Search found 4089 matches

by Rupert
Thu Mar 07, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: If you have a serious health problem, do you retire or?
Replies: 50
Views: 6382

Re: If you have a serious health problem, do you retire or?

You're lucky if you have a choice. I came down with a serious debilitating health problem in my early 30s. Continuing to work wasn't an option. Your circumstances usually make the decision for you and your family. Is it true that you can apply for disability benefits if you become unable to work wh...
by Rupert
Wed Mar 06, 2019 7:45 pm
Forum: Personal Consumer Issues
Topic: If you have a serious health problem, do you retire or?
Replies: 50
Views: 6382

Re: If you have a serious health problem, do you retire or?

I think it totally depends on where you are in your life when you get the diagnosis, i.e., are you young and still supporting a family or older and near retirement anyway, and on how you have lived your life. Alex Trebek, I imagine, has lived a good life, by which I mean he presumably has the resour...
by Rupert
Wed Mar 06, 2019 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance and Genetic Testing
Replies: 29
Views: 2189

Re: Term Life Insurance and Genetic Testing

gtd98765 wrote:
Wed Mar 06, 2019 2:54 pm

However, that was enough for the term insurance to bump her down from Preferred Plus (what I am) to just Preferred.
How did the life insurance company find out about the test?
Wouldn't the results be in the OB/GYN's file?
by Rupert
Wed Mar 06, 2019 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance and Genetic Testing
Replies: 29
Views: 2189

Re: Term Life Insurance and Genetic Testing

I would try to get insurance on your wife now. She could develop complications during pregnancy, e.g., gestational diabetes or pre-eclampsia, that could forever impact the cost of insuring her. The later into her pregnancy you wait to apply, the more likely she'll have developed a complication (or j...
by Rupert
Fri Mar 01, 2019 5:10 pm
Forum: Personal Investments
Topic: Trying to Construct 3 fund in 401k with no good bond options
Replies: 15
Views: 620

Re: Trying to Construct 3 fund in 401k with no good bond options

Those fixed income ERs aren't actually that bad within the total universe of 401k options and both fixed income funds have good performance. I would use the Baird one (BCOIX) +1. Only here at Bogleheads would the Baird bond fund with the .3 expense ratio be considered expensive. I'd be willing to b...
by Rupert
Fri Mar 01, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: House Cost Basis Questions
Replies: 30
Views: 1480

Re: House Cost Basis Questions

Note that if you live in a home for decades and replace the HVAC unit multiple times, you can only include the last unit in your basis. You can't add all those units together and include them in basis. Again, IRS publication 523 makes this pretty clear.
by Rupert
Fri Mar 01, 2019 10:50 am
Forum: Personal Finance (Not Investing)
Topic: House Cost Basis Questions
Replies: 30
Views: 1480

Re: House Cost Basis Questions

See page 9 here: https://www.irs.gov/pub/irs-pdf/p523.pdf I keep meaning to organize my files before I lose them. I was planning on claiming my A/C replacement. Replacing ac is maintenance, not capital improvement. Adding ac when you had none before adds to basis. Agree. Key word is replacing. Dott...
by Rupert
Fri Mar 01, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: House Cost Basis Questions
Replies: 30
Views: 1480

Re: House Cost Basis Questions

Yes, the IRS explicitly says: "Improvements add to the value of your home, prolong its useful life, or adapt it to new uses. You add the cost of additions and improvements to the basis of your property." It then identifies heating systems, central air conditioning systems, ductwork and furnaces in a...
by Rupert
Fri Mar 01, 2019 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Do you think I need disability insurance?
Replies: 11
Views: 769

Re: Do you think I need disability insurance?

Yes, good call. People tend to underestimate the myriad ways in which a person can become disabled. Chronic pain conditions, e.g., rheumatoid arthritis and fibromyalgia; psychological conditions, e.g., depression; and treatments for all sorts of conditions, e.g., cancer therapy, can render one unabl...
by Rupert
Fri Mar 01, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: Priority boarding - Why?
Replies: 147
Views: 8290

Re: Priority boarding - Why?

