Search found 2633 matches

by Rupert
Sun Nov 19, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Collection agency calls intended for another person:
Replies: 17
Views: 520

Re: Collection agency calls intended for another person:

There is no central agency and really nothing you can do about this. I share a name with a deadbeat who lives in California. I live on the opposite side of the country and have never shared an address or phone number with this person. Nevertheless I've been receiving collection calls about the perso...
by Rupert
Sun Nov 19, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Insurance claim - what is my obligation?
Replies: 5
Views: 290

Re: Insurance claim - what is my obligation?

No offense, but your opinion doesn't matter. States have laws that govern this. The moving company may very well be entitled to the damaged mattress. They essentially bought it from you when they cut you that check. As a prior poster said, the company may never follow up, but that doesn't mean they ...
by Rupert
Sat Nov 18, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 66
Views: 2335

Re: Risks of Non-ACA Compliant Health Insurance?

3) The true cost of any out of network care. If they will pay something like 80% of what they consider reasonable then you could end up with a $500 bill that they only consider $100 to be reasonable so they pay $80. You end up with the $420 balance. This is what I was getting at in my post above wh...
by Rupert
Fri Nov 17, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 66
Views: 2335

Re: Risks of Non-ACA Compliant Health Insurance?

You could still choose an HDHP and have out-of-network coverage, Where would I find one? The healthcare.gov site only offers the one PPO with no options. The only other choices are EPOs and HMOs. Have you contacted the insurance companies directly? You don't have to buy a policy on the exchange unl...
by Rupert
Fri Nov 17, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 66
Views: 2335

Re: Risks of Non-ACA Compliant Health Insurance?

Postmon wrote:
Fri Nov 17, 2017 2:06 pm
I guess I'm more concerned about a scenario where something major happens and the provider we want to see is not in-network and we're stuck with a mediocre provider.
Then just avoid an HMO. You could still choose an HDHP and have out-of-network coverage, as other posters have noted.
by Rupert
Fri Nov 17, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 66
Views: 2335

Re: Risks of Non-ACA Compliant Health Insurance?

Do look at the PPO issue more closely. A PPO plan does not necessarily protect you more than a good high deductible plan in this regard. I have a platinum-level, employer-provided PPO plan and still pay 20% coinsurance for out-of-state out-of-network services and 50% coinsurance for in-state out-of-...
by Rupert
Fri Nov 17, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Window 10 Update -> Biometric , Cannot log in (Read this)
Replies: 10
Views: 412

Re: Window 10 Update -> Biometric , Cannot log in (Read this)

Was this the Windows Creators update? And can you tell us more about your hardware?
by Rupert
Fri Nov 17, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 66
Views: 2335

Re: Risks of Non-ACA Compliant Health Insurance?

Do you mind if I ask why you insist on a PPO plan if you are all healthy with no pre-existing conditions?
by Rupert
Fri Nov 17, 2017 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: 401k how to reduce or eliminate fees
Replies: 4
Views: 256

Re: 401k how to reduce or eliminate fees

Roll the old 401k over into an IRA with a low-cost provider such as Vanguard or roll it into your current provider's 401k plan if you have one and the fees are lower there.
by Rupert
Fri Nov 17, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Health Plan Comparison- What to Do?
Replies: 2
Views: 349

Re: Health Plan Comparison- What to Do?

All plans do not have the same coverage under the ACA. Deductibles, co-pays, co-insurance, size of provider network, out-of-network coverage, etc., will be different under different plans, and those are factors to consider when comparing plans. When you say you "qualify" for ACA coverage, do you mea...
by Rupert
Fri Nov 17, 2017 7:06 am
Forum: Personal Consumer Issues
Topic: Renting a car from Atlanta GA to Austin TX: $$$
Replies: 33
Views: 1505

Re: Renting a car from Atlanta GA to Austin TX: $$$

Don't pick up the rental car at the airport. Airports charge crazy fees (often +$100 per rental) on rental cars.
by Rupert
Thu Nov 16, 2017 5:55 pm
Forum: Personal Consumer Issues
Topic: Amazon tablet educational children games
Replies: 2
Views: 169

Re: Amazon tablet educational children games

Yes, there are tons of educational apps available. Amazon actually has a really nice feature called Amazon Freetime that you might want to investigate (not sure it would apply to you if you're gifting this tablet). You get a year's subscription free when you buy the children's version of the Kindle ...
by Rupert
Thu Nov 16, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Basement heating
Replies: 12
Views: 707

Re: Basement heating

I recently installed one of these in my master bathroom for supplemental heat, and it does a fine job: http://www.eheat.com/envi-high-efficiency-whole-room-plug-in-electric-panel-heater-hh1012t/ . It can be hardwired or plugged into a wall outlet. It takes up zero floor space and is a rather attract...
by Rupert
Wed Nov 15, 2017 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 4330

Re: Fair way to split expenses?

