Rupert
Wed Jun 21, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: LG washer and dryer "NFC tag on" feature
Replies: 30
Views: 1237

Re: LG washer and dryer "NFC tag on" feature

I would start with the store where they were purchased. You got me curious though. Why would I want to connect my phone to a washer and dryer? +1. Why in the world would you need your smartphone to talk to your washing machine? Sounds like technology for technology's sake to me. I'd call the store ...
by Rupert
Wed Jun 21, 2017 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: What does it mean when people say certain funds are tax inefficient?
Replies: 18
Views: 1479

Re: What does it mean when people say certain funds are tax inefficient?

As a rule, bonds are tax inefficient for the reasons the prior poster said. You wouldn't typically want to hold the bond component of your retirement savings in a taxable account. But for short-term savings, e.g., new car fund, or as a component of your emergency fund, it's fine to hold them in taxa...
by Rupert
Wed Jun 21, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Full comprehensive or liability only?
Replies: 29
Views: 1949

Re: Full comprehensive or liability only?

Thank you, LadyGeek. It feels good to be part of the forum. I appreciate all of your posts. You are right it is the job of the insurance company to defend you but only if you have comprehensive coverage, at least in California. Since I cancelled that coverage, I was no longer paying my insurance co...
by Rupert
Sat Jun 10, 2017 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Employer changing retirement "Record Keeper?"
Replies: 7
Views: 731

Re: Employer changing retirement "Record Keeper?"

You've gotten good explanations. That link above is particularly good. Just wanted to add more broadly that "plan provider," which is a term you used in your question, is a term that can mean many things. 401k plans can be bundled or unbundled (sometimes called an "open architecture p...
by Rupert
Fri Jun 09, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with new health insurance?
Replies: 9
Views: 550

Re: What to do with new health insurance?

I'd go with the PPO in any year you're actively trying to conceive a child. Ideally, you don't want to switch health plans during the middle of a pregnancy. Even if it's not considered a pre-existing condition and is thus uncovered by the new plan, you'll end up having to pay the deductible for obgy...
by Rupert
Fri Jun 09, 2017 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Current 401k with Huge Fees, Anything I can do?
Replies: 20
Views: 1062

Re: Current 401k with Huge Fees, Anything I can do?

Thank you everyone for your suggestions. I've been putting some things together to build a business case to lobby upper management to see if we can make a change. Hopefully I can get some traction. :beer At this point, having a crappy 401k is a legal liability for the company. If your boss doesn't ...
by Rupert
Fri Jun 09, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Handshake Deal for Home Purchase
Replies: 13
Views: 1963

Re: Handshake Deal for Home Purchase

Google "statute of frauds."
by Rupert
Fri Jun 09, 2017 6:53 am
Forum: Personal Consumer Issues
Topic: Camper rental, by owner
Replies: 6
Views: 675

Re: Camper rental, by owner

Curious whether your regular auto insurance would cover such a rental. Does anyone know?
by Rupert
Thu Jun 08, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance advice when leaving a job
Replies: 8
Views: 879

Re: Health insurance advice when leaving a job

OP, I might be stating the obvious. Are you moving into Florida from some other states? If yes, does your existing COBRA coverage includes medical facilities in Florida? KlangFool This is an extremely good point. You might end up paying out-of-network prices under Cobra or have no coverage at all i...
by Rupert
Thu Jun 08, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance advice when leaving a job
Replies: 8
Views: 879

Re: Health insurance advice when leaving a job

Stick with Cobra through the end of the year, and then buy a policy on Florida's ACA exchange for 2018. Be careful not to miss the ACA open enrollment period. Even if the Senate manages to write and pass an ACA repeal bill this year, it'll likely be 2019 before anything is implemented because of the...
by Rupert
Wed Jun 07, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Installing Fencing to keep predators away from chickens?
Replies: 26
Views: 1678

Re: Installing Fencing to keep predators away from chickens?

