Search found 2498 matches

by Rupert
Sun Oct 22, 2017 7:05 am
Forum: Personal Consumer Issues
Topic: Experian Dark Web scan
Replies: 5
Views: 675

Re: Experian Dark Web scan

If one of these services finds your information on the Dark Web, what are they (or you, for that matter) going to do about it? It's not like you can just call the criminals/hackers and ask them to remove the information. I just assume my information is out there and behave accordingly (monitor accou...
by Rupert
Fri Oct 20, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: do I need term life &AD&D insurance fr employer (single, no debt)
Replies: 8
Views: 337

Re: do I need term life &AD&D insurance fr employer (single, no debt)

thanks soccer rules and rupert I edited to make clear that I plan to buy disability insurance. Question: Why both of you think accidental and death insurance is not needed? weird chance that it will happen? already covered via life and disability? thanks for the quick responses!!! :happy :happy :ha...
by Rupert
Fri Oct 20, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: do I need term life &AD&D insurance fr employer (single, no debt)
Replies: 8
Views: 337

Re: do I need term life &AD&D insurance fr employer (single, no debt)

If your mother would be harmed if you died prematurely, meaning she's at least somewhat dependent on your income, then yes to some amount of term life (and definitely yes to longterm disability insurance if that's an option, for your own sake and your mother's). No to AD&D unless you are medically d...
by Rupert
Fri Oct 20, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Strange email from Equifax
Replies: 14
Views: 1743

Re: Strange email from Equifax

I logged in to just correct my address and phone numbers at Trans Union, and they charged me $20, and called it a dispute. I disputed the dispute and won, they gave me back my money. These places are created to generate cash. That's crazy! Logged in where exactly? How can they even attempt to charg...
by Rupert
Fri Oct 20, 2017 9:11 am
Forum: Investing - Help with Personal Investments
Topic: 401k options for small company
Replies: 8
Views: 526

Re: 401k options for small company

You say he's an "employee" of a 2-man law firm. Is he one of the 2 lawyers? Also, is the 2-man law firm really a "firm," or is it two solo practitioners sharing space? Space (and sometimes staff) sharing happens a lot with lawyers. The answers to these questions might make a difference as to what h...
by Rupert
Fri Oct 20, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Strange email from Equifax
Replies: 14
Views: 1743

Re: Strange email from Equifax

At this point I'd be striving to minimize contact with these companies. They've had to surge a lot of temp staff to do "customer service". I'd be concerned that each additional contact just increases the likelihood of further errors. +1. And just fyi: Anytime you try to change information in your c...
by Rupert
Fri Oct 20, 2017 7:49 am
Forum: Investing - Help with Personal Investments
Topic: Need investment advice since wife became stay-at-home mom
Replies: 19
Views: 1702

Re: Need investment advice since wife became stay-at-home mom

I would consider funding a spousal Roth IRA with the 500/ mo you are using to increase your emergency fund. Roth IRA contributions can be used as a second tier of emergency funds since they can be withdrawn tax and penalty free at any time. This space is use it or lose it, and is very valuable. Thi...
by Rupert
Thu Oct 19, 2017 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Changing State Residency - how to handle health care?
Replies: 11
Views: 928

Re: Changing State Residency - how to handle health care?

Hello all, I am moving to Florida from California. I will be officially in FL in November during the open enrollment period. I understand that when one applies during the open enrollment period the soonest one can get the new health plan is Jan 1, 2018. However I have need to see a specialist in No...
by Rupert
Thu Oct 19, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: How to rent a house? (I'm the renter.)
Replies: 9
Views: 560

Re: How to rent a house? (I'm the renter.)

rgs92 wrote:
Thu Oct 19, 2017 12:20 pm
Like Coldwell Banker property mgmt people (or those associated with other realtors)? Thanks again.
Just Google "residential property management Atlanta," and you'll get dozens (maybe hundreds) of hits. Most will feature their current rental listings on their websites.
by Rupert
Thu Oct 19, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: How to rent a house? (I'm the renter.)
Replies: 9
Views: 560

Re: How to rent a house? (I'm the renter.)