I wish they would do away entirely with carry on luggage and give every one free bag check. It is a mess with both boarding and off-boarding taking enormous amount of time and the bags can be dangerous when they are humongous and heavy. Amen on this. +1-2-3 This is you whole solution. No carry on b...
by Rupert
Fri Mar 01, 2019 7:33 am
Forum: Personal Consumer Issues
Topic: Priority boarding - Why?
Replies: 147
Views: 8290

Re: Priority boarding - Why?

Aside from (often) scarce overhead bin space, I feel anxious when sitting at the gate while boarding is underway. I feel more relaxed and settled once I reach my seat and stow my bag. +1. Me too. There's something about that chaotic setting that triggers the flight or fight response in me. I litera...
by Rupert
Thu Feb 28, 2019 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Help! At Fault’s Insurance Company Refusing to Pay Diminished Value
Replies: 55
Views: 5031

Re: Help! At Fault’s Insurance Company Refusing to Pay Diminished Value

It is s true statement that insurance companies rarely pay diminished value on a vehicle that has already been in an accident. It is also true that your own insurance company never pays diminished value on a vehicle you own. Not sure why but that is true. DV is not typically included in collision/c...
by Rupert
Thu Feb 28, 2019 10:50 am
Forum: Personal Consumer Issues
Topic: 30 year old water heater, should I be worried?
Replies: 73
Views: 4084

Re: 30 year old water heater, should I be worried?

I would replace a 30-year-old water heater located in living space. If it were in an unfinished basement or other location where a catastrophic failure would cause little to no damage, I'd leave it alone.
by Rupert
Thu Feb 28, 2019 10:44 am
Forum: Personal Investments
Topic: SAHM 401K Portfolio Advice
Replies: 12
Views: 1447

Re: SAHM 401K Portfolio Advice

I agree that you're making things overly complex. You only need 4 funds: S&P 500 index, extended market index, total bond market index, and total international index. Did Vanguard really make those recommendations to you? If so, that surprises me. Typically, when you choose a target retirement fund,...
by Rupert
Wed Feb 27, 2019 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: How long should a bodily injury claim take to settle?
Replies: 62
Views: 3015

Re: How long should a bodily injury claim take to settle?

Would you mind posting links to the specific resources you used to successfully navigate this process on your own? In particular, I'm interested in the specific sites that allowed you to accurately determine "how much similar claims with similar fact patterns pay" and identify that your settlement ...
by Rupert
Wed Feb 27, 2019 1:25 pm
Forum: Personal Investments
Topic: Should I sell I-bonds to get 6.75% [in Pakistan bonds?]
Replies: 40
Views: 3276

Re: Should I sell I-bonds to get 6.75%

Pakistan itself has defaulted in the last two decades. See https://www.investopedia.com/articles/investing/102413/why-and-when-do-countries-default.asp . Other countries that have done it include Russia, Argentina, Greece. When you say "default", does that mean not paying the interest or not paying...
by Rupert
Wed Feb 27, 2019 12:14 pm
Forum: Personal Investments
Topic: Should I sell I-bonds to get 6.75% [in Pakistan bonds?]
Replies: 40
Views: 3276

Re: Should I sell I-bonds to get 6.75%

Those are very low interest rates for bonds from a country that needs And is actively negotiating an IMF bailout. It seems like quite a bit of credit risk for the yield on offer. Can you elaborate on what exactly is the risk please? Also, any recent examples of this type of risk actually happening?...
by Rupert
Wed Feb 27, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: HOA wants to install speed bumps that my car won't clear
Replies: 50
Views: 5143

Re: HOA wants to install speed bumps that my car won't clear

OP has said his vehicle clearance is lower than the original design. I would think there are probably a stack of regulations a mile high concerning the installation of speed bumps. I don't see where OP will have much recourse as his vehicle has been modified, and standards are most likely well esta...
by Rupert
Wed Feb 27, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Is Hyundai the value sweet spot?
Replies: 124
Views: 9807

Re: Is Hyundai the value sweet spot?

So about this alleged huge disparity in resale value between, say, Toyotas and Hyundais . . . I was curious so went to Carmax to see how they're pricing comparable 10-year-old compact SUVs. Ten years is how long I and many other Bogleheads seem to keep cars when we buy them new. I found a 2010 Hyund...
by Rupert
Tue Feb 26, 2019 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Employer wont allow 401K catch up contributions!
Replies: 14
Views: 1625

Re: Employer wont allow 401K catch up contributions!

