Search found 4041 matches

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: 7
Views: 342

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: 20
Views: 872

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.
by Rupert
Fri Feb 15, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: Nissan Slate of SUV's
Replies: 14
Views: 398

Re: Nissan Slate of SUV's

Nissan has been surpassed by Hyundai and Kia on the reliability front. I wouldn't make the switch unless that's one huge discount you're getting. It is, unfortunately (I used to love a Pathfinder), a declining brand.
by Rupert
Fri Feb 15, 2019 7:33 am
Forum: Personal Consumer Issues
Topic: Rental Car Company Preferences
Replies: 12
Views: 458

Re: Rental Car Company Preferences

My experiences have varied by airport, which is where I typically rent cars. Alamo may be better than Avis at Phoenix Sky Harbor, for example, but worse at Chicago O'Hare. So I always Google reviews of the rental car outfits at the airport I'll be flying into. Sometimes those reviews will lead me to...
by Rupert
Thu Feb 14, 2019 4:55 pm
Forum: Personal Consumer Issues
Topic: Refurbished smart phone or new Consumer Cellular Smart phone?
Replies: 9
Views: 547

Re: Refurbished smart phone or new Consumer Cellular Smart phone?

I think you'll regret not getting a phone with a decent camera. You might be surprised how much you use it.
by Rupert
Thu Feb 14, 2019 3:06 pm
Forum: Personal Investments
Topic: Please help with 403b
Replies: 4
Views: 244

Re: Please help with 403b

Absolutely no on those three funds with ERs over 1. Hold international and an extended-market fund (which includes small+mid caps) elsewhere (Roth IRA and/or taxable). I too would make the Transamerica large-cap fund and the Pioneer bond fund my core holdings in this plan.
by Rupert
Thu Feb 14, 2019 10:29 am
Forum: Personal Investments
Topic: $400 underpayment penalty
Replies: 9
Views: 1712

Re: $400 underpayment penalty

MMLC3 wrote:
Wed Feb 13, 2019 8:19 pm
Thanks everyone. I guess I need to look into paying estimated taxes starting this year, to make up for the RSU sales...
Or just adjust your W4 so that you are withholding at least 100% of your 2018 tax liability. That's much easier than paying estimated taxes.
by Rupert
Thu Feb 14, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Social security survivor benefits
Replies: 16
Views: 898

Re: Social security survivor benefits

I'm not sure how the earnings test and the family maximum work together. You should research whether, if your wife's benefits decrease due to the earnings test, your kids' benefits increase until the family maximum is hit. I don't know the answer and am curious myself. They do not. For anybody curi...
by Rupert
Wed Feb 13, 2019 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Social security survivor benefits
Replies: 16
Views: 898

Re: Social security survivor benefits

Remember your wife's benefit will be subject to the SS earnings test if she works; her benefit will be reduced for any earnings over roughly 17K. Her benefits will stop when the youngest turns 16 unless she eligible for a survivors benefit at that time. wow...I didn't know about this. Just googled ...
by Rupert
Wed Feb 13, 2019 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Social security survivor benefits
Replies: 16
Views: 898

Re: Social security survivor benefits

Got it. So it is cumulative. It is nice to think that my family can receive $5131/month if something were to happen to me now. I understand this payout is not forever. And correct me if I am wrong, I think when kids are 18 this payout will stop right? And later when my wife hits 60 (or whatever is ...
by Rupert
Wed Feb 13, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Child & Dependent Care Credit when not both simultaneously working
Replies: 3
Views: 227

Re: Child & Dependent Care Credit when not both simultaneously working

Doesn't page 6 of the document you linked answer your question in this section? "Work for part of year. If you work or actively look for work during only part of the period covered by the expenses, then you must figure your expenses for each day. For example, if you work all year and pay care expens...
by Rupert
Wed Feb 13, 2019 1:14 pm
Forum: Personal Consumer Issues
Topic: Roof leak, poor workmanship, what now?
Replies: 4
Views: 512

Re: Roof leak, poor workmanship, what now?

