Search found 3531 matches

by Rupert
Sun Sep 23, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: When is it OK to not go through car insurance after you've been hit?
Replies: 12
Views: 1109

Re: When is it OK to not go through car insurance after you've been hit?

Get a written estimate for the repairs. Give the estimate to the friend and ask her if she wants to pay cash or if she wants you to file a claim on her insurance.
by Rupert
Sun Sep 23, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 41
Views: 3342

Re: Minimalist Lifestyle

Follow the in/out rule: Every time you buy something new get rid of something old. When I buy a new shirt, I throw out or donate an old shirt. When I buy a new pair of shoes, I throw out or donate an old pair of shoes. Could I live out of a suitcase? In an end-of-the-world scenario, sure. But that's...
by Rupert
Fri Sep 21, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5162

Re: State Farm nickel-and-diming me

Does anyone have any direct experience filing a diminished value claim? I've done some reading, but I assume State Farm will likely just ignore me in the hope that I go away. I'm not sure if I should just bring it up over the phone, send them a certified letter, or what? I do but not with State Far...
by Rupert
Fri Sep 21, 2018 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: New car - 0% loan or $500 rebate
Replies: 26
Views: 1933

Re: New car - 0% loan or $500 rebate

You don’t need to have some car salesman giving you options. Send an email to 4 dealers with your specs (don’t use the manufacturers online configuration code) and tell them you’re paying cash. Buy from the lowest bidder. purchasing cash doesn't entice a dealer to give you the best deal. If anythin...
by Rupert
Fri Sep 21, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Can we use a 529 plan to pay for tuition for daycare and PreK programs ?
Replies: 20
Views: 6767

Re: Can we use a 529 plan to pay for tuition for daycare and PreK programs ?

Contributions are after tax at the federal level, while there may be some savings at the state level. I think for people who were not going to save for college in a 529, the savings at the state level are the benefit. They'll use the 529 as a pass-through account solely for purposes of taking advan...
by Rupert
Thu Sep 20, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Painting kitchen cabinet
Replies: 23
Views: 1276

Re: Painting kitchen cabinet

I wouldn't recommend trying to stain them. Cabinets that were painted originally likely are made of paint-grade wood that won't look good when stained. I would instead re-paint them to your liking. It's best to spray the cabinet doors and drawer fronts because brush strokes are going to be more obvi...
by Rupert
Thu Sep 20, 2018 8:19 am
Forum: Personal Finance (Not Investing)
Topic: social security disability
Replies: 13
Views: 1100

Re: social security disability

Yes, he should apply for disability. If for no other reason it gets him on Medicare sooner. A 61-year-old man with documented congestive heart failure who worked a blue-collar job and was fired due to his physical impairment should have a fairly easy time qualifying for disability. It's not a quick ...
by Rupert
Wed Sep 19, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Insurance slow to pay claims post accident - options?
Replies: 5
Views: 471

Re: Insurance slow to pay claims post accident - options?

Given the situation involves felony charges (due to the amount of inflicted damage), would the State AG's office be an avenue? What about the Federal Consumer Financial Protection Bureau? I'm not opposed to send a certified letter of a concerned policy holder to the CEO (not that would help). I'm w...
by Rupert
Wed Sep 19, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Does this job exist (another want-to-quit-corporate-world thread)?
Replies: 35
Views: 3613

Re: Does this job exist (another want-to-quit-corporate-world thread)?

There's a tremendous need for forensic IT investigators/analysts in my city. You could set up a private company doing as much or as little of that sort of work as you'd like. It's sort of like being a private eye, but with computers. My law firm has a guy who does this stuff in house for us, but the...
by Rupert
Wed Sep 19, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5162

Re: State Farm nickel-and-diming me

If you believe by some magical protective cloak that your insurance company does not already know about the accident, I have a bottle of pixie dust I'll sell you. Just stop it. Let your insurance company handle the whole thing. I've had similar kinds of accidents. I report it to MY insurance compan...
by Rupert
Wed Sep 19, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5162

Re: State Farm nickel-and-diming me

Not sure why you aren't getting your insurance company involved. It's not like they can not find out about it. Some policies require you to report all claims. I don't know if it works differently in different states or with different insurance companies but in a recent accident I had (other driver ...
by Rupert
Tue Sep 18, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance...Social Security also pays?
Replies: 25
Views: 1447

Re: Life Insurance...Social Security also pays?

