Search found 3704 matches

by Rupert
Fri Nov 16, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Employment for a disabled son
Replies: 8
Views: 387

Re: Employment for a disabled son

Have you looked at how much private or commercial health insurance would cost him if he loses his eligibility for government benefits? That's the kicker, unfortunately.
by Rupert
Fri Nov 16, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: Home sale etiquette: wall repair
Replies: 39
Views: 1477

Re: Home sale etiquette: wall repair

The problem, as I see it, with removing nails and screws and other picture hanging hardware is that by doing so, you may create a problem where previously there was none. There's always a chance that a chunk of wall will come off with the nail, etc., if you remove it. And then you've got a hole that...
by Rupert
Fri Nov 16, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Home sale etiquette: wall repair
Replies: 39
Views: 1477

Re: Home sale etiquette: wall repair

Even if you have leftover paint stored somewhere, it's unlikely to match the paint on the walls, which tends to fade over time from light exposure. So I would just leave the nails where they are and let the new owners decide what to do about it.
by Rupert
Thu Nov 15, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Mouse in the house
Replies: 24
Views: 1228

Re: Mouse in the house

For one mouse in 17 years, I wouldn't spend any money on rodent bait, traps, etc. I would, instead, spend money on hiring someone to seal up any entry points in the attic. Insulation and HVAC contractors do that sort of thing if you don't have a capable handyman. You could do it yourself with some c...
by Rupert
Thu Nov 15, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance Claim-Experiences?
Replies: 14
Views: 945

Re: Homeowners Insurance Claim-Experiences?

I don't think 6 weeks is an unreasonable amount of time, especially right now. Insurance companies are slammed with claims from the Carolinas and Florida (hurricanes) and California (wildfires) at the moment.
by Rupert
Wed Nov 14, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Dumb question about bedding and comforters
Replies: 20
Views: 1622

Re: Dumb question about bedding and comforters

Definitely buy a duvet. It has been my experience that a comforter is never the same after being washed (gets clumpy, as a prior poster noted) and that a commercial washer is often required to do the job. Same with pillows.
by Rupert
Wed Nov 14, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Accuracy of Zillow/Trulia/Redfin Estimates
Replies: 51
Views: 4178

Re: Accuracy of Zillow/Trulia/Redfin Estimates

I think the Zillow et al estimates tend to be better in newer, cookie-cutter neighborhoods than in older neighborhoods where all the houses are of different styles or have been modified over the years. I live in a historic district where the estimates are almost worthless.
by Rupert
Wed Nov 14, 2018 7:38 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Vs. 2019 Rav 4
Replies: 21
Views: 2006

Re: 2019 Subaru Forester Vs. 2019 Rav 4

People have been waiting so long for the new RAV4 that I bet there will be no deals to be had for the first year of production. You'll likely be paying sticker or near sticker if you want one. That said, all Subarus are AWD. If you don't need AWD, why pay the higher maintenance costs of AWD? (The co...
by Rupert
Wed Nov 14, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: Garmins & Fitbits: Worth it for non-athletes?
Replies: 38
Views: 1918

Re: Garmins & Fitbits: Worth it for non-athletes?

I only have to charge my Fitbit once a week, if that's important to you, OP.
by Rupert
Tue Nov 13, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Garmins & Fitbits: Worth it for non-athletes?
Replies: 38
Views: 1918

Re: Garmins & Fitbits: Worth it for non-athletes?

I've been a Fitbit user for years, and I find that it does motivate me to move more. Others may not need that motivation, but I do. Right now I'm wearing a Fitbit Charge HR which tracks steps by day and hour. You can set it to notify you if you haven't taken at least 250 steps over the last hour. It...
by Rupert
Tue Nov 13, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Short-Term Medical Plans
Replies: 3
Views: 206

Re: Short-Term Medical Plans

I think you and your wife are too mature (that's a polite way of saying old :wink: ) and too far away from Medicare eligibility for the short-term plans to be a viable option. You are, unfortunately, at the age where very expensive medical conditions happen fairly commonly (breast cancer, prostate c...
by Rupert
Tue Nov 13, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance- When is it necessary?
Replies: 15
Views: 1077

Re: Flood Insurance- When is it necessary?