You want to contact a residential property management company. They specialize in rentals.
by Rupert
Thu Oct 19, 2017 10:09 am
Forum: Investing - Help with Personal Investments
Topic: 401k options for small company
Replies: 8
Views: 526

Re: 401k options for small company

You say he's an "employee" of a 2-man law firm. Is he one of the 2 lawyers? Also, is the 2-man law firm really a "firm," or is it two solo practitioners sharing space? Space (and sometimes staff) sharing happens a lot with lawyers. The answers to these questions might make a difference as to what hi...
by Rupert
Thu Oct 19, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Am I paying too much for insurance?
Replies: 18
Views: 1698

Re: Am I paying too much for insurance?

This really seems hard to believe. What does $1.2M house, $550k replacement cost mean? It will only cost $550k to rebuild, so the value of your lot is basically $650K? His profile says he is in the Bay Area. Very believable. I meant hard to believe in that the home insurance cost is so low? I agree...
by Rupert
Thu Oct 19, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: building contractor has no license
Replies: 15
Views: 1224

Re: illegally working buiding contractor

You're likely going to have to pay him for the work he's done unless you can establish that the work is defective in some way or that the required permits were not obtained, etc.
by Rupert
Thu Oct 19, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Wife New Car Recommendations - SUV
Replies: 44
Views: 3037

Re: Wife New Car Recommendations - SUV

Hyundai Santa Fe Sport (note that "Sport" is important -- other varieties of Santa Fes are actually largers SUVs, in same class with Honda Pilot, etc.)
Kia Sportage
Toyota RAV4
Honda CR-V
Ford Escape
Nissan Rogue
Subaru Forester

The Mazda you're looking at gets good reviews if you like the styling.
by Rupert
Thu Oct 19, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Am I paying too much for insurance?
Replies: 18
Views: 1698

Re: Am I paying too much for insurance?

Your home insurance looks really expensive. We are with Farmers insurance and here are our numbers: Home Insurance: $1.2M house, $550K replacement cost, $2500 deductible $578.07/year This really seems hard to believe. What does $1.2M house, $550k replacement cost mean? It will only cost $550k to re...
by Rupert
Thu Oct 19, 2017 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Employer Benefits - Insurance Options, are these useful?
Replies: 17
Views: 883

Re: Employer Benefits - Insurance Options, are these useful?

So I will state - this works GREAT when we know a disability is going to occur. In this last case, we knew my spouse would be giving birth to our first kid - so naturally I opted to pay for the STD myself. However, without knowing of any disabilities - does Bogleheads think I should pay for these d...
by Rupert
Wed Oct 18, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: Europe vacation, family of 5
Replies: 15
Views: 1359

Re: Europe vacation, family of 5

In general, European hotel rooms are smaller than American ones, and suites are unusual (as are king-sized beds, which Americans are used to). So I second the recommendation of AirBnB. You could save money on food that way as well as avoid booking two rooms. I don't think motoring around will be a p...
by Rupert
Wed Oct 18, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: Help with PR emergency prep: Water filter, Propane stove, etc.
Replies: 46
Views: 2633

Re: Help with PR emergency prep: Water filter, Propane stove, etc.

Let's say the water is on but we're worried about possible e.coli. So, he filters drinking water. What about showering? No biggie? No showers. Take a bath or what my old grandma used to call a "sink bath." Treat the water with bleach first. Most dermatologist's websites will have information on how...
by Rupert
Wed Oct 18, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Minimal insurance policy for manufactured home
Replies: 4
Views: 310

Re: Minimal insurance policy for manufactured home

Shopped multiple carriers with various agents. Manufactured (Mobile home) origination date is 1973. Even though it was updated in 2016 all insurance reverts back to that original date. Based on age and distance from the coast (5 miles) there isn't a carrier that was shopped that would cover dwellin...
by Rupert
Wed Oct 18, 2017 6:51 am
Forum: Personal Consumer Issues
Topic: Recommendations on truck/suv/crossover/wagon with comfortable seating
Replies: 11
Views: 742

