Search found 2952 matches

by Rupert
Tue May 22, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Pregnant wife - HDHP
Replies: 7
Views: 431

Re: Pregnant wife - HDHP

Thanks everyone for all the helpful information. I forgot about the HSA tax savings to take into consideration. If the pregnancy spanned only this year, we would come out ahead with our HDHP since it's only about $500 more without accounting for the HSA tax savings that we max out. It's hard to est...
by Rupert
Tue May 22, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 32
Views: 696

Re: How have you upgraded your wardrobe?

There's a fair bit of ground between Kohl's and Brooks Brothers/Ralph Lauren and another fair bit of ground between off-the-rack Brooks Brothers/Ralph Lauren and bespoke. What exactly is your goal? Are you trying to dress more stylishly, or are you simply trying to upgrade the quality of your clothi...
by Rupert
Mon May 21, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Converting property in to neighborhood park. Trust needed?
Replies: 20
Views: 1144

Re: Converting property in to neighborhood park. Trust needed?

Google "pocket park." That seems to be what you're aiming for, and they are becoming very popular in urban areas. At least in my municipality, "pocket parks" are exempt from most of the normal rules applicable to real parks, e.g., rules re public restroom availability, parking spaces, etc., and they...
by Rupert
Mon May 21, 2018 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: When should we stop contributing to our 529?
Replies: 18
Views: 1569

Re: When should we stop contributing to our 529?

You can't decide for your child what sort of education he might need/desire in 13 years time. You can only decide what and how much you're willing to pay for, taking into account your other life goals. You might, for example, aim to pay for 100% of your child's attendance at your state's flagship pu...
by Rupert
Mon May 21, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Disability Insurance
Replies: 6
Views: 304

Re: Long Term Disability Insurance

You need an individual policy that is portable, i.e., that you can take with you if you leave your present employment. Otherwise you're SOL if you lose your current job after developing some sort of medical condition that makes you un-insurable. Also, this statement "I'd have to be pretty significan...
by Rupert
Mon May 21, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Buying a Vacation Rental Property as an Investment
Replies: 46
Views: 3039

Re: Buying a Vacation Rental Property as an Investment

IF you do this make sure you have sufficient reserves to make the mortgage with little to no income for at least a year OR be willing to walk away from the property and allow the bank to foreclose. Only commit money you can afford to lose. Expect expenses to be at least 25% higher than what you est...
by Rupert
Sun May 20, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Birmingham AL and Gainesville FL (?)
Replies: 7
Views: 777

Re: Birmingham AL and Gainesville FL (?)

Both of those places are going to be blistering hot in the summer. Which is best depends on whether you like beaches or hills. Personally, I'd choose Birmingham because it's possible to escape to the mountains from there. Birmingham is also a pretty cool town with a vibrant social/bar scene and lots...
by Rupert
Sun May 20, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Where to find movers for a couch?
Replies: 16
Views: 1069

Re: Where to find movers for a couch?

You can rent a truck from UHaul or a big-box store (Lowe's, Home Depot) for a short period of time for not very much money ($20 or so sometimes). Then ask your neighbors if they have or know a couple of strapping teenagers who'd like to earn a little extra money.
by Rupert
Fri May 18, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: Light or Dark House
Replies: 4
Views: 768

Re: Light or Dark House

If your black roof is nearing the end of its life, you might consider painting the house a color now that will coordinate with a lighter colored roof in the future. A lighter-colored roof would make a significant difference to the temperature in your home.
by Rupert
Fri May 18, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: vitamins and supplements
Replies: 11
Views: 822

Re: vitamins and supplements

You are completely wasting your money on all that stuff unless you have a diagnosed nutritional deficiency or are on some sort of super-restrictive diet.
by Rupert
Fri May 18, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Qualify for Obama care for a part of the year.
Replies: 24
Views: 710

Re: Qualify for Obama care for a part of the year.

Ugh! It seems my question is confusing. I am privileged to always have health coverage with work and I have very little information about otherwise. My questions should be: What should he do and what are his options? It seems like there are two things now, he could try to get on medicaid (I think t...
by Rupert
Fri May 18, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Basics
Replies: 21
Views: 1669

Re: Estate Planning Basics

Because you have minor children, I strongly advise you to consult an estate planning attorney to discuss your needs. Naming an elderly relative as the sole beneficiary of your financial accounts is a bad idea. What if she becomes incompetent (dementia, etc.) or dies suddenly shortly after you do? Th...
by Rupert
Thu May 17, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Scholarships for elementary school education
Replies: 5
Views: 435

Re: Scholarships for elementary school education

My kids' school only offers aid in grades 6-12, which I think is a somewhat common practice among independent schools because of the fairly substantial increase in tuition between elementary school and middle/high school at many schools. The aid is need-based.
by Rupert
Thu May 17, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Gifts for Kids... 529? Savings Bonds? What's the best option?
Replies: 8
Views: 710

Re: Financial Gifts for Kids... 529? Savings Bonds? What's the best option?