I wouldn't assume that the leak is at one of those "poorly-done junctures." It may be, but it may also be somewhere higher on the roof. Water runs downhill and often enters the living space far from where it penetrates the shingles. I'd have the old roofer check it out but be prepared to call in som...
by Rupert
Wed Feb 13, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Can I file jointly with my girlfriend
Replies: 32
Views: 3884

Re: Can I file jointly with my girlfriend

Yes, if you get married within the tax year. Great tax shelter. How so? Usually marriage is a net increase in tax burden due to the marriage penalty. What is "the marriage penalty," exactly? With the exception of the upper limit of the 35% bracket, all the federal income tax brackets are exactly 2x...
by Rupert
Wed Feb 13, 2019 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Can I file jointly with my girlfriend
Replies: 32
Views: 3884

Re: Can I file jointly with my girlfriend

if one filed jointly as partners in a common law marriage then wouldn't one then legally be married? i.e. dissolution would require a formal divorce? At which point there is no difference between a state-sanctioned marriage and the common-law marriage? If you live in a common-law marriage state and...
by Rupert
Wed Feb 13, 2019 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Can I file jointly with my girlfriend
Replies: 32
Views: 3884

Re: Can I file jointly with my girlfriend

As others have suggested (but not explicitly said), you likely come out better, tax-wise, by remaining unmarried. One of you -- the one who claims the child as a dependent -- will be eligible for Head of Household status. That gets the two of you a combined standard deduction of $30,000 ($18,000 for...
by Rupert
Wed Feb 13, 2019 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Insuring a car that you don’t drive
Replies: 24
Views: 1981

Re: Insuring a car that you don’t drive

I don't think you can do this. Most insurance companies (actually, all that I've done business with) won't let you insure drivers who don't live in your household. (Note, kids away at college are an exception because their primary residence typically remains your home.) If they lived with you, you ...
by Rupert
Wed Feb 13, 2019 7:39 am
Forum: Personal Consumer Issues
Topic: Ever heard of dentists sedating toddlers to fill baby teeth cavities?
Replies: 28
Views: 2327

Re: Ever heard of dentists sedating toddlers to fill baby teeth cavities?

Pediatric dentists have training in sedation. Our pediatric dentist will sedate (note, and restrain -- they use a wooden board thing) toddlers in her office for minor work (e.g., fillings in one or two teeth). If more extensive work is needed (cavities in multiple teeth), she actually does the work ...
by Rupert
Tue Feb 12, 2019 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Insuring a car that you don’t drive
Replies: 24
Views: 1981

Re: Insuring a car that you don’t drive

I don't think you can do this. Most insurance companies (actually, all that I've done business with) won't let you insure drivers who don't live in your household. (Note, kids away at college are an exception because their primary residence typically remains your home.) If they lived with you, you c...
by Rupert
Tue Feb 12, 2019 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Possible Turbo Tax bug with 529 on state forms
Replies: 10
Views: 647

Re: Possible Turbo Tax bug with 529 on state forms

Calico wrote:
Tue Feb 12, 2019 2:07 pm

I used the online Turbo Tax and am in Virginia. Maybe it's the online version that's the issue.
Maybe. I bought the software on CD from Amazon (only because it was cheaper than the download version at the time).
by Rupert
Tue Feb 12, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Possible Turbo Tax bug with 529 on state forms
Replies: 10
Views: 647

Re: Possible Turbo Tax bug with 529 on state forms

I too was asked about 529 contributions as I did my state return. I used Turbotax Deluxe. So maybe this was a problem with Turbotax software with respect to one state (or a few states)?
by Rupert
Tue Feb 12, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Being content with your finances
Replies: 84
Views: 5927

Re: Being content with your finances

So I find myself always searching how to make more and not being content with current income. How do bogleheads find satisfaction with their income. By giving it away. I also prepare taxes for people who have practically nothing. edit: also, attend a few funerals of close friends. +1. One way to be...
by Rupert
Tue Feb 12, 2019 8:45 am
Forum: Personal Consumer Issues
Topic: 3 year old tires installed (Sam's club). Should I do anything about this?
Replies: 103
Views: 7625

Re: 3 year old tires installed (Sam's club). Should I do anything about this?