These are called social security survivor benefits, and, yes, you should factor them into your decision re how much life insurance you need. Note that the benefits are limited not just by the dollar amounts you quoted but also by age: your child's benefits stop at age 18 (19 if still in secondary sc...
by Rupert
Tue Sep 18, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: 38% pay cut for dream job?
Replies: 61
Views: 5122

Re: 38% pay cut for dream job?

Go for it. It's not a life sentence. It's a job you can quit if it doesn't work out. I've known a number of people who were either FSOs themselves or are the children of FSOs. They're all outstanding people (smart, curious about the world), which has led me to believe (based on anecdotal evidence an...
by Rupert
Tue Sep 18, 2018 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Does this job exist (another want-to-quit-corporate-world thread)?
Replies: 35
Views: 3613

Re: Does this job exist (another want-to-quit-corporate-world thread)?

The recent (and terrible) hurricane Florence has me wondering about becoming an insurance adjuster. I know many are contractors -- how hard is it to break into this job? I don't know about the contractors, but I've applied to some adjuster positions. A lot of the reviews online sound like they are ...
by Rupert
Mon Sep 17, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Gas leak detector?
Replies: 21
Views: 1105

Re: Gas leak detector?

I'm curious if a gas detector would alert before a carbon monoxide detector would. I once smelled gas in my living room and traced it (via my nose) to a valve on an old line running to gas logs in my fireplace. I used the dish soap bubble test to confirm it was a leak and called a plumber to cap tha...
by Rupert
Mon Sep 17, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Provding SSN for Estate Planning--Why?
Replies: 22
Views: 1634

Re: Provding SSN for Estate Planning--Why?

Here's a prior thread on the topic: https://www.bogleheads.org/forum/viewtopic.php?t=164139 My opinion? A social security number is not necessary to draw up estate planning documents. It would be needed to deal with government agencies, etc., following your death, but it could be provided at that ti...
by Rupert
Mon Sep 17, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Overnight near Atlanta?
Replies: 30
Views: 1529

Re: Overnight near Atlanta?

I would not stop in Atlanta or in the Atlanta suburbs. In fact, I'd do my best to avoid driving through Atlanta at certain times of day (e.g., 4-7 p.m.). If you want a shorter trip the second day, you'll need to stay south of Atlanta anyway. You'll find all the usual chain hotels and restaurants at ...
by Rupert
Sat Sep 15, 2018 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 5390

Re: Employer won't Match 401k. Why?

I tried negotiating for a full match in exchange for a commensurate reduction in nominal salary, but I got nowhere. That would be illegal -- violates ERISA. Generally speaking, they have to provide a match for everyone or no one. (There are some complicated rules relating to, e.g., executive deferr...
by Rupert
Fri Sep 14, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 3788

Re: Is home alarm monitoring worth it?

I think monitoring is more valuable if your smoke/heat detectors are hard-wired into the system and in cities where the police still respond to alarms. In my city, the police respond and generally do so in about 10 minutes. The fire department is even faster (I live very near a fire station). Also, ...
by Rupert
Fri Sep 14, 2018 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: High employer contribution, still max 403b before taxable?
Replies: 30
Views: 1338

Re: High employer contribution, still max 403b before taxable?

Unless you need the liquidity of a taxable account for something in particular you're saving for (e.g. house down payment), yes it's a no-brainer, max out tax-advantaged space first before taxable. Are you 100% sure you can't roll your tIRA into your 403b, to make room for backdoor Roth? Usually on...
by Rupert
Fri Sep 14, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Any options after house fire?
Replies: 4
Views: 454

Re: Any options after house fire?

Are you asking if you are required to rebuild the house? You aren't required to do that, but your insurance settlement will likely be less than if you did rebuild. In other words, under most insurance policies, the insurance company is only required to pay you the full replacement cost of the house...
by Rupert
Fri Sep 14, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Any options after house fire?
Replies: 4
Views: 454

Re: Any options after house fire?

Are you asking if you are required to rebuild the house? You aren't required to do that, but your insurance settlement will likely be less than if you did rebuild. In other words, under most insurance policies, the insurance company is only required to pay you the full replacement cost of the house ...
by Rupert
Thu Sep 13, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: How to set up my own Will
Replies: 5
Views: 491

Re: How to set up my own Will

Given that your beneficiaries are foreign nationals, I don't recommend trying to do this yourself due to the practical (how to get the money to them?) and tax issues that could be involved. You should see a qualified estate planning attorney. (Edited to add: Even an experienced estate planning attor...
by Rupert
Thu Sep 13, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: How to determine quality of a finished new construction home
Replies: 45
Views: 2919