Re: Recommendations on truck/suv/crossover/wagon with comfortable seating

Heated seats, which usually (but not always) means leather, really helps with back pain on long trips.
by Rupert
Wed Oct 18, 2017 6:46 am
Forum: Personal Consumer Issues
Topic: Brick Chimney Issues
Replies: 24
Views: 1414

Re: Brick Chimney Issues

If you never use it, why don't you just have it removed? Chimneys are usually a huge energy drain anyway.
by Rupert
Wed Oct 18, 2017 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Minimal insurance policy for manufactured home
Replies: 4
Views: 310

Re: Minimal insurance policy for manufactured home

Why do you only have a $15,000 policy? Usually, mobile home coverage looks a lot like normal HO coverage. Not all insurance companies sell it, but when they do, it's really not treated any differently from normal HO. So what's unique about your parent's trailer or its location that limits their cove...
by Rupert
Tue Oct 17, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Help with PR emergency prep: Water filter, Propane stove, etc.
Replies: 46
Views: 2633

Re: Help with PR emergency prep: Water filter, Propane stove, etc.

I wouldn't count on being able to easily charge electronics at school if the school is running on generators and every student there is also trying to charge their stuff at the same time. Definitely take a solar-powered charger; the novelty of the hand-cranked ones wears off quickly. If his car is r...
by Rupert
Tue Oct 17, 2017 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review w/ Questions re: Investments, TSP, Roth, Disability Ins.
Replies: 5
Views: 468

Re: Portfolio Review w/ Questions re: Investments, TSP, Roth, Disability Ins.

Not sure what disability insurance policies specific to occupation means ... I've only seen generic ones, but will look into it further. I'm basically in a white-collar job sitting at a computer all day, so I'd hope that I'd be able to get a low-cost disability policy, but the first few results wer...
by Rupert
Tue Oct 17, 2017 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze for infant
Replies: 3
Views: 464

Re: Credit Freeze for infant

As noted in the other thread running on this topic right now, some states permit you to freeze a minor's credit, others don't. Children don't have credit files. You'll have to create one to freeze it.
by Rupert
Mon Oct 16, 2017 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Making a Roth IRA for my Dad
Replies: 31
Views: 1328

Re: Making a Roth IRA for my Dad

Does he have any earned income? Not sure what you mean, but he does still work now so he does earn, but is likely to retire when he turns 65-66, so within a year or a little over a year at most. When he retires, he likely won't have earned income anymore (Google the definition of "earned income") s...
by Rupert
Mon Oct 16, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Credit protection for children?
Replies: 5
Views: 448

Re: Credit protection for children?

Children are at actually higher risk for identity theft, so if your state allows it having their credit frozen would be a good idea. From Clark.com: .According to the Identity Theft Resource Center, kids are 51 times more likely to be the subject of identity theft than adults! Another study found t...
by Rupert
Mon Oct 16, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Credit protection for children?
Replies: 5
Views: 448

Re: Credit protection for children?

Not all states permit you to freeze a child's credit. Google to see which ones do. Technically, children don't have credit files. So you actually have to create one before you can freeze it. My plan is to check my children's credit about two years before they turn 18. If files exist for them at that...
by Rupert
Mon Oct 16, 2017 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Employer Listens To Brokerage Calls?
Replies: 13
Views: 1206

Re: Employer Listens To Brokerage Calls?

I can't imagine an employer who has time to fritter away tracking down recordings at a broker, especially not for something as trivial as trying to guess that someone might be thinking about retiring. If there were some suspected criminal act, such as insider trading, that would be different. +1. I...
by Rupert
Mon Oct 16, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: 529 Savings - Is it enough?
Replies: 38
Views: 3510

Re: 529 Savings - Is it enough?