The highly-compensated employee rules don't apply to catch-up contributions, i.e., even HCEs get to make catch-up contributions on top of whatever regular contribution they're allowed to make. So it really makes zero sense not to allow them.
by Rupert
Tue Feb 26, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: Anyone Keep a Second Fridge in Garage?
Replies: 56
Views: 4129

Re: Anyone Keep a Second Fridge in Garage?

You can find small refrigerators made for apartments and RVs that are a size in between a normal kitchen refrigerator and a dorm refrigerator. Alternatively, you can buy a small chest-style deep freezer for meat and just use coolers with ice when you need cold beer for a party. I would not want an o...
by Rupert
Tue Feb 26, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: How often do you and your friends change engine oil?
Replies: 167
Views: 8133

Re: How often do you and your friends change engine oil?

I change mine when the "Change Engine Oil Soon" message appears on the screen. That's fine except for those who drive very few miles, where the manufacturer says "change at xxx miles, or annually, whichever comes first". You know those idiot lights (messages) are not programmed for the "or annually...
by Rupert
Tue Feb 26, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: Is Hyundai the value sweet spot?
Replies: 124
Views: 9807

Re: Is Hyundai the value sweet spot?

pretty sure most/many (if not all) Hyundais run interference engines which means if you don't replace the timing belt at the 60k interval, and it snaps, your engine will be damaged, often beyond repair. Set aside $1000+ for belt replacement if you are purchasing one. 60k comes quickly. You'll also ...
by Rupert
Tue Feb 26, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Help with Onerous SSI Redetermination Visits
Replies: 13
Views: 1086

Re: Help with Onerous SSI Redetermination Visits

Have you considered having yourself or your spouse appointed as the representative payee for your parents in law? If that is done, I believe SSA will interview you in lieu of the parents in law going forward. See https://www.specialneedsalliance.org/the-voice/representative-payee-for-social-security...
by Rupert
Mon Feb 25, 2019 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Call from SSA office
Replies: 22
Views: 2506

Re: Call from SSA office

Received automated calls from 2 different toll-free numbers today. The voice, identified himself from Social Security Administration (SSA), informed me that there is some suspicious activity using my SSN and so they have suspended my account. It also asked me to press 1 to proceed further. I ignore...
by Rupert
Mon Feb 25, 2019 4:49 pm
Forum: Personal Consumer Issues
Topic: Is Hyundai the value sweet spot?
Replies: 124
Views: 9807

Re: Is Hyundai the value sweet spot?

For just about every car make and model, you'll get one good anecdote for every bad and vice versa. To counter the one immediately above me, my MIL put over 250,000 miles on her circa 2008 V6 Tucson before the electrical system finally crapped out on it. Honda currently has major issues with the CRV...
by Rupert
Mon Feb 25, 2019 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Recently married, confused about W4 withholding
Replies: 3
Views: 274

Re: Recnelty married, confused about W4 withholding

Usually you would only withhold at the higher single rate if both spouses are working or if the sole working spouse has more than one employer. What circumstances in your life make you think it would make sense to withhold at the higher rate? Stated another way, what makes you second-guess the withh...
by Rupert
Mon Feb 25, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: Is Hyundai the value sweet spot?
Replies: 124
Views: 9807

Re: Is Hyundai the value sweet spot?

I do think Hyundai is a good value right now, especially if you buy a new one from a dealer who offers the lifetime warranty. Most (all?) Hyundai SUVs have timing chains now, so not sure what relevance the prior post about interference engines has.
by Rupert
Sat Feb 23, 2019 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: 401k vanguard expense ratios??? [Employer plan fees]
Replies: 5
Views: 256

Re: 401k vanguard expense ratios??? [Employer plan fees]

Is Vanguard providing the advisory services, or is this an independent outfit? Just fyi: My small company (fewer than 20 employees) pays our advisor a flat quarterly fee. I think it's around $1500/quarter. For that fee we get a quarterly monitoring report, recommendations regarding switching of fund...
by Rupert
Sat Feb 23, 2019 11:31 am
Forum: Personal Finance (Not Investing)
Topic: How long should a bodily injury claim take to settle?
Replies: 62
Views: 3015

Re: How long should a bodily injury claim take to settle?