Is a Treasury Direct Account Number and SSN required for Savings Bonds? If so, this is a no-go. A little bummed there isn't an easy/safe way to do this. Yes, unless you buy the bonds with your tax refund, and I'm not sure you can gift bonds with tax refunds (others will chime in to clarify if that'...
by Rupert
Thu May 17, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: 2018 Yellowstone Trip advice needed
Replies: 20
Views: 1323

Re: 2018 Yellowstone Trip advice needed

My advice would be to fly into Jackson or Idaho Falls, Idaho...that six hour plus drive from SLC sounds miserable to me. I actually highly recommend that drive between Salt Lake and Yellowstone if you take the scenic route through the Bear Lake area. (That's the route that many locals would recomme...
by Rupert
Wed May 16, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: 2018 Yellowstone Trip advice needed
Replies: 20
Views: 1323

Re: 2018 Yellowstone Trip advice needed

I would keep those accommodations at Grant Village if I were you. That two hours can easily turn into 4 on a bad traffic day. Definitely do the geyser basins early in the mornings and search for less popular (but equally gorgeous) sites for later in the day. If you can hike, it's best to view the Gr...
by Rupert
Wed May 16, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Why can't you rollover a retirement account into another one that you no longer work at?
Replies: 33
Views: 1728

Re: Why can't you rollover a retirement account into another one that you no longer work at?

Not sure why it matters that you can’t do a rollover from Job B to Job A. If you can’t, you can’t. I don't know about the OP, but I tend to be interested in not only knowing the rules, but also understanding the rationale behind the rules. Even if I cannot change them. It costs money/resources to h...
by Rupert
Wed May 16, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Why can't you rollover a retirement account into another one that you no longer work at?
Replies: 33
Views: 1728

Re: Why can't you rollover a retirement account into another one that you no longer work at?

I don't know what IRA accounts are or what a Roth IRA is so I'm hesitant to rollover Job A and Job B's accounts into Job A's IRA. Job A's retirement is through Empower Retirement and Job B is called Milliman. Because if I did that...could I then rollover an IRA into a traditional 401K with Job C if...
by Rupert
Wed May 16, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: somebody is using our address
Replies: 45
Views: 4527

Re: somebody is using our address

Be careful what you do with strange packages. http://www.courant.com/breaking-news/hc-br-east-hartford-package-toss-20180509-story.html Police say a woman who threw out a package mistakenly sent to her home by the United States Postal Service, then denied receiving it, was arrested Tuesday on charg...
by Rupert
Wed May 16, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Why can't you rollover a retirement account into another one that you no longer work at?
Replies: 33
Views: 1728

Re: Why can't you rollover a retirement account into another one that you no longer work at?

I don't know what IRA accounts are or what a Roth IRA is so I'm hesitant to rollover Job A and Job B's accounts into Job A's IRA. Job A's retirement is through Empower Retirement and Job B is called Milliman. Because if I did that...could I then rollover an IRA into a traditional 401K with Job C if...
by Rupert
Wed May 16, 2018 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Fellow non-529ers
Replies: 43
Views: 2846

Re: Fellow non-529ers

Don't 529 plans have limits to what you can choose and cause you some additional risk to funding it with taxable? I'm from Illinois by the way. Yes, you have to choose from the investments offered by the particular 529 plan you choose, but there aren't many truly bad 529 plans out there anymore. Mo...
by Rupert
Wed May 16, 2018 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Fellow non-529ers
Replies: 43
Views: 2846

Re: Fellow non-529ers

Regarding getting "slaughtered on taxes" when trying to withdraw excess funds - is it really that much worse than the taxes you'd pay in a taxable account? IIRC there is an additional 10% tax on capital gains when you withdraw for reasons other than school expenses, but there's also been years of t...
by Rupert
Wed May 16, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: somebody is using our address
Replies: 45
Views: 4527

Re: somebody is using our address

Also, perhaps someone knows: IS this some sort of "mail fraud", regardless of whether other crimes are being committed in conjunction with the false address? RM For it to be federal mail fraud under 18 USC 1341, there would have to be "other crimes . . . being committed in conjunction with the fals...
by Rupert
Wed May 16, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: somebody is using our address
Replies: 45
Views: 4527

Re: somebody is using our address

Notify your local Post Master, who should notify your local Postal Inspectors. The post office has its own law enforcement division to investigate precisely this sort of thing.
by Rupert
Wed May 16, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Would you send your children to private school in my situation?
Replies: 93
Views: 5942

Re: Would you send your children to private school in my situation?