I'm surprised any industry on the planet is okay with ~3 years worth of inventory. Why not just make less and avoid the issue altogether? I doubt they have 3 years of inventory. They simply don’t pay attention to tire age in the warehouse so the ones on the back of the shelf might sit there for yea...
by Rupert
Tue Feb 12, 2019 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Multiple credit card fraud instances
Replies: 9
Views: 731

Re: Multiple credit card fraud instances

Could be coincidence. But it could also be theft by someone you know. Do you use a cleaning service? Leave your wallet/purse on your desk when you go to a meeting at work? Etc.?
by Rupert
Tue Feb 12, 2019 7:43 am
Forum: Personal Consumer Issues
Topic: Application for life insurance is asking for net worth is this normal?
Replies: 14
Views: 1356

Re: Application for life insurance is asking for net worth is this normal?

Do insurance brokers make a good commissions from selling you Term life insurance? The person I'm working with isn't pushy but as kinda of a car salesman attitude. Not rude just a bit eager for me to sign up. I think they get a nice chunk of the first year's premium (30-70%, I think) but not much a...
by Rupert
Mon Feb 11, 2019 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 188
Views: 9952

Re: Smaller tax refunds this year? Clear explanation please

People confuse marginal tax rates with effective tax rates. You have to be clear which they're talking about when they complain. I think there are possibly two things going on. (1) As you note, many people failed to amend their W4s after the new tax law took effect. So they under-withheld (relative ...
by Rupert
Mon Feb 11, 2019 3:51 pm
Forum: Personal Consumer Issues
Topic: What Happens If You Ignore Being Served a Lawsuit?
Replies: 68
Views: 5278

Re: What Happens If You Ignore Being Served a Lawsuit?

The people being sued really, really need to talk to a lawyer. If they had insurance that will cover the claim, they need to get the insurance company involved. If they didn’t, they still need to talk to a lawyer. If it’s a legitimate six figure lawsuit, it’s not going away. No they had the state m...
by Rupert
Mon Feb 11, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: What Happens If You Ignore Being Served a Lawsuit?
Replies: 68
Views: 5278

Re: What Happens If You Ignore Being Served a Lawsuit?

Posting on a residence can be proper service depending on the jurisdiction, judge, etc. Proper service or not, if your relative doesn't respond they could be subject to a default judgement. At best they could then appeal the judgement. In my mind it is much better to get out ahead of the judgement ...
by Rupert
Mon Feb 11, 2019 3:29 pm
Forum: Personal Consumer Issues
Topic: What Happens If You Ignore Being Served a Lawsuit?
Replies: 68
Views: 5278

Re: What Happens If You Ignore Being Served a Lawsuit?

Posting on a residence can be proper service depending on the jurisdiction, judge, etc. Proper service or not, if your relative doesn't respond they could be subject to a default judgement. At best they could then appeal the judgement. In my mind it is much better to get out ahead of the judgement ...
by Rupert
Mon Feb 11, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: What Happens If You Ignore Being Served a Lawsuit?
Replies: 68
Views: 5278

Re: What Happens If You Ignore Being Served a Lawsuit?

Thats what the online case status information says. That they were served on a certain date and it was "Posted." So I am assuming that is all the plaintiff needs to get a default judgement against my kin? Is it small claims ? There has to be a judgment anyway. Suing is not enough to collect. The de...
by Rupert
Mon Feb 11, 2019 3:16 pm
Forum: Personal Investments
Topic: Alternative to checking account for short term deposit
Replies: 8
Views: 332

Re: Alternative to checking account for short term deposit

Vanguard's Prime Money Market fund is presently paying about 2.5%. Alternatively, there are lots of online savings accounts with FDIC insurance that are paying 2+% right now.
by Rupert
Mon Feb 11, 2019 11:58 am
Forum: Personal Consumer Issues
Topic: Shopping for a car after 10+ years
Replies: 21
Views: 1672