Add guinea fowl to your flock. Note that I recommend this only because you live in the country. For all you backyard chicken coopers reading this, don't buy guinea fowl unless you want to be murdered by your neighbors.
by Rupert
Wed Jun 07, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Suit for [medical] residency interviews
Replies: 57
Views: 3158

Re: Suit for residency interviews

It seems the assumption is that the original poster (OP) is a man. Would the answers be different if the OP was a woman? No. No with respect to the advice to buy a conservative blue or charcoal suit. Yes with respect to getting the suit tailored. Most department stores don't offer tailoring for wom...
by Rupert
Wed Jun 07, 2017 8:43 am
Forum: Personal Consumer Issues
Topic: My Wife is having our 5th child. What is an appropriately extravagant push gift?
Replies: 90
Views: 6851

Re: My Wife is having our 5th child. What is an appropriately extravagant push gift?

Can we please just stop using the term "push gift"? It's cringe-worthy. That's what inspired the aggressive responses. If you want to give her a gift, fine.
by Rupert
Tue Jun 06, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Home siding thoughts
Replies: 32
Views: 2749

Re: Home siding thoughts

In the southeast, we see a lot of vinyl siding...and yes, the quality is across the board depending on the price points. I hate to say, but your best choice is to google vinyl siding, find some manufacturers and then look for distributors in your area who stock it or can order it. For example Certa...
by Rupert
Tue Jun 06, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: Favorite Thriller Authors and Why
Replies: 54
Views: 5673

Re: Favorite Thriller Authors and Why

I recognize many, but not all, of the authors mentioned. I am going to suggest Stephen King's "Bill Hodges" trilogy: Mr. Mercedes, Finders Keepers and End of Watch. I read the middle book first and absolutely loved it, and am now nearing the end of the first book. I can't vouch for the th...
by Rupert
Tue Jun 06, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 43
Views: 2861

Re: Gas station prices and quality

My next-door neighbor works for our regional fuel distributor, and she has explained the local distribution network to me. I live on the Gulf of Mexico, and nearly all gas sold in my region begins its life as a Shell product. Doesn't matter if you buy it at a BP, Shell, or Chevron station -- it's al...
by Rupert
Mon Jun 05, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Employer life insurance versus personal life insurance
Replies: 16
Views: 963

Re: Employer life insurance versus personal life insurance

You'd be nuts to drop your private policy for the employer policy.
by Rupert
Mon Jun 05, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Hire a lawyer to file for SSD?
Replies: 13
Views: 1050

Re: Hire a lawyer to file for SSD?

Testing321, My insurance company was strongly recommending I file for SSD, now it makes sense, they wanted me off their disability payroll. I just wanted to get my life back to as normal as possible, I really got a bad feeling about depending on SS to take care of me financially. This is starting t...
by Rupert
Mon Jun 05, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: Favorite Thriller Authors and Why
Replies: 54
Views: 5673

Re: Favorite Thriller Authors and Why

Denise Mina - Scottish police detective/thrillers including the Garnethill series, the Patty Meehan series, and the Alex Morrow books Kate Atkinson - the Jackson Brodie British detective series JK Rowling writing as Robert Galbraith - the Cormoran Strike British detective series Louise Penny - Canad...
by Rupert
Sun Jun 04, 2017 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Any Reasons I shouldn't switch 529 plan
Replies: 7
Views: 607

Re: Any Reasons I shouldn't switch 529 plan

Don't know if NJ does this, but some states tax distributions from out-of-state 529s. My state does, for example. I still use an out-of-state plan but will roll funds into the in-state plan before taking distributions to avoid paying state income tax on those distributions.
by Rupert
Fri Jun 02, 2017 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Is there a way on earth to reduce SS taxes?
Replies: 54
Views: 4500

Re: Is there a way on earth to reduce SS taxes?

Aside from getting a job with an employer exempt from social security taxes, see http://www.investopedia.com/ask/answers ... -taxes.asp, no.
by Rupert
Tue May 30, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: How best to care for someone who frequently falls
Replies: 32
Views: 2556

Re: How best to care for someone who frequently falls

Has their home been modified to incorporate universal design principles, e.g., grab bars in appropriate places, doors widened, ramps installed, etc? You could try that first. Aside from that, assisted living is probably your only option. It's really tough when large men get into this situation. Most...
by Rupert
Tue May 30, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: How do I transfer property from mother-in-law to wife and I?
Replies: 21
Views: 1768

Re: How do I transfer property from mother-in-law to wife and I?

