Search found 1703 matches

by Rupert
Thu Feb 23, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: $200 Emergency Visit Copay Waiver?
Replies: 21
Views: 1260

Re: $200 Emergency Visit Copay Waiver?

Are you sure it wouldn't be more expensive for you if billed as an "admission"? I'd check that before arguing further. Usually, the patient pays a co-pay per day for at least the first 5 days or so of a hospital stay, and admissions have to be pre-authorized to be covered at all. That's wh...
by Rupert
Thu Feb 23, 2017 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Asset Allocation - is this valid thinking?
Replies: 50
Views: 1837

Re: 529 Asset Allocation - is this valid thinking?

With this attitude the balance cannot be much so I want to benefit from the highest upside. While you may want the highest upside, the market may give you the downside. I think it's okay to start off with 100/0 in the first few years of a 529, but, unless you have plenty of money otherwise, I would...
by Rupert
Thu Feb 23, 2017 11:10 am
Forum: Investing - Help with Personal Investments
Topic: 529 Asset Allocation - is this valid thinking?
Replies: 50
Views: 1837

Re: 529 Asset Allocation - is this valid thinking?

With this attitude the balance cannot be much so I want to benefit from the highest upside. While you may want the highest upside, the market may give you the downside. I think it's okay to start off with 100/0 in the first few years of a 529, but, unless you have plenty of money otherwise, I would...
by Rupert
Thu Feb 23, 2017 7:38 am
Forum: Personal Consumer Issues
Topic: Routine maintenance recommendations to prevent future costly repairs
Replies: 15
Views: 1078

Re: Routine maintenance recommendations to prevent future costly repairs

Yeah, you left a lot off the house list, but what's on the list depends on what sort of house you have. For example, if you have a painted wood house, you'll need to save for re-painting from time to time (how often depends on climate). No matter what material your house is made of, you'll need to h...
by Rupert
Wed Feb 22, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Safe harbor paid in company stock?
Replies: 8
Views: 446

Re: Safe harbor paid in company stock?

This would give me pause too. As I understand it, to qualify as a safe harbor plan, the company must contribute to the plan an amount equivalent to 3% of salary for each employee. How does that work when you're contributing company stock given that the value of company stock likely changes daily? I ...
by Rupert
Wed Feb 22, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Getting the snip: Should it be me or my partner?
Replies: 13
Views: 1410

Re: Getting the snip: Should it be me or my partner?

In before the lock. You're asking for medical advice, which is not allowed on this forum.
by Rupert
Wed Feb 22, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: new lowest price rental car vendor
Replies: 7
Views: 616

Re: new lowest price rental car vendor

I also just tried to compare Autoslash against an existing reservation at Costco, but they won't give me a quote with me first giving them my email address. No thank you. You're not getting my personal information until I'm certain I'm doing business with you. Also, the great thing about Costco rent...
by Rupert
Wed Feb 22, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Help Please, My Identity is at Risk
Replies: 12
Views: 1284

Re: Help Please, My Identity is at Risk

Freeze your credit with Experian, Equifax, and TransUnion. Visit the Federal Trade Commission website, ftc.gov, which has lots of useful information about identity theft. You may be giving the thief too much credit. Generally speaking (I'm a criminal defense lawyer), the sort of thieves who break in...
by Rupert
Tue Feb 21, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: Help on I-10 west from FL to NM
Replies: 13
Views: 765

Re: Help on I-10 west from FL to NM

When is this drive? I ask because you don't (at least I wouldn't) want to be anywhere near New Orleans over the next week, particularly at night. It's Mardi Gras. I-10 runs right through it.
by Rupert
Tue Feb 21, 2017 10:21 am
Forum: Investing - Help with Personal Investments
Topic: TSP Advice
Replies: 14
Views: 490

Re: TSP Advice

Your asset allocation is just fine. If anything, might be a bit on the aggressive side for someone so near retirement. You're presently at 65/35. 60/40, 50/50, and 40/60 are all reasonable asset allocations for someone at or near retirement age.
by Rupert
Tue Feb 21, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: home improvementl strategy
Replies: 17
Views: 1847

Re: home improvementl strategy

I would break the project up into smaller projects, prioritize them, and then do them one at a time as my budget permits. Don't take out a loan just so you can do them all at once. Do the driveway last if heavy trucks carrying materials will need to use the driveway to complete the other projects.
by Rupert
Tue Feb 21, 2017 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Windfall, investing, insurance?
Replies: 39
Views: 1701

Re: Windfall, investing, insurance?

Whole life as a means to fund college? That's just stupid. Seriously, stop listening to the life insurance salesman. He's in the business of selling life insurance; so of course he thinks it's a great idea to buy too much of it to fund everything. Generally speaking, there are two (only two) categor...
by Rupert
Mon Feb 20, 2017 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: How do I buy a building lot from current owner ...
Replies: 18
Views: 1264

Re: How do I buy a building lot from current owner ...