Re: Shopping for a car after 10+ years

Hyundai, in particular, has a very long manufacturer's warranty. Hyundai and Kia long warranties are non transferrable. Whoever buys a used one only gets the standard 5 yr /60k miles coverage. To the OP: also consider Carvana as an alternative to Carmax and at least where I live Offerup is now bett...
by Rupert
Sun Feb 10, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: Travel to Cuba
Replies: 34
Views: 2421

Re: Travel to Cuba

I have close friends who go there regularly (at least once a year). They have family there. They always take a suitcase full of powdered milk and some processed foods (protein bars, boxes of mac n cheese, etc.) with them just in case they can't find what they need when they're there, which apparentl...
by Rupert
Sat Feb 09, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: Shopping for a car after 10+ years
Replies: 21
Views: 1672

Re: Shopping for a car after 10+ years

The Tucson -- same class vehicle as the CR-V -- has really good crash test scores. That's true of the current-gen Tucson, 2016 and later. The '15 and earlier model, which is probably what the OP would be looking at given budget, did not do so well on IIHS tests (which are probably the most meaningf...
by Rupert
Sat Feb 09, 2019 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Advice for handling life insurance payout
Replies: 13
Views: 1297

Re: Advice for handling life insurance payout

It makes no sense to carry that mortgage when she has $3.2 million sitting in the bank. So, yes, she should pay off the mortgage. Then that's one less detail she will have to worry about going forward. That might sound great on the face of it, but if the mortgage is automatically set up in bill pay...
by Rupert
Sat Feb 09, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Shopping for a car after 10+ years
Replies: 21
Views: 1672

Re: Shopping for a car after 10+ years

Read the long thread here by CULater about oil dilution issues in the Honda CR-V before you go that route. If you hate negotiating, Carmax is a decent place to buy used cars. You won't get the lowest price there, but you'll get a stress-free buying experience if that's important to you. In general, ...
by Rupert
Sat Feb 09, 2019 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Advice for handling life insurance payout
Replies: 13
Views: 1297

Re: Advice for handling life insurance payout

It makes no sense to carry that mortgage when she has $3.2 million sitting in the bank. So, yes, she should pay off the mortgage. Then that's one less detail she will have to worry about going forward. As for the rest, I'd steer her to Vanguard's personal advisor service. They charge a reasonable fe...
by Rupert
Sat Feb 09, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: Credit ID hacked, got $4900 T-Mobile bill
Replies: 36
Views: 4447

Re: Credit ID hacked, got $4900 T-Mobile bill

OP, this same thing happened to me except with Verizon. I only had to speak to someone in their fraud department once. The lady I spoke to asked me to send them a copy of a police report, which I had filed in my jurisdiction (in person -- went down to police headquarters and met with a fraud investi...
by Rupert
Fri Feb 08, 2019 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Informed for Life - AWD vs FWD
Replies: 12
Views: 1169

Re: Informed for Life - AWD vs FWD

How much more does the AWD version weigh than the FWD version? That may explain the difference.
by Rupert
Fri Feb 08, 2019 12:37 pm
Forum: Personal Investments
Topic: Emergency Fund Plan Help
Replies: 5
Views: 441

Re: Emergency Fund Plan Help

MM funds are outperforming online savings accounts right now but not by much. The reverse might be true in 6 months. I keep emergency funds in both (one MM and one savings acct). I wouldn't use as many accounts as you're using. That's too much work for very little to no benefit.
by Rupert
Fri Feb 08, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Need property insurance help
Replies: 3
Views: 159

Re: Need property insurance help

Property insurance simply doesn't cover your loss. Your homeowner's insurance doesn't cover damage to your car either, even if it's parked in your garage when the damage occurs.
by Rupert
Fri Feb 08, 2019 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Nightmare [Problem with estate planning attorney]
Replies: 32
Views: 3388