OP posting... Rupert, I looked it up, but am still a bit ignorant on stepped up tax basis. Wouldn't stepped up tax basis be an issue whether or not mother in law transferred property to us now or upon her death? The compelling reason to have the deed transferred (if that is the way to do it) to us ...
by Rupert
Mon May 29, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: "Security freeze" to prevent credit fraud
Replies: 24
Views: 2618

Re: "Security freeze" to prevent credit fraud

I know this is a 5 year old thread, but hoping to get some advice. Someone cloned my credit card (so much for chips) and I reported it to the credit card company and the police. I now want to put a Security Freeze on my account. What bothers me is that when I contacted Experian (you need to contact...
by Rupert
Mon May 29, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: Retiring in southern college town
Replies: 78
Views: 5576

Re: Retiring in southern college town

As I was driving through the area, I noticed something else uncommon to my experience - lots of neighborhood streets without curbs and drains - instead - paved to the edge of the dirt, next to ditches. And the significance of that is??? Low taxes = poor infrastructure. If the city/county can't affo...
by Rupert
Mon May 29, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: House Shopping: Some Doors Open/Close Poorly, Foundation Problem?
Replies: 22
Views: 1794

Re: House Shopping: Some Doors Open/Close Poorly, Foundation Problem?

If you like the house and price, I wouldn't put too much stock into what a realtor says at this moment. (Although I'm surprised it's the sellers agent... is that right?! Why the heck would they say that if they didn't already have a report? That's not serving their client's best interests. if they ...
by Rupert
Mon May 29, 2017 7:36 am
Forum: Personal Consumer Issues
Topic: Retiring in southern college town
Replies: 78
Views: 5576

Re: Retiring in southern college town

I'm scratching my head trying to think of a true college town on the coast in the South where you could get "solid healthcare." Just because there's a university -- even a topnotch university -- in a town doesn't mean you can get good healthcare there. For example, neither Auburn nor the U...
by Rupert
Sat May 27, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: Recommendations for moisturizing lotions that don't feel greasy
Replies: 37
Views: 2904

Re: Recommendations for moisturizing lotions that don't feel greasy

You need a cream, not a lotion. Eucerin cream (available at Walmart, Target, any drugstore, etc.) works great, is relatively inexpensive, and has no fragrance. Target and Walmart have store-brand knock offs that work just as well.
by Rupert
Thu May 25, 2017 6:16 am
Forum: Personal Consumer Issues
Topic: Cheap gym shirts w/ certain materials
Replies: 23
Views: 2536

Re: Cheap gym shirts w/ certain materials

I find the Nike Dryfit material to be most comfortable for hard workouts. It's light and doesn't cling. I buy it on sale at sporting goods stores and sometimes find it dirt cheap at Marshalls or TJMaxx.
by Rupert
Wed May 24, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: Rewiring a knob and tube house
Replies: 15
Views: 1737

Re: Rewiring a knob and tube house

It's cheaper to do it now than it will ever be. I think that's the way to look at it when you plan to be in the house forever. Get it over with. Just as an aside: I remodeled a bathroom in my 1920s bungalow this summer and hired a relatively young master electrician to do the electrical work. I'll n...
by Rupert
Wed May 24, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: How do I transfer property from mother-in-law to wife and I?
Replies: 21
Views: 1768

Re: How do I transfer property from mother-in-law to wife and I?

Is this a taxable event (aside from future property taxes? Yes. Possibly twice. First is upon transfer (assuming the property is worth more than $28K). Your MIL would owe transfer taxes - which she can easily get out of by requesting that she use part of her lifetime exemption. It's a paperwork dri...
by Rupert
Wed May 24, 2017 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Max a 529?
Replies: 8
Views: 913

Re: Max a 529?

I'd like to provide money for my child's college education. She's 5 now. I don't know if I want to fund it all, I'd like her to contribute some and not take out substantial loans. In addition to maxing retirement accounts, maintaining an emergency fund, no debt, etc, I've got $120K in taxable accou...
by Rupert
Tue May 23, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Best 401k for small companies?
Replies: 7
Views: 508

Re: Best 401k for small companies?