There 2 way to do it, depending on your income disparity. If you both make similar incomes, then just going 50/50 is fine. If there is a wage gap, then each contributing the percentage they bring home seems more fair. Say monthly expenses are 2000 dollars, wife brings home 4000 and husband brings h...
by Rupert
Wed Nov 15, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Identity Theft Credit Score
Replies: 13
Views: 1103

Re: Identity Theft Credit Score

Yes, go right to the DA and threaten not to vote for them unless they make this one identity theft case their top priority... :oops: There may be no way to prove the old roommate did it, even if it's about the only way it could have happened. Lay off the crime fighting advice, y'all. She needs a po...
by Rupert
Wed Nov 15, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Draft a will with legalzoom or other online legal help
Replies: 61
Views: 3996

Re: Draft a will with legalzoom or other online legal help

The book has some useful information, and is popular here. But it's geared to community property states, particularly California. Do you have any recommendation of more appropriate books for my situation? Something not too difficult for average people to understand and follow? Thanks. Not a book, b...
by Rupert
Wed Nov 15, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 101
Views: 7146

Re: Has used furniture dropped in value dramatically?

I actually read an article about this recently. Sorry I can't remember where. The gist was that you can't give away antique furniture these days. The bottom has completely fallen out of the industry because millennials aren't buying it. Antiques shops -- the ones still in business -- have shifted to...
by Rupert
Wed Nov 15, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 163
Views: 12779

Re: Why pay cash for a car?

When negotiating a price, the dealer will take into account whether you are paying cash or financing. You will pay for a below-market finance rate in the sale price of the car. I have not found this to be true at all. These days, I do all my negotiating on-line. The salesman and I settle on an out-...
by Rupert
Wed Nov 15, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Paying for news?
Replies: 44
Views: 2319

Re: Paying for news?

As a side-note - you do realize you can just clear your browser's cookies to reset your 10-article limit on most of these sites? You might not want to lose all saved browser information but you could use a separate browser for news reading. Or, in Chrome, you can open up an incognito window that ha...
by Rupert
Wed Nov 15, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Bill Paying Issues
Replies: 18
Views: 1249

Re: Bill Paying Issues

Who cares what your sons hate? This is your wife you're talking about. Seems to me the simplest thing to do is make sure your wife has access to the login credentials for all your payee accounts. Should you die, she logs in to those accounts and temporarily switches to manual payments (i.e., checks...
by Rupert
Wed Nov 15, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Bill Paying Issues
Replies: 18
Views: 1249

Re: Bill Paying Issues

Who cares what your sons hate? This is your wife you're talking about. Seems to me the simplest thing to do is make sure your wife has access to the login credentials for all your payee accounts. Should you die, she logs in to those accounts and temporarily switches to manual payments (i.e., checks ...
by Rupert
Wed Nov 15, 2017 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Roll Over from a 403b to a 401a
Replies: 2
Views: 138

Re: Roll Over from a 403b to a 401a

Some plans don't allow rollovers. That may be the case with your friend's 403b plan. As for whether to roll it into the 401a, that depends on the specifics of that plan and the quality of the investment options in it. 401a plans are weird; sometimes the employer, which is usually (maybe always) a go...
by Rupert
Wed Nov 15, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Florida slip & fall advice? Helping my parents
Replies: 11
Views: 867

Re: Florida slip & fall advice? Helping my parents

You need to see a personal injury attorney licensed to practice in Florida. No attorney is going to answer your questions on an internet forum because of potential liability, and you shouldn't trust the advice of anyone who isn't an attorney on matters such as this. Miss the statute of limitations, ...
by Rupert
Wed Nov 15, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 53
Views: 2440

Re: Michelin or Bridgestone?

Either brand is fine, especially if you're planning to sell the car within a couple of years anyway. I advise you, though, to see if a local tire shop, such as Firestone, will match the Costco price. I've had good luck getting my local Firestone, which is way more convenient for me than Costco, to m...
by Rupert
Wed Nov 15, 2017 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Identity Theft Credit Score
Replies: 13
Views: 1103

Re: Identity Theft Credit Score

She also worries that since her old roommate still has her social security number, that the person will continue to mess with her accounts. Is there anything that can be done about this? The old roommate should be in jail. She filed a police report, right? But she should still assume that her socia...
by Rupert
Tue Nov 14, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 5108

Re: Keurig died...what now?