In my community, you would hire a title company to handle all the details for you. In other areas, hiring a real estate attorney is required by law or custom.
by Rupert
Mon Feb 20, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: Anyone have a house keeper ("Mommy's" helper)?
Replies: 23
Views: 2262

Re: Anyone have a house keeper?

The only way to find a person like the person cherijoh is describing is by word of mouth. I think it's very uncommon, at least in my social circles, to have a housekeeper these days because it is very expensive if you pay taxes like you are supposed to, but it was fairly common when I was a child fo...
by Rupert
Sat Feb 18, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Life insurance policy on kids - prudent?
Replies: 35
Views: 1960

Re: Life insurance policy on kids - prudent?

I wanted to chime in here that there is one scenario where getting life insurance on a child may be appropriate, and that's if you have reason to believe your child is very likely to develop a health condition later in life (child/adolescence though early 20s) that would make them uninsurable. In t...
by Rupert
Thu Feb 16, 2017 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: What's the secret to happiness?
Replies: 39
Views: 2578

Re: What's the secret to happiness?

I find that I'm "happiest" when I'm completely engaged in what I'm doing, no matter what it is. It can be intellectual (writing, arguing in court, reading something challenging) or it can be physical (doing yoga, mowing the lawn, eating a really good steak). As the parent of small children...
by Rupert
Thu Feb 16, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: Auto insurance not covering medical even though coverage
Replies: 11
Views: 522

Re: Auto insurance not covering medical even though coverage

In many states, PIP coverage is mandatory. Wikipedia lists those states here: https://en.wikipedia.org/wiki/Personal_injury_protection But, OP, wouldn't the at-fault driver's liability policy cover this for you? Why aren't you talking to them, rather than your own insurance company? Did you decide ...
by Rupert
Thu Feb 16, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: Auto insurance not covering medical even though coverage
Replies: 11
Views: 522

Re: Auto insurance not covering medical even though coverage

In many states, PIP coverage is mandatory. Wikipedia lists those states here: https://en.wikipedia.org/wiki/Personal_injury_protection But, OP, wouldn't the at-fault driver's liability policy cover this for you? Why aren't you talking to them, rather than your own insurance company? Did you decide t...
by Rupert
Thu Feb 16, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: Anxiety about buying used car
Replies: 50
Views: 3158

Re: Anxiety about buying used car

I have smoked in my car occasionally and it does not leave any trace of cigar smoke odor after 2 trips. That being said, my neighbor had the same request as you for some reason, and they found (may be outdated) that looking to see if the cigarette lighter on the car has ashy/burnt coils was a good ...
by Rupert
Thu Feb 16, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund & health insurance?
Replies: 5
Views: 531

Re: Emergency fund & health insurance?

You should, as that would be a new expense that must be paid out of pocket while unemployed. Of course, determining how much that cost will be in advance is hard. Some people might be able to switch to a spouse's plan if a job loss were to happen. People who work at larger employers can fairly accur...
by Rupert
Thu Feb 16, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Do we need an agent to buy a home?
Replies: 18
Views: 1197

Re: Do we need an agent to buy a home?

I think agents are most useful when you are moving to a new location that you are unfamiliar with. The agent can really earn his/her pay by pointing out problems or issues with neighborhoods, streets, etc., that you might not otherwise notice and that the seller's agent has no incentive to reveal to...
by Rupert
Thu Feb 16, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: I may be a workaholic?
Replies: 24
Views: 2065

Re: I may be a workaholic?

If your work habits are not making you sick and you have good relationships with the people in your life (not just good from your perspective, but also good from their perspective), I see no problem.
by Rupert
Thu Feb 16, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: Convince Wife for Honda Odyssey
Replies: 48
Views: 2631

Re: Convince Wife for Honda Odyssey

wow so many great responses!...Overall consensus seems to go with what DW likes, here is what im planning based on everyone's input, 1. Rent Latest n Greatest Odyssey for a week. 2. Based on above, see where she stands at the end of the week. 3. if she still would want to go with an SUV, SUV it wil...
by Rupert
Wed Feb 15, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Mailed Speeding Ticket via Auto System - Not Driver
Replies: 57
Views: 1683

Re: Mailed Speeding Ticket via Auto System - Not Driver

This is what is called guilty until proven innocent and is not how the law works in the US. We also have a right to not incriminate yourself or your spouse. If a city wants to ticket speeders, they should be able to accurately identify the speeder, instead of falsely accusing innocent citizens. Thi...
by Rupert
Wed Feb 15, 2017 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Mailed Speeding Ticket via Auto System - Not Driver
Replies: 57
Views: 1683

