Search found 3402 matches

by Rupert
Thu Aug 16, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 95
Views: 5344

Re: Using ACA for early retirement years

dm200 wrote:
Thu Aug 16, 2018 4:47 pm

1. Do just about everything you can (or not do) to be and stay healthy.
Alternatively, try to be really really sick so that you qualify for disability and early Medicare. Sadly, many Americans choose this option.
by Rupert
Thu Aug 16, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: Master bathroom addition question
Replies: 9
Views: 305

Re: Master bathroom addition question

We stayed in a hotel recently that had the bathroom in a thin little hallway with a slide door that was literally behind the bed. Was wondering if this was possible without the cost being prohibitive? Thanks! More important than the plumbing, OP, are the roof and foundation. Will they accommodate a...
by Rupert
Thu Aug 16, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Master bathroom addition question
Replies: 9
Views: 305

Re: Master bathroom addition question

It's not necessary that a new bathroom be next to an old one, but it could reduce the cost of the new bathroom by a lot.
by Rupert
Thu Aug 16, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: withdraw home insurance claim
Replies: 3
Views: 194

Re: withdraw home insurance claim

Different insurance companies have different policies re the effect of withdrawn claims on premiums. Some companies will use the mere report of a potential claim to increase the premium or drop coverage. Ask your agent what your company does. (Edited to add -- Here's some advice from someone who liv...
by Rupert
Thu Aug 16, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 40
Views: 1100

Re: Mail order pharmacy

You need to be aware that if you are in a state where temperatures are high it can damage the mediation during the shipping process. people who live in the south might consider forgoing mail order since capsules and even tablets can melt or the active medication can be altered at high temperatures....
by Rupert
Thu Aug 16, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 40
Views: 1100

Re: Mail order pharmacy

For those of you worried about drugs sitting in hot (or cold, which for some drugs is worse than heat) UPS or FedEx trucks before delivery to your home, how do you think the drugs get delivered to your local pharmacy? Edited to add: I have a very expensive drug delivered to my home from a specialty ...
by Rupert
Thu Aug 16, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Sign - Speed checked by Radar
Replies: 39
Views: 1904

Re: Sign - Speed checked by Radar

Those signs don't mean that speed is checked by radar 24/7. They just mean that your speed may be checked by radar -- usually from inside an officer's car -- at some time. State Troopers usually have radar guns mounted on both the front and rear dashboards of their cars so they can monitor vehicles ...
by Rupert
Wed Aug 15, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 95
Views: 5344

Re: Using ACA for early retirement years

However, it I was paying the list price, I would not be happy about some of the seemingly excess coverages. In reading through the lengthy printed policy that was provided to us, it includes maternity benefits, substance abuse benefits and mental health counseling. These benefits are pretty much us...
by Rupert
Wed Aug 15, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 95
Views: 5344

Re: Using ACA for early retirement years

However, it I was paying the list price, I would not be happy about some of the seemingly excess coverages. In reading through the lengthy printed policy that was provided to us, it includes maternity benefits, substance abuse benefits and mental health counseling. These benefits are pretty much us...
by Rupert
Wed Aug 15, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 67
Views: 5729

Re: Changing Car Cabin Air Filter - after how much time

With respect to filters, it's actually not. The car mfr doesn't know where you live -- whether it's dusty, etc. They can't possibly program the maintenance minder to be accurate in every situation. And the maintenance minder isn't actually monitoring the state of your filters. It's just spitting ou...
by Rupert
Wed Aug 15, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 67
Views: 5729

Re: Changing Car Cabin Air Filter - after how much time

Just follow the manufacturer's maintenance schedule outlined in your owner's manual! It's that simple. With respect to filters, it's actually not. The car mfr doesn't know where you live -- whether it's dusty, etc. They can't possibly program the maintenance minder to be accurate in every situation...
by Rupert
Wed Aug 15, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: 33 Male, how am I doing?
Replies: 28
Views: 2522

Re: 33 Male, how am I doing?

BuckyBadger wrote:
Wed Aug 15, 2018 11:34 am
Just out of curiosity, how does your being male enter into your question?
Seeing the word "male" in the title is actually what prompted me to read the thread. What possible relevance does it have to the question presented?
by Rupert
Wed Aug 15, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 67
Views: 5729

Re: Changing Car Cabin Air Filter - after how much time

Every January, I get out the maintenance/owner's manuals for my vehicles and make a list of the maintenance that needs to be done on each vehicle at some point during the year. At the same time, I pull out the cabin and engine air filters for each vehicle and inspect them. If they're dirty, I add fi...
by Rupert
Wed Aug 15, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Sidewalk repair - price in line?
Replies: 32
Views: 1882

Re: Sidewalk repair - price in line?

I am missing something here. Who owns this sidewalk? Where we are (northeast), the municipality owns sidewalks that run parallel to the street. I guess that it’s different in southern Florida. It might not be different in FL. In CT sidewalks are practically always located in the public ROW. That me...
by Rupert
Wed Aug 15, 2018 6:57 am
Forum: Personal Consumer Issues
Topic: Sidewalk repair - price in line?
Replies: 32
Views: 1882

Re: Sidewalk repair - price in line?