If you are not in a FEMA defined flood zone, the odds are that you will not be able to buy flood insurance. I think FEMA subsidizes insurance companies so that they will offer it. If you are seriously considering this (you can search your address on FEMA's website). You can also call your insurer a...
by Rupert
Tue Nov 13, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Feeling uneasy about recent splurge
Replies: 40
Views: 3921

Re: Feeling uneasy about recent splurge

Check out the Mattress Underground. Most mattresses in department stores and mattress chain stores are destined to fail in less than 4 years. Ask me how I know. It all depends upon the construction- in particular, the quality of the foam that they use. I will never buy another mattress again unless...
by Rupert
Tue Nov 13, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: Global Entry Turnaround Time ?
Replies: 26
Views: 1761

Re: Global Entry Turnaround Time ?

Well, maybe I answered a question where "no good deed goes unpunished." The question was have you ever been convicted of a crime, and I stated yes and described it, which was "speeding ticket many years ago." Technically, I didn't bother to search whether it is in fact a crime in our state (you los...
by Rupert
Tue Nov 13, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Applied for biz credit card -- but fine print says only biz transactions allowed?
Replies: 3
Views: 339

Re: Applied for biz credit card -- but fine print says only biz transactions allowed?

It's not illegal, but using the card for personal expenses would appear to violate the contract terms. What does the fine print say will happen if the card issuer discovers that you are using the card for non-business purposes? Here's an example of a possible bad case scenario: You use the card to r...
by Rupert
Mon Nov 12, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance- When is it necessary?
Replies: 15
Views: 1077

Re: Flood Insurance- When is it necessary?

The flood maps don't tell the complete story. As a result, some people need flood insurance even if they don't live in a flood zone. Some questions to ask yourself: When was the last time the flood zone maps were updated in your region? If recently, how political was the process (do yo remember lots...
by Rupert
Sun Nov 11, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Do I Need A Credit Score?
Replies: 24
Views: 1049

Re: Do I Need A Credit Score?

Yes, you should get a credit card and start building credit. Lots of things could happen that would prevent you from relying on your spouse's credit going forward. If you're disciplined enough to pay the balance in full every month (and you probably are if you're posting here) and not buy things you...
by Rupert
Sat Nov 10, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 3500

Re: International Travel during Maternity/Paternity

No offense, but you're considering taking a newborn to locations where even healthy adults are advised to get special vaccines before visiting. Why would you even consider that?
by Rupert
Sat Nov 10, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 3500

Re: International Travel during Maternity/Paternity

I don't recommend traveling nomadically with a child that age. Your number one priority at that time will be developing a routine, particularly a sleep routine -- both for you and the kid. Your kid might be a "trick baby," i.e., one that sleeps through the night at 6 weeks and is basically chill. Or...
by Rupert
Fri Nov 09, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Appealing Insurance Dental Claim Decision
Replies: 10
Views: 833

Re: Appealing Insurance Dental Claim Decision

krafty81 wrote:
Fri Nov 09, 2018 4:06 pm
Why go out of network at all? Travel?
In my city, the only dentists who are in network with any dental plan work for the sorts of clinics you might find in areas where Medicaid is the predominant insurance policy. I don't think my city is unusual in that regard.
by Rupert
Fri Nov 09, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - Multiple Scenarios
Replies: 7
Views: 640

Re: Health Insurance - Multiple Scenarios

Yeah, I was curious whether that $1850 figure was for the HSA plan or the PPO plan because that price jump does seem weird for a group plan.
by Rupert
Fri Nov 09, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 107
Views: 4121

Re: Point and shoot camera

Exactly! But then you are changing the parameters of the discussion by introducing used equipment in the picture. I am not sure why people are bringing mirror-less or APS-C cameras or bridge cameras in to this discussion. I don't think those are termed as P&S cameras by lay person. My definition (w...
by Rupert
Fri Nov 09, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Help. They are removing index funds.
Replies: 56
Views: 4000

Re: 401k Removed Index Funds

I actually wouldn't be afraid to bring up the lawsuits. That's exactly how I convinced the Board of Directors of my firm to completely overhaul our retirement plan. But how the lawsuits are brought up is key. She has to mention the lawsuits without being perceived as threatening a lawsuit. I find th...
by Rupert
Fri Nov 09, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 107
Views: 4121

Re: Point and shoot camera

did you peruse all the sub sections? https://thewirecutter.com/reviews/best-point-and-shoot-under-500/ if you dont want to spend more than $500, then there really is no difference between your phone and a dedicated camera... The phone can take very nice photos, but I am used to the feel of a camera...
by Rupert
Fri Nov 09, 2018 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance through Work
Replies: 4
Views: 372

Re: Term Life Insurance through Work

Buy term life outside of work. Otherwise you'll lose your insurance if you lose your job, and you may have developed health conditions that make you un-insurable in the private market when that happens. Check out term4sale.com. Also buy term insurance on your wife. The work she does at home is valua...
by Rupert
Fri Nov 09, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 107
Views: 4121