Decide what sort of college you're willing to pay for (state flagship uni, Harvard, etc.). Then visit that university's website to find out what the current cost of attendance is. Then enter that number along with your current savings and expected future savings into one of many available college co...
by Rupert
Mon Oct 16, 2017 7:06 am
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 5620

Re: Is Florida Over, 2017

FL native here. I don't even understand the question. Are we talking about hurricanes? I've lived through dozens of hurricanes. Please understand that there are differences in perspectives depending on where you live and what you are used to. For example, if I were in the middle of those fires in C...
by Rupert
Sun Oct 15, 2017 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Circumstances in which a freeze needs to be lifted
Replies: 34
Views: 2454

Re: Circumstances in which a freeze needs to be lifted

My auto insurance policy recently renewed, but it was before I placed the freeze. So, say about this time next year, if I stick with the same company and just wait for my renewal policy, will there be a problem like mentioned above? I realize it may differ by auto insurance company, but otherwise i...
by Rupert
Sun Oct 15, 2017 7:50 am
Forum: Personal Finance (Not Investing)
Topic: with frozen credit, is there benefit to fraud monitoring services?
Replies: 19
Views: 1422

Re: with frozen credit, is there benefit to fraud monitoring services?

Just wanted to bump this thread to see if anyone has more info or experience with this. Have you tried to open new lines of credit with your existing financial institutions after you placed your freeze? If so, did they require you to unfreeze first? I have. And, yes, I had to unfreeze first. My exp...
by Rupert
Sat Oct 14, 2017 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on home insurance and land vs structure value
Replies: 20
Views: 1121

Re: Thoughts on home insurance and land vs structure value

Then1% is a formula for calculating the dollar value of the deductible. Once calculated, then the dollar value is the deductible. The deductible would be the same for a claim of $1,000, a claim of $10,000 or a claim of $100,000. So it's 1% of what figure? The rebuild cost of the house? The market v...
by Rupert
Sat Oct 14, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 129
Views: 9212

Re: anyone else not liking the new cars?

I find that anytime automobiles are drastically redesigned I hate the new design for about 2 years. After about 2 years, I get used to it and don't hate it anymore. It starts to look normal to me at that point, especially as other car mfrs start to copy the design and integrate it into their own mod...
by Rupert
Fri Oct 13, 2017 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Pay down mortgage or maintain liquidity for future home improvements
Replies: 10
Views: 1258

Re: Pay down mortgage or maintain liquidity for future home improvements

These days, it rarely makes financial sense to pay off a mortgage early (assuming, of course, you got a good rate). Some people like to pay them down for the psychological satisfaction of doing so, but that's an emotional, not a financial, decision. Plus, who wants to sit through a Heloc closing and...
by Rupert
Fri Oct 13, 2017 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on home insurance and land vs structure value
Replies: 20
Views: 1121

Re: Thoughts on home insurance and land vs structure value

As I believe is increasingly common, our homeowners deductible is 1% of the insured amount. When we recently decreased the insured value, our deductible went down as did our annual premium. Does that have a bottom on it? Otherwise it might be a good deal depending on circumstance. A windstorm that ...
by Rupert
Fri Oct 13, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Email Security after equifax breach
Replies: 23
Views: 2596

Re: Email Security after equifax breach

What is the process to create a financial gmail if I'm already using gmail? Thanks in advance. You all have been keeping me very busy freezing, changing passwords, etc. Just open a new gmail account, and don't link it to your existing account. It helps if you use a different browser than you normal...
by Rupert
Fri Oct 13, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Between ERISA and Medicare
Replies: 2
Views: 187

Re: Between ERISA and Medicare

Given the enormous uncertainty in the individual market now (especially after last night's executive order), definitely explore any COBRA option that is available to you. It would cover your wife to Medicare and perhaps you too if you happen to live in a state with expanded COBRA. Edited to note thi...
by Rupert
Fri Oct 13, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5638

Re: Help me understand what happen with the new law and ACA subsidies

And this may prompt Congress to respond with something more comprehensive. Don't panic yet.
by Rupert
Fri Oct 13, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: How does the medical billing system work?
Replies: 34
Views: 2229

Re: How does the medical billing system work?