> my wife and I make over 900K per year So you can do whatever you want. High earners are often very ambitious for kids, want them to get into Harvard or wherever, and will do anything that might get them a leg up. The downside, I suppose, is that kids might grow up feeling superior, or might turn ...
by Rupert
Wed May 16, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Golden Handcuffs
Replies: 53
Views: 8382

Re: Golden Handcuffs

In your situation, I would remain in the safe job until my spouse started working again and the kids were a few years older. Then I would reconsider making a move. If the new job doesn't work out, leaving that job and re-entering the job market wouldn't be so painful with your wife working and provi...
by Rupert
Tue May 15, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Car mileage, Fuel additives and other
Replies: 31
Views: 1412

Re: Car mileage, Fuel additives and other

None of you 55-60 mph folks drive in the left lane on the freeway, do you? If so, stay out! Not all of us care about getting optimal mpg. :happy Some of us call that the passing(only) lane. :D "Some of us"? All of us. It's actually the law in my state (and probably everywhere else). You only enter ...
by Rupert
Tue May 15, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Medical billing and negotiated rates ?
Replies: 8
Views: 744

Re: Medical billing and negotiated rates ?

Yes, if there were a negotiated rate for the primary care visit, it would apply to you. This is one of the benefits of dental plans. Even if there is a low annual maximum benefit and you exceed it, you still get the negotiated rates. Of course, this is true only if the doctor/dentist is in the netw...
by Rupert
Tue May 15, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Any experience with Blue Apron?
Replies: 34
Views: 2564

Re: Any experience with Blue Apron?

I've used their competitor Hello Fresh. They also offer coupons for the first month or first delivery or something like that. So you might consider trying them after Blue Apron. I liked Hello Fresh. My family had gotten into a bit of a rut, making the same 10 dishes or so over and over again. Hello ...
by Rupert
Tue May 15, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Car mileage, Fuel additives and other
Replies: 31
Views: 1412

Re: Car mileage, Fuel additives and other

I commute a lot. Do fuel additives and Fuel injector cleaners increase the efficiency of machines? I dont know if this is worth the expense or does it make sense to add them regularly? if so how often? is the benefit so slight as to no justify the effort? I am already doing a few things to keep fue...
by Rupert
Tue May 15, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 80
Views: 4178

Re: keyless ignitions and carbon monoxide

I am assuming most people that park in the garage don't need a key to get into the house...At least i Know i never lock the door that leads into the house from the garage. You might want to Google how to open a garage door that is shut by an opener. In short, it takes about 15 seconds... We always ...
by Rupert
Tue May 15, 2018 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Credit card with no credit history
Replies: 15
Views: 817

Re: Credit card with no credit history

gilgamesh wrote:
Tue May 15, 2018 9:14 am
Thank you all

https://www.annualcreditreport.com

This site is legit right?
Yes, that's the official free credit report site sanctioned by the federal government.
by Rupert
Tue May 15, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Credit card with no credit history
Replies: 15
Views: 817

Re: Credit card with no credit history

Often your own bank will issue you a credit card even if you have no credit history. That might be a place to start.
by Rupert
Tue May 15, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Ratio of car repair cost to car's value?
Replies: 17
Views: 1378

Re: Ratio of car repair cost to car's value?

I own that same car but with the automatic transmission. It's the first car I've owned that I actually love. But it's had some major problems, and I wish I had gotten rid of it about two years ago. How's your power steering system? Every component of my power steering system has been replaced at lea...
by Rupert
Mon May 14, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 80
Views: 4178

Re: keyless ignitions and carbon monoxide

I have the keyless start on my car, and I love it. I don't understand how people can walk away with their car running. Pushing the button is just as easy to remember as turning the key and removing it before leaving the vehicle. +1 I wonder if anyone keeps stats on carbon monoxide deaths from peopl...
by Rupert
Mon May 14, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 80
Views: 4178

Re: keyless ignitions and carbon monoxide

I have the keyless start on my car, and I love it. I don't understand how people can walk away with their car running. Pushing the button is just as easy to remember as turning the key and removing it before leaving the vehicle. +1 I wonder if anyone keeps stats on carbon monoxide deaths from peopl...
by Rupert
Wed May 09, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Another Vehicle Question
Replies: 31
Views: 1596

Re: Another Vehicle Question

An $80,000 FORD? Are you kidding me?
by Rupert
Wed May 09, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: [Car accident claim exceeds coverage, send to collection agency?]
Replies: 67
Views: 4875

Re: [Car accident claim exceeds coverage, send to collection agency?]