Re: Point and shoot camera

I was recently researching this question myself and found this website to be very helpful: https://independenttravelcats.com/best-compact-camera-travel-point-and-shoot-cameras/ I think in point and shoots today the two big factors for most amateur photographers, technologically speaking, are going t...
by Rupert
Thu Nov 08, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Best LSAT course?
Replies: 20
Views: 1004

Re: Best LSAT course?

to those of you who have taken the test, how many hours of studying elapsed before "you just got it", kinda like having things slow-down bullet-time style, metaphorically speaking. I remember when I was preparing for the old (1600-scale) SAT's, somewhere after memorizing a good bit of vocab and doi...
by Rupert
Thu Nov 08, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: HIPAA Information available to out of town ER or not?
Replies: 19
Views: 874

Re: HIPPA Information available to out of town ER or not?

Some providers read more into HIPAA than is actually there. It is partly a CYA thing and partly a genuine effort to comply with the law thing. I often have to request medical records of my clients. Some facilities/providers will accept a one-sentence waiver signed by the client (e.g., "I waive my ri...
by Rupert
Thu Nov 08, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Best LSAT course?
Replies: 20
Views: 1004

Re: Best LSAT course?

I did the self-study method. I bought a couple of the self-study guides and as many past tests as they would sell me. The past tests were the key, as the questions repeat over and over again over the years. The content of the questions changes, but the structure and type of questions repeats. Once y...
by Rupert
Wed Nov 07, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: cost to rebuild hvac return in crawl space
Replies: 8
Views: 811

Re: cost to rebuild hvac return in crawl space

Ductwork is expensive. I paid almost that much a few years ago just to have the trunk lines replaced in my crawlspace. They re-used the existing branch lines. They also sealed everything up nicely. Every HVAC contractor I've talked to since (and I've seen a half-dozen or so different ones because I ...
by Rupert
Wed Nov 07, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Christmas gift suggestions for 2.5 year old?
Replies: 20
Views: 930

Re: Christmas gift suggestions for 2.5 year old?

I surrendered in the battle with my mother over this issue long ago. Some people just like to give gifts. My mother, in particular, likes to watch the kids open the gifts. If your kid's grandparents are like that, you're never going to talk them out of gifting without hurting their feelings and dama...
by Rupert
Wed Nov 07, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Need help! 3 HVAC intstallation quotes
Replies: 21
Views: 1200

Re: Need help! 3 HVAC intstallation quotes

Thanks, is Lennox superior to Trane? OR vice versa? I've never heard of Goodman. Do we get tax credits for getting a new HVAC system? Goodman is a good brand. Comparable to Lennox and Trane, IMHO. All 3 brands are good, and I wouldn't rank one over the others. There are some federal tax credits, bu...
by Rupert
Wed Nov 07, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Need help! 3 HVAC intstallation quotes
Replies: 21
Views: 1200

Re: Need help! 3 HVAC intstallation quotes

Since you're selling the house in the spring, I'd get the cheapest one. Those are all brand-name units. But how old is the old unit, and what exactly did the servicemen say was wrong with it? I don't trust the opinions of any HVAC person associated with one of the big HVAC unit companies anymore. Th...
by Rupert
Wed Nov 07, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: cancer / retirement / medical insurance /social security
Replies: 6
Views: 600

Re: cancer / retirement / medical insurance /social security

It's not true that you can't collect disability benefits if you're over age 65. You can collect disability benefits up to full retirement age. And you should choose disability over retirement benefits if under full retirement age because the monthly disability benefit will be higher than the monthly...
by Rupert
Tue Nov 06, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Appealing Insurance Dental Claim Decision
Replies: 10
Views: 833

Re: Appealing Insurance Dental Claim Decision

All out-of-network coverage that I'm familiar with (both health and dental) pays only an amount that the insurance company deems reasonable, which is why balance billing is a thing. Was the "benefits packet" or "benefits manual" that she read written by the insurance company or the employer? If the ...
by Rupert
Tue Nov 06, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking lot loan to build house
Replies: 19
Views: 1321

Re: Seeking lot loan to build house

Sell the current house. With cash in hand, buy the lot. (I know you're in a HCOL and that's very foreign to me, but that sure is a lot of house for a $120k salary. I agree with others that you need more income before the dream house makes any kind of sense.)
by Rupert
Tue Nov 06, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Tips on alleviating caffeine withdrawal symptoms?
Replies: 18
Views: 1227

Re: Tips on alleviating caffeine withdrawal symptoms?