Re: How to determine quality of a finished new construction home

Most builders cut corners somewhere, and they're smart enough to do it in ways you won't notice for years, if ever. They may paint walls without priming them, use cheap sheathing to insulate the home and keep water out, nail (rather than bolt) the framing into the foundation, nail (rather than screw...
by Rupert
Thu Sep 13, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: 2005 honda accord door problems
Replies: 30
Views: 992

Re: 2005 honda accord door problems

I had to replace a couple of door lock actuators on my Acura TSX (first generation, which was just a European Accord) multiple times. That's very likely one of your problems. Between $200-300 to replace it around here, and I guarantee you it'll break again after breaking once. Time to start thinking...
by Rupert
Wed Sep 12, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2721

Re: Picking a Charity

It's a very personal decision. I tend to choose local charities that I feel don't get a lot of attention and that don't constantly bug me for money, e.g., the local public library, local drug rehabilitation programs, local women's shelters, local children's homes.
by Rupert
Wed Sep 12, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Anyone into Essential Oils?
Replies: 40
Views: 2491

Re: Anyone into Essential Oils?

Just say no, misterno.
by Rupert
Wed Sep 12, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: 1 year old birthday
Replies: 42
Views: 1882

Re: 1 year old birthday

Clearly, some people prefer not to make memories with their kids unless their kids will remember it. I don't remember much from before I was 5. By that logic, my parents could have kept me in the basement until then and I'd be none the wiser. I could have done that with my kids. I'd have missed out...
by Rupert
Wed Sep 12, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6483

Re: Hurricane Florence - survival guide

How did the natural gas lines get damaged or water infiltrated? I would assume pipes underground were rather sheltered? I was curious about that too. I found this info at the Dept of Energy website: "Following Hurricane Irene, two local distribution companies—Orange & Rockland (O&R) in New York and...
by Rupert
Wed Sep 12, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: 1 year old birthday
Replies: 42
Views: 1882

Re: 1 year old birthday

Don't have a party. He's one and will neither care about it nor remember any of it. If you simply must organize something, I suggest taking cupcakes and some fruit to daycare and having a little party with his class there.
by Rupert
Wed Sep 12, 2018 6:53 am
Forum: Personal Consumer Issues
Topic: Remodel for aging in place
Replies: 44
Views: 3050

Re: Remodel for aging in place

Well, universal design advocates would build all houses with age-in-place principles in mind. If you think about it, many of the modifications for the aged are also beneficial to small children and certainly the disabled. Grab bars don't have to be ugly. The ones in my bathroom look like, and are pr...
by Rupert
Tue Sep 11, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 59
Views: 3550

Re: How often do you guys get alignment done on your cars?

It depends on where you live. If you live in an area where you need to call Domino's to help fixing the potholes, you will need to get alignment done at least once a year. No kidding. It does indeed. My city is known, affectionately :annoyed , as "pothole city." The alignment shops make a killing a...
by Rupert
Tue Sep 11, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: basic 529 questions for a friend's new born
Replies: 5
Views: 529

Re: basic 529 questions for a friend's new born

Direct your friend to this website: www.savingforcollege.com. It doesn't matter where the baby will grow up and go to college, as most states permit you to invest in out-of-state 529 plans without tax penalty (Alabama is the lone exception, I think). Many states offer state tax deductions for 529 co...
by Rupert
Tue Sep 11, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 59
Views: 3550

Re: How often do you guys get alignment done on your cars?

When I buy new tires or when I notice that the alignment is off (i.e., the car starts pulling to the right or left).
by Rupert
Tue Sep 11, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Mom died, financial guidance welcome.
Replies: 14
Views: 2233

Re: Mom died, financial guidance welcome.

I'm sorry for your loss. Sometime in the next few weeks, someone needs to search through her things for any evidence of a will (e.g., correspondence with an attorney, evidence of a safe deposit box, etc.) and needs to take stock of her financial situation. Make a list of what she owes and to whom. D...
by Rupert
Tue Sep 11, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Remodel for aging in place
Replies: 44
Views: 3050

Re: Remodel for aging in place

Ideally, you need to be able to live entirely on one floor. Bare minimum, you need a bedroom, a full bathroom, the kitchen, and the living room on the same floor. You need to be able to navigate that space easily using a walker or wheelchair, and you need to be able to access that space without clim...
by Rupert
Mon Sep 10, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6483

Re: Hurricane Florence - survival guide

Just fyi for those who don't know about it: I think Dr. Jeff Masters' blog, Category 6 at Weather Underground (https://www.wunderground.com/cat6), is the best source of technical info on the storm. Read through the comments at the end, where both professional and amateur meteorologists talk to each ...
by Rupert
Mon Sep 10, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6483