Re: Estate Planning Nightmare

I'm sorry you had a bad experience. But he's perhaps done you a favor by terminating the relationship and refunding your fee. Maybe he was over his head. How did you find this attorney? Does he work in a firm, or is he a solo practitioner? Does he hold himself out as an estate planning expert, or i...
by Rupert
Fri Feb 08, 2019 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Nightmare [Problem with estate planning attorney]
Replies: 32
Views: 3388

Re: Estate Planning Nightmare

I'm sorry you had a bad experience. But he's perhaps done you a favor by terminating the relationship and refunding your fee. Maybe he was over his head. How did you find this attorney? Does he work in a firm, or is he a solo practitioner? Does he hold himself out as an estate planning expert, or is...
by Rupert
Fri Feb 08, 2019 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance
Replies: 14
Views: 901

Re: Health Insurance

Oh, yes, COBRA. That's his fourth option. Some employers don't have to offer COBRA though, typically very small ones (less than 20 employees), unless California is a state that has expanded COBRA to everyone (I have no idea if it is). Note that the other three options may be more affordable for him ...
by Rupert
Fri Feb 08, 2019 8:51 am
Forum: Personal Consumer Issues
Topic: Describe doing new car purchase paperwork when you collect the car
Replies: 30
Views: 1457

Re: Describe doing new car purchase paperwork when you collect the car

The process will take longer than you will perhaps expect, even when you are paying cash. They will need your social security number even if you're not financing. That's required by federal law now, I think. [Edited to note: This is not a credit check. I specifically asked if they were checking my c...
by Rupert
Fri Feb 08, 2019 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance
Replies: 14
Views: 901

Re: Health Insurance

He has three insurance options. By a policy on California's ACA exchange. If he has low-enough income, sign up for California's medicaid program. If he has no pre-existing conditions, sign up for one of the non-ACA-compliant short-term policies now offered by many insurance companies. I'm not sure h...
by Rupert
Thu Feb 07, 2019 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Term life insurance question
Replies: 20
Views: 1183

Re: Term life insurance question

The agent is now telling me that one of the medical questions I answered- if I had a close relative die at a young age, which I did, a relative who never went to the doctors and had very poor health habits ( smoked like a chimney/ drank like a fish, etc...) and died of a massive heart attack in the...
by Rupert
Thu Feb 07, 2019 12:54 pm
Forum: Personal Consumer Issues
Topic: SW USA vacation spots w/teens (Las Vegas->Grand Canyon->Scottsdale)
Replies: 26
Views: 1259

Re: SW USA vacation spots w/teens (Grand Canyon, Santa Fe, ???)

Questions: Near Grand Canyon - I'm pretty unfamiliar with this - I think I went once as a kid, but have almost no memories of it. It seems that the possibilities are to stay in a hotel/lodge basically at the south rim, or to stay further south in Williams or Flagstaff. Is it hard to get bookings in...
by Rupert
Thu Feb 07, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Private school tuition on $200k hhi
Replies: 55
Views: 2982

Re: Private school tuition on $200k hhi

OP, there is a very strong bias against private schools at this forum. So the responses so far don't surprise me. What some folks fail to take into account is this: Where public schools are bad, taxes are also often very low. Taxes, like private school tuition, are expenses that you never get back -...
by Rupert
Wed Feb 06, 2019 12:30 pm
Forum: Personal Consumer Issues
Topic: What Tech Gadget Would you Buy?
Replies: 83
Views: 4788

Re: What Tech Gadget Would you Buy?

Home automation devices?
by Rupert
Wed Feb 06, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: What do you blame for unhappiness in retirement?
Replies: 53
Views: 3696

Re: What do you blame for unhappiness in retirement?

I will say this my wife is one of the happiest people I have ever known but we both have difficulty seeing how she will enjoy retirement as much or more than work. For someone like her Financial Independence is wonderful allowing the freedom to pursue the jobs and challenges they want, REtirement a...