I know of no way to drink caffeine without some risk of becoming addicted to caffeine, if that's what you're asking. On days you don't want to drink coffee, you'll have to get your caffeine fix a different way, e.g., tea, soda, pills (although I strongly discourage use of those), to avoid those head...
by Rupert
Tue Nov 06, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Ok to remove collision coverage?
Replies: 13
Views: 1018

Re: Ok to remove collision coverage?

There are many prior threads on the topic of when/whether to drop collision which you may find helpful. Two considerations I don't see mentioned in your post or the other posts are: (1) Rental car coverage. Having your own collision coverage allows you to forego collision coverage at the rental car ...
by Rupert
Mon Nov 05, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Using drug discount coupons affecting deductible?
Replies: 26
Views: 1588

Re: Using drug discount coupons affecting deductible?

My drug manufacturer gets around the primary/secondary issue by issuing Mastercard debit cards to participants in its co-pay assistance plan. So the card is not run as insurance at all. It is run as a credit card (pin-less debit) by the pharmacy. It is, essentially, a gift to patients to assist them...
by Rupert
Sun Nov 04, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4105

Re: Mice

A cat.
by Rupert
Sun Nov 04, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Softest Fabric or Brand for a Lady's Nightgown?
Replies: 10
Views: 997

Re: Softest Fabric or Brand for a Lady's Nightgown?

Garnet Hill is rather famous for its flannel and pima cotton sleepwear. garnethill.com
by Rupert
Fri Nov 02, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: HealthCare 2019 - No ACA Subsidy
Replies: 55
Views: 3933

Re: HealthCare 2019 - No ACA Subsidy

I don't understand. Why do you think the plan wouldn't cover a rotator cuff surgery? (after the deductible) The insurer only knocked it down to a few thousand b/c that was the negotiated rate. It's a pre-existing condition because he's had rotator cuff surgery in the past. Another problem with thes...
by Rupert
Fri Nov 02, 2018 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Does a 529 plan make sense for single 37-year-old with no children?
Replies: 6
Views: 675

Re: Does a 529 plan make sense for single 37-year-old with no children?

Scenario 1 - I have kids 1. How would I go about letting my future children use these funds? Are there tax implications? 2. Are there advantages/disadvantages to not waiting to list my (future) children as the beneficiaries (e.g., for scholarship/grant purposes)? Scenario 2 - I don't kids 3. Could ...
by Rupert
Fri Nov 02, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: The most you ever paid for a prescription
Replies: 80
Views: 3534

Re: The most you ever paid for a prescription

Edited to add that the drug manufacturer in this instance spent the 2nd most of all pharmaceutical companies for lobbying in 2017. Big Pharma is by far the largest lobbying group in the U.S. Also the big pharmacy benefits “negotiators” have interests aligned with the pharmaceutical industry and hea...
by Rupert
Fri Nov 02, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: 45% increase in marketplace insurance
Replies: 72
Views: 4135

Re: 45% increase in marketplace insurance

I am also not quite sure how the age words on the small group. Do they use the average age of employees or does each employee get a different rate? I was thinking more of the old school employer offered health insurance were we all paid the same no matter what. In small group plans, the insurer det...
by Rupert
Fri Nov 02, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Florida transportation between coasts
Replies: 17
Views: 1183

Re: Florida transportation between coasts

Check out ourbus.com
by Rupert
Fri Nov 02, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: HDHP vs. PPO new family
Replies: 7
Views: 374

Re: HDHP vs. PPO new family

You'd need to tell us more about the two options -- monthly premiums, deductibles, out of pocket maximums, provider networks, drug coverage, etc. -- for us to help you in any meaningful way. I think prior threads on this topic here at Bogleheads have illustrated that most people do better under the ...
by Rupert
Fri Nov 02, 2018 9:44 am
Forum: Personal Finance (Not Investing)
Topic: 45% increase in marketplace insurance
Replies: 72
Views: 4135

Re: 45% increase in marketplace insurance

FWIW for a family of 3 i paid 1200/month for cobra 10 years ago. Paying 2k month isnt a shockingly high number. It is just an expense people are not used to seeing. Yep. People like to blame the ACA, but the real problem is the cost of healthcare. Insurance was expensive before the ACA existed beca...
by Rupert
Thu Nov 01, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: 45% increase in marketplace insurance
Replies: 72
Views: 4135

Re: 45% increase in marketplace insurance

OP, are you a member of any associations that offer group coverage to members? I, for example, just got an email today from my local bar association announcing that they are trying to put together a group plan through BCBS that would be available to any member of the local bar. This sort of associat...