Re: Mailed Speeding Ticket via Auto System - Not Driver

Your wife was driving it??? Then I don't understand what you are asking. Sounds like your wife is responsible for the ticket. Who do YOU think should pay the ticket?? You keep using the term "written testimony" which is another way of saying "I'll write my pitiful excuse on a piece o...
by Rupert
Wed Feb 15, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Mailed Speeding Ticket via Auto System - Not Driver
Replies: 57
Views: 1683

Re: Mailed Speeding Ticket via Auto System - Not Driver

He said his DW was driving the car. OP, are you seriously trying to get out of paying your spouse's speeding ticket? That's pretty awful. Just pay the ticket. You (meaning you and your spouse) are responsible for it. You said, "I assume that submission of written testimony stating I was not the...
by Rupert
Wed Feb 15, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Mailed Speeding Ticket via Auto System - Not Driver
Replies: 57
Views: 1683

Re: Mailed Speeding Ticket via Auto System - Not Driver

How about just asking the person who was driving your car to pay the ticket?
by Rupert
Tue Feb 14, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Closed my Roth IRA due to political uncertainty - mistake???
Replies: 102
Views: 5671

Re: Closed my Roth IRA due to political uncertainty - mistake???

So, at 42, you're probably 20-30 years away from retirement, right? That's a loooooong time to recover from any losses that we may experience in the next 4-8 years. And, remember, while your principal may decline from time to time, you haven't really "lost" anything until you need the mone...
by Rupert
Tue Feb 14, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Kids in Apartment Sharing Bedroom - Workable?
Replies: 50
Views: 2919

Re: Kids in Apartment Sharing Bedroom - Workable?

My twin girls share a bedroom. Sometimes there's drama, but mostly it works. (I would keep the infant in your room until she's sleeping through the night consistently.) Your kids won't think anything of it because it'll be all they know. And, besides, this business about every child needing his/her ...
by Rupert
Tue Feb 14, 2017 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Closed my Roth IRA due to political uncertainty - mistake???
Replies: 102
Views: 5671

Re: Closed my Roth IRA due to political uncertainty - mistake???

Yes, huge mistake. You should open a new Roth IRA and just invest more conservatively, in a bond fund or even a stable value or money market fund if that's what helps you sleep at night. But if you invest that conservatively for very long, you likely won't have enough money to retire. Think long ter...
by Rupert
Tue Feb 14, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Car accident - at-fault driver's insurance dragging their feet
Replies: 22
Views: 1509

Re: Car accident - at-fault driver's insurance dragging their feet

Thank you all for your comments. I am grateful for every one. While I have been participating in groups like this since the early usenet days this forum is truly a breath of fresh air. It is very comforting to know I can get well considered advice from others who have dealt with the same issues wit...
by Rupert
Tue Feb 14, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Custom House - Wait for a Recession?
Replies: 10
Views: 1422

Re: Custom House - Wait for a Recession?

The price of construction materials in my area went through the roof during the recession. The cost of materials more than made up for the cheaper labor. Lots of people were remodeling but weren't saving money.
by Rupert
Mon Feb 13, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: Contractors Estimates (accessory dwelling unit). What should we look for?
Replies: 12
Views: 1101

Re: Contractors Estimates (Granny Unit). What should we look for?

Don't let them quote you a lump sum. They won't necessarily separate materials from labor (because they mark up the cost of materials to account for the fact that they have to go pick up the materials, or schedule delivery, etc., and this is why contractors won't allow you to buy your own materials ...
by Rupert
Mon Feb 13, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: How long do you keep your kitchen sponge?
Replies: 44
Views: 3484

Re: How long do you keep your kitchen sponge?

You should sanitize them daily and replace them frequently. After reading an article similar to this http://www.eatright.org/resource/homefoodsafety/four-steps/wash/dos-and-donts-of-kitchen-sponge-safety, I promptly stopped using sponges altogether and switched to dishcloths that can be washed in th...
by Rupert
Mon Feb 13, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Kitchen cabinets
Replies: 58
Views: 3912

Re: Kitchen cabinets

Two years ago we went the opposite of white cabinets. We went with painted grey. Paired with white, quartz countertops, white walls and ceiling, white appliances, and grey/whitish tile it looks great. Pretty much all my wife's ideas. I would have went with some current style. Don't be afraid to go ...
by Rupert
Mon Feb 13, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance - How much is too much?
Replies: 11
Views: 1031

Re: Homeowners Insurance - How much is too much?

The assessed value, fair market value, and insured value often have very little relationship to each other. The insured value is usually what it would cost to demolish the damaged existing structure and rebuild a comparable structure on the same lot at today's prices. To figure out if you're over-in...
by Rupert
Sat Feb 11, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: Convince Wife for Honda Odyssey
Replies: 48
Views: 2631

Re: Convince Wife for Honda Odyssey

Will she at least agree to test drive the Odyssey? Doing so might change her mind.
by Rupert
Fri Feb 10, 2017 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: After Roth, is the only investing option in a taxable account?
Replies: 17
Views: 1445

Re: After Roth, is the only investing option in a taxable account?