There is no "debt" that can be collected from a negligence liability claim until there is a judgment from a court finding liability and damage. Did the at-fault insurance policy pay the other side an amount in excess of the policy and is trying to collect the difference from its insured? That makes...
by Rupert
Wed May 09, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: [Car accident claim exceeds coverage, send to collection agency?]
Replies: 67
Views: 4875

Re: [Car accident claim exceeds coverage, send to collection agency?]

I think sometimes people who have truly don’t understand the dilemma of the have nots. Personally, if I were the OP I would not waste a second with this until my 4 walls were set and stable. One of the problems of the have nots is that if they do get ahead this type of problem comes out of the wood...
by Rupert
Wed May 09, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: How to pass life insurance proceeds from my parents' second to die policy on to my children tax free?
Replies: 17
Views: 1062

Re: How to pass life insurance proceeds from my parents' second to die policy on to my children tax free?

My elderly parents have a $1MM second to die life insurance policy. They want the proceeds to go to their twelve grandchildren equally, so each grandchild would get $83,333. My four siblings and I (all in our 50s and 60s) are the beneficiaries of the policy. I guess they set it up this way so we fi...
by Rupert
Wed May 09, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: [Car accident claim exceeds coverage, send to collection agency?]
Replies: 67
Views: 4875

Re: [Car accident claim exceeds coverage, send to collection agency?]

No job, $100 in the bank? I'd simply tell them the situation, you can't pay, you have no ability to pay, and they can send it to collections. I would even tell them if you get the ability to pay you'll reach back out to them but for now there is no money to give them. I think this is the most logic...
by Rupert
Wed May 09, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: [Car accident claim exceeds coverage, send to collection agency?]
Replies: 67
Views: 4875

Re: [Car accident claim exceeds coverage, send to collection agency?]

No job, $100 in the bank? I'd simply tell them the situation, you can't pay, you have no ability to pay, and they can send it to collections. I would even tell them if you get the ability to pay you'll reach back out to them but for now there is no money to give them. I think this is the most logic...
by Rupert
Wed May 09, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Experian will not lift security freeze with PIN
Replies: 11
Views: 1717

Re: Experian will not lift security freeze with PIN

Watty wrote:
Wed May 09, 2018 7:27 am

I would suspect that they could tell you were outside the US by your IP address and that triggered the extra security.
+1. This is almost certainly the case.
by Rupert
Wed May 09, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 5469

Re: How to handle problem employee

Most of them are great, but there are 1-2 that require 90% of the attention. This will be the case no matter where you work. 1-2 employees will always require 90% of your attention. Honestly, this lady sounds pretty tame to me by problem-employee standards. It does not sound like she's done anythin...
by Rupert
Tue May 08, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: Build a retaining wall ?
Replies: 17
Views: 1219

Re: Build a retaining wall ?

How tall with the wall be? It's simple if it's just a 2 or 3 foot wall. It's not simple if it's taller.
by Rupert
Tue May 08, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: How to remove garden hose nozzle that is stuck on a hose
Replies: 40
Views: 2857

Re: How to remove garden hose nozzle that is stuck on a hose

Cut the hose above the nozzle and buy a garden hose repair kit at a big-box store to replace it. I've never been able to get them off once they're stuck. I think I've finally learned my lesson and now remove the nozzle after every use so it won't get stuck in the first place.
by Rupert
Tue May 08, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 3128

Re: Do I need to unfreeze my credit before applying for a new card?

You have to unfreeze if applying for new credit, not if making a product change (i.e., swapping one type of card for another with the same company). Call the credit card company, and ask them with credit bureau they use. Usually they will stay on the line with you while you use your computer to unfr...
by Rupert
Tue May 08, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new car or buying used car
Replies: 91
Views: 4978

Re: Buying new car or buying used car

Another example: Nissan Altima S 2018: $19.9-21.5k 2016: $13-14k Based on how most people drive, your example actually supports buying the NEW vehicle... - Say you keep a car for 10 years or 120,000 miles, whichever comes first. A reasonable assumption that applies to a broad majority of people. - ...
by Rupert
Tue May 08, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Vehicle Tires and Dry Rot
Replies: 20
Views: 2066

Re: Vehicle Tires and Dry Rot

It's a real thing, i.e., your mechanic isn't making it up. How quickly it happens depends somewhat on climate. Dry rot happens faster in hot, dry climates. I have had to replace tires on a seldom-driven car due to dry rot. I think the tires were about 6 years old. You could see little hairline crack...