rec7 wrote:
Tue Nov 14, 2017 11:47 am
mouses wrote:
Tue Nov 14, 2017 5:46 am
Aren't the cups those things use environmental disasters?
True but think of all the plastic in your car.
Hmmm, it appears you have fallen victim to the "searching for perfect solutions fallacy."
by Rupert
Tue Nov 14, 2017 9:13 am
Forum: Personal Consumer Issues
Topic: Creating External Exhaust for Microwave over Range - Need Reality Check
Replies: 26
Views: 2028

Re: Creating External Exhaust for Microwave over Range - Need Reality Check

I've also heard bad things about the effectiveness of vented microwaves. Have you considered putting your microwave on a countertop and installing a proper hood over your stove? And in my area, the microwave-over-the-stove look has gone out of style. Builders are incorporating microwave shelves into...
by Rupert
Tue Nov 14, 2017 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Draft a will with legalzoom or other online legal help
Replies: 61
Views: 3996

Re: Draft a will with legalzoom or other online legal help

Several thousand dollars! That is a lot of money. No wonder 60% of Americans do not have a will. More than 60% of Americans have no assets outside of a little equity in their homes and their retirement accounts. You, on the other hand, have almost $3 million in real estate investment assets. Do you...
by Rupert
Mon Nov 13, 2017 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Home fire insurance
Replies: 9
Views: 581

Re: Home fire insurance

I'm organized, but I couldn't make a list of the furniture in each room, the carpets and window coverings, or, account for all of the dishes and cookware in my kitchen. I certainly don't have an inventory of all of my books, CD's and DVD's. What about my antiques and all of the tools in my garage? ...
by Rupert
Mon Nov 13, 2017 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Draft a will with legalzoom or other online legal help
Replies: 61
Views: 3996

Re: Draft a will with legalzoom or other online legal help

Not sure whether this will make our situation even more complicated. My husband and I actually created a LLC a while back, which holds majority of our rental properties, but not all of them. Ideally I prefer having all of them under LLC, but since that may require either talking to an attorney or m...
by Rupert
Mon Nov 13, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Draft a will with legalzoom or other online legal help
Replies: 61
Views: 3996

Re: Draft a will with legalzoom or other online legal help

The rental properties would also be a huge problem if you died without a will since it could take a year or longer to get the situation straightened out and in the meantime there might not be anyone that could renew leases or deal with decisions that need to be made. This is why your situation is p...
by Rupert
Mon Nov 13, 2017 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 163
Views: 12779

Re: Why pay cash for a car?

It doesn't make financial sense today to have a blanket policy against financing because sometimes manufacturers offer cash incentives to finance that would otherwise be unavailable. Last time I bought a car, for example, Honda offered a $1500 cash rebate but only if you financed through Honda Finan...
by Rupert
Mon Nov 13, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Isn't it safer to NOT sign Credit card?
Replies: 97
Views: 6190

Re: Isn't it safer to NOT sign Credit card?

I posed the original question based on two premises: 1. A signature on the back doesn't offer any real protection: - No one checks if it's there, nor compares it against a receipt. - Increasingly the card never even leaves the user's hand (owner or thief) BUT 2. If a thief stole both your signed ca...
by Rupert
Mon Nov 13, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 135
Views: 8294

Re: Thouhgts about wearing a "uniform"/same thing everyday?

For the record, I only own 5 or 6 of the same pant and the same with shirts. You don't need 15. This has taken a part of my life and simplified it. I work midnights and never liked wondering what I was going to wear, I'm not good at matching colors and all that comes with it. My uniform was a godse...
by Rupert
Mon Nov 13, 2017 9:05 am
Forum: Personal Finance (Not Investing)
Topic: "Starter House" - to pay off or not?
Replies: 13
Views: 1431

Re: "Starter House" - to pay off or not?

I wouldn’t pay it off if you you will be buying another home in 1-2 years. You would be tying up your cash reserves in the house and would probably be forced to sell in order to have a down payment on the next home. But wouldn’t having a HELOC allow us to use that to make a down payment without hav...
by Rupert
Mon Nov 13, 2017 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Isn't it safer to NOT sign Credit card?
Replies: 97
Views: 6190

Re: Isn't it safer to NOT sign Credit card?

I posed the original question based on two premises: 1. A signature on the back doesn't offer any real protection: - No one checks if it's there, nor compares it against a receipt. - Increasingly the card never even leaves the user's hand (owner or thief) BUT 2. If a thief stole both your signed ca...
by Rupert
Sat Nov 11, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 107
Views: 6314

Re: Do you meditate?

Yoga, yes, twice a week. I have ankylosing spondylitis, and yoga is a necessity. There's simply nothing better for fighting the stiffness in my back and neck. I have a hard time with meditation though. My mind tends to wander even during the brief rest time at the end of yoga class. So I just let it...
by Rupert
Fri Nov 10, 2017 7:39 am
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 75
Views: 5312

Re: Costco for tires and car insurance?