Why not a traditional IRA? And do you not have options at work, e.g., 401k, 403(b), etc.? It's recommended that you max out those options before investing in a taxable account.
by Rupert
Fri Feb 10, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Payment Method for Private Used Car Sale
Replies: 43
Views: 2381

Re: Payment Method for Private Used Car Sale

Definitely conduct this transaction in the bank parking lot. Walk inside the bank with the buyer and stand at the window while he/she purchases a cashiers check. Sign the title transfer after holding the check in your hand. You can also get the bill of sale notarized while you're there, if you're so...
by Rupert
Fri Feb 10, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 94
Views: 6006

Re: Terrible negotiation - need help with words to use

I usually quote them prices from on-line sources such as Edmunds. I'd say something like, "Edmunds, etc., says people in my area are paying X. I'll pay X." If they reject your offer initially, wait it out. They're testing you to see if you're willing to walk way. (The First Rule of Negotia...
by Rupert
Fri Feb 10, 2017 10:55 am
Forum: Investing - Theory, News & General
Topic: Best way to present to my employer a switch to vanguard
Replies: 24
Views: 1387

Re: Best way to present to my employer a switch to vanguard

I think a big issue for the employer is their liability. Which plan protects them the best overall is important. So if one company has all the fiduciary stuff taken care of, to take the burden completely off the employer, they will probably like that one the best. There is no way to legally take th...
by Rupert
Fri Feb 10, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: The 6 403b Companies Offered Where I Teach
Replies: 19
Views: 1108

Re: The 6 403b Companies Offered Where I Teach

All of those options are bad, but some are probably worse than others. You should look through their investment offerings and see if any of them offer at least an S&P 500 index fund, an international index fund, and a bond index fund with expense ratios less than .5%. Then check to see whether/w...
by Rupert
Thu Feb 09, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance - major $$ difference between 2 agents
Replies: 6
Views: 616

Re: Term Life Insurance - major $$ difference between 2 agents

Tell me a little about your health, family medical history, history of smoking (or not), weight, and driving record, and I'll tell you which agent was lying to you.
by Rupert
Thu Feb 09, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Opinions
Replies: 5
Views: 494

Re: Life Insurance Opinions

Curious why you're considering a smaller policy for your wife given that she makes more than you presently?
by Rupert
Thu Feb 09, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Opinions
Replies: 5
Views: 494

Re: Life Insurance Opinions

That's not enough insurance given the size of your debt. I'd at least double the amount of coverage for each of you. 10-15x income is the rule of thumb. Because your need for insurance will diminish as your savings increase and your debt decreases, consider buying two policies each. For example, you...
by Rupert
Thu Feb 09, 2017 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Life insurance policy question
Replies: 23
Views: 1216

Re: Life insurance policy question

OP, I completely understand why you bought the whole life policy when you did, but whole life is a terrible mistake for most people because it mixes insurance and investing, which is a bad idea almost 100% of the time. Level term is the way to go if you can get it. Because of your prior cancer diagn...
by Rupert
Thu Feb 09, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: Deal on 2016 CPO Honda Odyssey
Replies: 34
Views: 2065

Re: Deal on 2016 CPO Honda Odyssey

CPOs are usually not a great deal. I would only go that route over a standard used car if I were considering a vehicle that was outside the mfr's standard warranty period. For what it's worth, I bought a new 2014 EX-L w/o navigation (who pays extra for that anymore?) for about $31,000 out the door, ...
by Rupert
Wed Feb 08, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: KaiZen Life Policy
Replies: 11
Views: 1040

Re: KaiZen Life Policy

To follow up on David Jay's comment: People with a specific need for a permanent death benefit are generally limited to people with disabled family members (usually children) who depend on their income and are expected to survive them and people with a need to provide their heirs a way of paying est...
by Rupert
Wed Feb 08, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors vs Wood Look Tile?
Replies: 68
Views: 5315

Re: Hardwood floors vs Wood Look Tile?

Before you commit to vinyl, do some research on toxic chemicals, such as pthalates, in vinyl. Many people would not choose to have it in a home with small children. YMMV, of course. please provide supporting information - that is quite a claim to put out on here with nothing to back it up. http://w...
by Rupert
Wed Feb 08, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors vs Wood Look Tile?
Replies: 68
Views: 5315

Re: Hardwood floors vs Wood Look Tile?

Before you commit to vinyl, do some research on toxic chemicals, such as pthalates, in vinyl. Many people would not choose to have it in a home with small children. YMMV, of course.

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