Vanguard is probably not the way to go for such a small company. An outfit such as Employee Fiduciary would likely be a better fit. Vanguard often will not take small company plans at all. When they will take them, they will make you use a third-party administrator, usually Ascensus.
by Rupert
Tue May 23, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: Bradford White Electric Water heater?
Replies: 30
Views: 1555

Re: Bradford White Electric Water heater?

Bradford White is a good brand sold exclusively (I think) by plumbers. Rheem is also a good brand. The models with longer warranties use the same tanks as the models with shorter warranties. Where I live, we have soft water, and it's usually the tank that fails (from corrosion). So my plumber doesn...
by Rupert
Tue May 23, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: Bradford White Electric Water heater?
Replies: 30
Views: 1555

Re: Bradford White Electric Water heater?

Bradford White is a good brand sold exclusively (I think) by plumbers. Rheem is also a good brand. The models with longer warranties use the same tanks as the models with shorter warranties. Where I live, we have soft water, and it's usually the tank that fails (from corrosion). So my plumber doesn'...
by Rupert
Tue May 23, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Starting a 529 with no children on the horizon?
Replies: 15
Views: 1078

Re: Starting a 529 with no children on the horizon?

Some more details people asked about: ⋅  No debts, loans, mortgages, etc. ⋅  Do not own a home nor am I saving for one Why is there no tax advantage? My understanding (perhaps I managed to severely misunderstand something) is that 529s are exempt from federal taxes? The fact tha...
by Rupert
Tue May 23, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Starting a 529 with no children on the horizon?
Replies: 15
Views: 1078

Re: Starting a 529 with no children on the horizon?

I would not do this if I were you. There's too much uncertainty in higher education at the moment. Many believe we're in bubble that will inevitably burst and lead to fundamental changes in how we provide and finance higher education in this country. Overfunding 529 accounts makes no sense. And not ...
by Rupert
Tue May 23, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: Looking for help with professional communication
Replies: 4
Views: 414

Re: Looking for help with professional communication

Read "How Doctors Think" by Jerome Groopman, available here: https://www.amazon.com/How-Doctors-Think-Jerome-Groopman/dp/0547053649/ref=sr_1_1?ie=UTF8&qid=1495549805&sr=8-1&keywords=how+doctors+think. I'm no doctor, but I found the book extremely helpful in learning to communic...
by Rupert
Mon May 22, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: Summer outdoor parties - party food ideas
Replies: 20
Views: 1702

Re: Summer outdoor parties - party food ideas

Earl Lemongrab wrote:It's a bit of a myth that mayonnaise-based salads are dangerous. Commercial mayo is initially pasteurized and acidic, so not a good growth medium for bacteria.


Thank you for pointing this out. People always blame the mayo when it's usually the meat that has spoiled.
by Rupert
Mon May 22, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: Summer outdoor parties - party food ideas
Replies: 20
Views: 1702

Re: Summer outdoor parties - party food ideas

Low country boil
by Rupert
Mon May 22, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Changing Legal Guardian in a Will
Replies: 1
Views: 279

Re: Changing Legal Guardian in a Will

You could have an attorney draft a codicil to the existing will, rather than re-doing the entire will.
by Rupert
Mon May 22, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me choose between 2 Health plans
Replies: 4
Views: 427

Re: Please help me choose between 2 Health plans

No rule of thumb. Just your personal risk tolerance. With an annual premium difference of only about $1000, no way would I go with Plan A, at least not without an HSA to go with it. Late 30s/early 40s is when health and aging stuff starts to happen.
by Rupert
Mon May 22, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: What goes in your smoothie?
Replies: 45
Views: 2696

Re: What goes in your smoothie?

brak wrote:Any recommendations on smoothies geared for weight gain in the elderly? Thanks


Add peanut butter and/or protein powder to just about any smoothie. You want to add calorie-dense ingredients. Avocado and whole nuts would be other good choices.
by Rupert
Mon May 22, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Company "Case Manager"
Replies: 15
Views: 1495

Re: Health Insurance Company "Case Manager"

I think most insurance companies have these sorts of people (some call them case managers; some call them other things) for certain sorts of medical situations. Assigning a case manager to you is typical, for example, during pregnancy and if you have a chronic condition such as diabetes. With respec...

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