For those who said the attorney will bring a larger settlement (more than enough to cover fees), how do any of you know this is true? No one that goes through an attorney knows how much an insurance adjuster would have paid if they did not use an attorney. And no one who negotiates a settlement on ...
by Rupert
Fri Feb 22, 2019 2:27 pm
Forum: Personal Consumer Issues
Topic: Touring Southern Utah national parks by RV: RV park recommendations
Replies: 5
Views: 280

Re: Touring Southern Utah national parks by RV: RV park recommendations

When are you going to squeeze in the Grand Canyon? As the prior poster noted, the north rim won't be open until May 15, so it may be a long detour.
by Rupert
Fri Feb 22, 2019 12:43 pm
Forum: Personal Consumer Issues
Topic: Montessori Preschool: Good or Bad
Replies: 23
Views: 2196

Re: Montessori Preschool: Good or Bad

Be careful. Any school can call itself a Montessori school because there are no restrictions on doing so. See https://slate.com/human-interest/2018/12/fake-montessori-schools-finding-best-preschool.html As for the Montessori method, meh. It wasn't a good fit for my kids, but it may be for yours. My ...
by Rupert
Fri Feb 22, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: How did mylife.com get my info?
Replies: 115
Views: 9699

Re: How did mylife.com get my info?

I do not use any social media -- Facebook, Instagram, Twitter, etc. -- and my information is still on all of these data broker sites. They're getting it from a multitude of sources. Wasn't so long ago that I could have gotten your social security number from looking you up on Lexis Nexis, another da...
by Rupert
Thu Feb 21, 2019 3:22 pm
Forum: Personal Consumer Issues
Topic: How did mylife.com get my info?
Replies: 115
Views: 9699

Re: How did mylife.com get my info?

You can pay a service such as DeleteMe at Abine.com to scrub (most) of your info from the internet. There's no way to entirely delete yourself. That ship has sailed. Edited to add: MyLife is a data broker. So are sites such as Spokeo and WhitePages.com. They gather your information from a multitude ...
by Rupert
Thu Feb 21, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: Robocall from someone in my phone contacts?
Replies: 24
Views: 1842

Re: Robocall from someone in my phone contacts?

Heard a news story the other day -- NPR, I think -- about a prediction that more than half of all cellphone calls will be spam by the end of 2019. The cellphone companies are apparently meeting with the government to discuss solutions. I won't be holding my breath (or answering my phone).
by Rupert
Thu Feb 21, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Aging Parents & Finances
Replies: 43
Views: 4345

Re: Aging Parents & Finances

People sometimes respond better when news is delivered by a neutral third party (not family). So, yes, seeing an elder care attorney or estate planning attorney with knowledge of Medicaid rules would be a good idea. Under no circumstances should they start transferring assets to you without educatin...
by Rupert
Thu Feb 21, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Robocall from someone in my phone contacts?
Replies: 24
Views: 1842

Re: Robocall from someone in my phone contacts?

I once got a robocall from my own phone number.
by Rupert
Thu Feb 21, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: Where online to see real costs of new cars?
Replies: 6
Views: 769

Re: Where online to see real costs of new cars?

Edmunds.com. To really understand what you should pay for a car, though, you need a list of items the dealer added to the car after it was shipped to them from the manufacturer. Dealers almost always add stuff (cargo racks, etc.) to make it harder for you to play one dealer off another, i.e., no two...
by Rupert
Thu Feb 21, 2019 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Do we need a will/trust/etc?
Replies: 59
Views: 3821

Re: Do we need a will/trust/etc?