Re: Hurricane Florence - survival guide

Where do you safely store the gasoline and propane ? And how do you hook an appliance like a refrigerator to the generator. Good questions. This article may help with the gas/propane issue: https://www.popularmechanics.com/science/environment/a7079/the-homeowners-last-minute-hurricane-prep-checklis...
by Rupert
Mon Sep 10, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6483

Re: Hurricane Florence - survival guide

If you put duct tape over the drains in your bathtubs before you fill them, the water won't slowly leak out. And perhaps it goes without saying, but you never know: Use the bathtub water only for flushing toilets and bathing. Either buy drinking water or fill clean containers with drinking water fro...
by Rupert
Mon Sep 10, 2018 7:04 am
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5089

Re: Advice on how to deal with barking dogs

I think there's no way for you to rectify this anonymously. You're already going to be his number one suspect because of the prior letter incident and the call to his mother-in-law. So I would just confront the issue head on. I would first try to have a face-to-face polite conversation with the guy....
by Rupert
Sat Sep 08, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare sharing programs
Replies: 19
Views: 1068

Re: Healthcare sharing programs

The other thing to consider is with normal health insurance not excluding pre existing conditions if something bad did happen that was catastrophic and not covered just get on the exchange and apply for normal insurance. If that initial catastrophe drained the HSA and did bankrupt an individual, yo...
by Rupert
Sat Sep 08, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Buy a house that needs full renovation?
Replies: 40
Views: 1672

Re: Buy a house that needs full renovation?

I, too, would buy the house across the street. I live in a LCOL city and recently spent $25k just gutting and renovating a master bathroom. I can't imagine getting the work you need done for $100k anywhere unless you are able to do a substantial part of it yourself. Once they start opening up walls ...
by Rupert
Sat Sep 08, 2018 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare sharing programs
Replies: 19
Views: 1068

Re: Healthcare sharing programs

There are many prior threads on this topic. You should search for those. The threads always end up being shut down because they become too political. I don't believe we really need to debate their merits again in a new thread.
by Rupert
Fri Sep 07, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: Selling a newish vehicle yourself, how to do it?
Replies: 61
Views: 3052

Re: Selling a newish vehicle yourself, how to do it?

What exactly is OP supposed to do with a car he believes is a lemon but that no one else does, including the manufacturer, the dealer, and the thousands of people who buy CR-Vs each year? Laundering it through Carmax doesn't eliminate the moral issue because Carmax will sell it to some unsuspecting...
by Rupert
Fri Sep 07, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Certified Pre-Owned Cars (CPO): Is this normal?
Replies: 30
Views: 2451

Re: Certified Pre-Owned Cars (CPO): Is this normal?

Most states have a consumer complaint division within their Attorney General's office. I would report the dealer's sales practice as a potentially fraudulent practice. Let the dealer explain the difference between "certified" and "certifiable" to the Attorney General.
by Rupert
Fri Sep 07, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Selling a newish vehicle yourself, how to do it?
Replies: 61
Views: 3052

Re: Selling a newish vehicle yourself, how to do it?

The oil dilution issue isn't a safety issue, is it? If it were, I'd maybe understand the outrage dumped upon OP in this thread. What exactly is OP supposed to do with a car he believes is a lemon but that no one else does, including the manufacturer, the dealer, and the thousands of people who buy C...
by Rupert
Fri Sep 07, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: time for new pair of glasses
Replies: 36
Views: 2502

Re: time for new pair of glasses

You can get an eye exam at Costco without being a member (at least you can at my local store). You do have to be a member to buy glasses there, but the price of the glasses will be so much lower than what you can get at your eye doctor's shop or at a shop such as LensCrafters that it makes the cost ...
by Rupert
Fri Sep 07, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Good place to have a will done
Replies: 6
Views: 740

Re: Good place to have a will done

There are many prior posts here on Bogleheads about using software, such as Nolo Willmaker, to draft a will. You should search for and read those. Personally, I would not recommend using software unless your circumstances are truly simple, i.e., no minor children, no disabled child who might survive...
by Rupert
Thu Sep 06, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 4653

Re: To Be or Not to Be...Married

Marriage definitely benefits men. Married men live longer and tend to have more successful careers than their unmarried peers. Unfortunately, the opposite is true for women. So I'm actually having a hard time coming up with a good argument to convince OP to get married. Love and companionship, I gue...