Costco is great for buying tires but, at least in my area, not great for servicing them -- limited appointment slots, lots of waiting. In my experience, if you take a Costco quote to a full-service tire shop, e.g., Firestone, Goodyear, they can usually match the price on the tires, and it's a lot ea...
by Rupert
Thu Nov 09, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Alternative Minimum Tax and Turbo Tax
Replies: 10
Views: 610

Re: Alternative Minimum Tax and Turbo Tax

TurboTax will tell you.
by Rupert
Thu Nov 09, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: What is the difference between retiring and resigning from a job?
Replies: 42
Views: 4313

Re: What is the difference between retiring and resigning from a job?

An employer will often formally define "retirement" somewhere for purposes of retiree benefits, etc. Whether you consider and call it "retirement" won't really matter to them.
by Rupert
Thu Nov 09, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Best Approach for Purchasing Many Furnishings
Replies: 27
Views: 1687

Re: Best Approach for Purchasing Many Furnishings

Everyone has gone through this process at some point. Best to start with hand me downs from grandparents and parents. Fill in with purchases from Ikea (especially great for dishes, etc.), Craigslist, and antique/consignment shops. Don't go out and buy all brand-new stuff for your first place. Slowly...
by Rupert
Thu Nov 09, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Anyone own a home and drop insurance coverage after mortgage paid off?
Replies: 61
Views: 5028

Re: Anyone own a home and drop insurance coverage after mortgage paid off?

I would not drop home insurance but I do have my under insured. Basically to cover the cost of the dwelling when you do the math. Took some bickering with my agent but I got it done. Where I live the property is worth about 35-50% of the value. Lots are so expensive. So to me it made sense but like...
by Rupert
Thu Nov 09, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: Would other party's insurance cover car rental?
Replies: 6
Views: 486

Re: Would other party's insurance cover car rental?

I would speak to the other party's insurance company. The other driver's liability policy should cover it, but you'll need the insurance company's cooperation to get the insurance rental rate. They may even require you to use a particular rental car company with whom they have a negotiated rate. Edi...
by Rupert
Thu Nov 09, 2017 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5285

Re: Eye Doctor $30 to get your Rx? Is this normal?

He has rates negotiated with the HMO to treat glaucoma, cataracts, conjunctivitis, scratched corneas, detached retinas, macular degeneration......... He does not have rates negotiated with the VSP to do the refraction test. Their rates probably only make sense for offices that do a lot of volume an...
by Rupert
Wed Nov 08, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a health plan with baby on the horizon
Replies: 7
Views: 539

Re: Choosing a health plan with baby on the horizon

Of course, the big difference between the two plans are the cash flow. The choice of doctors and having to deal with the medical insurance billing will also be a huge difference. One advantage of being in a Kaiser facility there is little question about your expenses being covered and all the netwo...
by Rupert
Wed Nov 08, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: 529 plan questions
Replies: 20
Views: 1672

Re: 529 plan questions

So Spirit Rider - does that mean Rupert is not correct about the generation-skipping transfer tax? I'm not wrong about the generation-skipping transfer tax, which is a variant of the gift tax. Savingforcollege.com is a good source for information on 529 plans. It says: "If your contributions to a 5...
by Rupert
Wed Nov 08, 2017 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: HSA w high medical expenses: Still worth it?
Replies: 18
Views: 1308

Re: HSA w high medical expenses: Still worth it?

What are the premiums for each plan? We can't do the math without those numbers.
by Rupert
Wed Nov 08, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Do hospitals provide maternity package?
Replies: 6
Views: 485

Re: Do hospitals provide maternity package?

We're planning to have a baby next year and I'm reviewing several private health insurance plans. Well actually only one since I'm in Texas and Blue Cross is the last big health provider. The plan is showing for maternity coverage (Delivery) - $850 Copay then 50% Coinsurance after deductible. If I ...
by Rupert
Wed Nov 08, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5285

Re: Eye Doctor $30 to get your Rx? Is this normal?

It's not 100% clear to me exactly what the $30 charge was for, but if it was for a copy of the prescription, not only should an FTC complaint be made, it should also be reported to the appropriate state licensing board, the state attorney general's office or consumer protection bureau, and to the h...
by Rupert
Wed Nov 08, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: 529 plan questions
Replies: 20
Views: 1672

Re: 529 plan questions

What’s the tax consequences if u change the beneficiary to the next generation? I remember I read it somewhere that the beneficiary need to be of the same generation as the original one. Otherwise there be tax on it. Is it right? A generation-skipping transfer tax is owed when the new beneficiary i...