I'm no estate planning attorney, but I think some of the most recent posters are a bit off in their advice re what a "guardian" can do with a child's money if a deceased parent's will does not create a trust. Some reading up on the Uniform Transfers to Minors Act (applies everywhere except South Car...
by Rupert
Wed Feb 20, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: purchasing new furnace tips
Replies: 35
Views: 1760

Re: purchasing new furnace tips

sil2017 wrote:
Wed Feb 20, 2019 2:02 pm
sorry just the ducts with the asbestos in the attic for $850
Did this quote come from the HVAC guy, who likely isn't licensed to remove or dispose of asbestos, or an asbestos abatement company, that is licensed to remove and dispose of asbestos? You do not want to skimp on removing asbestos.
by Rupert
Wed Feb 20, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: purchasing new furnace tips
Replies: 35
Views: 1760

Re: purchasing new furnace tips

I keep telling my wife we need to sell before it's time for a new furnace, new sewer lines, new roof etc... Our home, purchased in 1982, was built in 1947. It's probably not original to the house, but the forced air furnace is UNDER the house. To change filters, I have to slither like snake under t...
by Rupert
Wed Feb 20, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: purchasing new furnace tips
Replies: 35
Views: 1760

Re: purchasing new furnace tips

I wouldn't want asbestos-wrapped ductwork in my house if safely removing it was an option. Intellectually I know that it's not dangerous if in good condition, but emotionally I just wouldn't want it in my house. I had asbestos-wrapped ductwork and an old asbestos-lined furnace removed from my baseme...
by Rupert
Tue Feb 19, 2019 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting for new immigrant dad health care
Replies: 22
Views: 1451

Re: Budgeting for new immigrant dad health care

There have been prior threads on this topic. See, e.g.: https://www.bogleheads.org/forum/viewtopic.php?t=253715 https://www.bogleheads.org/forum/viewtopic.php?t=177430 https://www.bogleheads.org/forum/viewtopic.php?t=133456 HueyLD is correct that it's impossible to answer your questions re cost. The...
by Rupert
Tue Feb 19, 2019 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Old car repair.. Justifiable?
Replies: 14
Views: 968

Re: Old car repair.. Justifiable?

Have a mechanic fix the car. Start saving to replace the car within two years. At that time, buy something suitable for hauling the kid around because there will be occasions when that is necessary whether you like it or not (as the prior poster noted).
by Rupert
Tue Feb 19, 2019 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Do we need a will/trust/etc?
Replies: 59
Views: 3821

Re: Do we need a will/trust/etc?

This may sound a bit macabre, but I find it to be a useful thought experiment: When I was a kid, my uncle was killed in a car accident as he drove to work one foggy morning. My aunt was at home alone, getting ready for work herself, when the State Trooper knocked on her door to deliver the news. The...
by Rupert
Sun Feb 17, 2019 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Economic vacation spots with a 3 year old
Replies: 6
Views: 423

Re: Economic vacation spots with a 3 year old

Young kids are happy at any hotel with a pool and a continental breakfast (which is full of the sugary cereal they don't get at home). They typically enjoy the gift shops of museums and other attractions more than the museums and attractions themselves. So when my kids were that age, we used to joke...
by Rupert
Sun Feb 17, 2019 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Stolen check, what should I do?
Replies: 18
Views: 1500

Re: Stolen check, what should I do?

I wouldn't change my account number in these circumstances, but I would watch the account closely for a while and keep a minimal amount of money in there (which is wise for checking accounts anyway). I would also advise the landscaper that his negligence in leaving my check in his truck had cost me ...
by Rupert
Sat Feb 16, 2019 9:37 am
Forum: Personal Consumer Issues
Topic: Renting a car for 30 days or more
Replies: 11
Views: 1090

Re: Renting a car for 30 days or more

Note that most rental car insurance coverage provided by credit cards will not cover a rental of that length. Just something to be aware of.
by Rupert
Fri Feb 15, 2019 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone ever heard of an unsolicited retroactive pay raise?
Replies: 24
Views: 1949

Re: Anyone ever heard of an unsolicited retroactive pay raise?

My guess would be that someone -- another female employee -- has won an EEOC claim against them and that this is, as the prior poster said, a compliance issue.
by Rupert
Fri Feb 15, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: Building a home
Replies: 31
Views: 2522

Re: Building a home

I think you should have told us how high-end these houses are in your first post. At that price point, many of the previous comments (about the cost of finishes driving up the total cost, etc.) simply don't apply. All houses at that price point will have top-notch finishes.