A question I've always had is whether healthcare providers actually know what a procedure costs? In other words, do they actually add it all up, e.g., this type of surgery typically will involve 12 staples, 14 bandaids, 3 plastic tubes, 4 packets of gauze, 5 metal instruments that will need to be s...
by Rupert
Fri Oct 13, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on home insurance and land vs structure value
Replies: 20
Views: 1121

Re: Thoughts on home insurance and land vs structure value

Insured value is based on cost to rebuild. It has nothing whatsoever to do with market value. What does the insurance company say the insured value of your home is? That's what's important because if you under-insure by more than 20%, i.e., if you don't insure your home at a level that is at least 8...
by Rupert
Fri Oct 13, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: How does the medical billing system work?
Replies: 34
Views: 2229

Re: How does the medical billing system work?

A question I've always had is whether healthcare providers actually know what a procedure costs? In other words, do they actually add it all up, e.g., this type of surgery typically will involve 12 staples, 14 bandaids, 3 plastic tubes, 4 packets of gauze, 5 metal instruments that will need to be st...
by Rupert
Thu Oct 12, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Driver's License Number in regards to Equifax Breach
Replies: 12
Views: 838

Re: Driver's License Number in regards to Equifax Breach

Earlier today I wrote about the REAL ID Act of 2005 (that's how Congress wrote its name). The post may help shed light. PJW From what I understand, MN residents will not be mandated to "upgrade" to the enhanced driver license or the Real ID driver license even after the October 1, 2020 deadline. Th...
by Rupert
Thu Oct 12, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 4832

Re: Is there boglehead consensus on buying a car?

You can pick up a new Prius Prime Plus for almost the same price as a 3-4 year old Prius after incentives in Colorado. Makes it hard to justify buying used in Colorado if a Prius or plug-in Prius is your desired vehicle. This is an important point, and it doesn't just apply to Priuses (or Prii?). O...
by Rupert
Thu Oct 12, 2017 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Card - Should I get a Replacement
Replies: 47
Views: 2585

Re: Social Security Card - Should I get a Replacement

Already having a passport, I don’t see the value for me (unless there are other compelling reasons to get one). This is still good to know - learn something new every day. The compelling reason to get an Enhanced Drivers License is the REAL ID Act. All REAL ID compliance extensions expired on Octob...
by Rupert
Thu Oct 12, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: SUV options with 3 little kids
Replies: 57
Views: 3189

Re: SUV options with 3 little kids

OP, with three kids in carseats, you were bound to get a ton of minivan recommendations. It would be helpful -- and you might cut off a lot of the forthcoming minivan recommendations -- if you write back to tell folks how old your kids are and whether any of them is able to buckle their own carseat....
by Rupert
Thu Oct 12, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Driver's License Number in regards to Equifax Breach
Replies: 12
Views: 838

Re: Driver's License Number in regards to Equifax Breach

How does getting a "Real ID" driver license protect you from identity theft? My understanding is that it is just a driver license issued to minimum security standards. It might be more difficult for an identity theft to get an official driver license by impersonating you, but it doesn't prevent the...
by Rupert
Wed Oct 11, 2017 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Adding money to 401K/403b late in the year.
Replies: 18
Views: 853

Re: Adding money to 401K/403b late in the year.

Those 70% and 10% limits are what your employers have decided the limit is. Take a look at your plan documents. It should be in there. I've heard of employers waiving these limits in some cases, but I'm not sure that was legal. :confused
by Rupert
Wed Oct 11, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance as an inheritance?
Replies: 10
Views: 520

Re: Term Life Insurance as an inheritance?

Most people don't qualify for Preferred Plus rates at age 50. Also, the lowest priced policy is $2954 annually. A Standard health rating would be ~$5700-7000/year. If we all knew when we were going to die, making these decisions would be pretty easy! +1. It's a rare 50-year-old man who has no medic...