Get 3 quotes. There's another thread about taxes in FL being low. I guess cities don't maintain sidewalks in Florida. Apparently OP has already tried to do this. Please suggest ways of getting 3 quotes when contractors don't bother to bid. +1. I recently replaced a driveway. I must have called a do...
by Rupert
Tue Aug 14, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Biking with 2 young children - what gear to get?
Replies: 24
Views: 1050

Re: Biking with 2 young children - what gear to get?

The trailer is good for short jaunts with both kids, but for longer travel they start to pester each other as the trailers are narrow. +1. Same experience with two kids the same age (twins). Within two minutes of strapping them both into a bike trailer, they were at each other's throats. So I would...
by Rupert
Tue Aug 14, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 95
Views: 5344

Re: Using ACA for early retirement years

Even before ACA, there were protections from pre-existing condition exclusions if you had continuous coverage. In my opinion, three years would be a pretty safe bet with ACA, Not for everyone. HIPAA provided some protection from pre-existing condition exclusions in the group market, i.e., employer-...
by Rupert
Tue Aug 14, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Negative Insurance Discount with United Health Care and Sentara
Replies: 29
Views: 1290

Re: Negative Insurance Discount with United Health Care and Sentara

Have you asked your insurance company how much you owe the provider? That's what I would do first.

$380 for a chest xray would be bonkers, so does that number also include the amount charged by a doctor to read the xray?
by Rupert
Tue Aug 14, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 94
Views: 5900

Re: Retire in Florida or Alabama?

Since advantages of FL have been pointed out, I’ll share some for the other side. Alabama has some of the lowest property tax in the country. If they are retired and over 65 there are many other tax advantages as well. https://revenue.alabama.gov/individual-corporate/taxes-administered-by-individua...
by Rupert
Mon Aug 13, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Pop up tent camper
Replies: 19
Views: 1714

Re: Pop up tent camper

never buy new, campers are like boats, best days are buying and selling. Storage lots are full of them, they depreciate quickly Any advice on pricing and where to look for a use light weight pop up tent camper? Thanks Paul Craigslist. Pricing depends on the unit you're looking at. Just this morning...
by Rupert
Mon Aug 13, 2018 11:15 am
Forum: Investing - Theory, News & General
Topic: Offering 401k Advice to my coworkers?
Replies: 36
Views: 3135

Re: Offering 401k Advice to my coworkers?

I would never expect HR to give 401k direction, they poorly take care of HR business. On my first day of work, I didn't know what a mutual fund was, but I worked with some older guys who opened my eyes to saving and investing. I was an eager student and those two men changed the trajectory of my fa...
by Rupert
Mon Aug 13, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Where to stay in Key West?
Replies: 20
Views: 1103

Re: Where to stay in Key West?

As others have said, one doesn't go to Key West for the beaches, which are rocky and typically have strong currents just offshore (which makes swimming iffy). Key West is great for other water-based activities -- fishing, kayaking, snorkeling, paddle boarding, sailing, etc. It's also just a great li...
by Rupert
Sun Aug 12, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Liability only car insurance and my car destroyed
Replies: 15
Views: 2567

Re: Liability only car insurance and my car destroyed

Liability only car insurance and my car destroyed How it works and my insurance company doesn't pay anything to me You haven't provided enough information for anyone to help you. Was your car destroyed in an accident or via some other means? If an accident, was there another vehicle involved? If an...
by Rupert
Fri Aug 10, 2018 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage Account for Minor
Replies: 25
Views: 1480

Re: Brokerage Account for Minor

I think you'd want to prioritize Roth IRA over tIRA at her age so the money can grow tax-free for 60-70 years. You are still limited by the amount of her earned income for the year. If she has no earned income, I'd just use the regular custodial account. As for the successor custodian matter, they j...
by Rupert
Fri Aug 10, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 33
Views: 2255

Re: Plan for Parental Care in my road to financial independence

Has MIL already gotten a green card? Not yet, currently in the process A bunch of my friends who are still working tell me "things are different now" regarding green cards. Good luck. That's exactly the point I kept trying to impress upon OP in my posts above without getting into politics. See http...
by Rupert
Fri Aug 10, 2018 9:33 am
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 28
Views: 2501

Re: Vanguard Switch to Brokerage Accounts

Can anyone tell me how this switch would affect someone attempting a backdoor Roth IRA for the first time this year? If the person already has a Roth account at Vanguard, which is an old mutual fund account, but opens a new tIRA at Vanguard, which is a new brokerage account, will there be any hiccup...
by Rupert
Fri Aug 10, 2018 8:03 am
Forum: Investing - Theory, News & General
Topic: Offering 401k Advice to my coworkers?
Replies: 36
Views: 3135

Re: Offering 401k Advice to my coworkers?

Their response was that any advice must come from Vanguard. In that context, I wonder if said Vanguard rep is acting in the context of a Fiduciary. Vanguard is almost certainly acting as a 3(21) fiduciary. They may or may not have contractually assumed 3(38) fiduciary responsibility as well. Just a...
by Rupert
Thu Aug 09, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: First time taking kids to airport..
Replies: 28
Views: 2240

Re: First time taking kids to airport..

getthatmarshmallow wrote:
Thu Aug 09, 2018 4:51 pm


Pack a lot of snacks. My kids (5 and 2) acted like I hadn't fed them in a week as they scarfed down everything on the plane.
The chewing helps equalize the pressure in their ears. My kids eat nonstop on planes too.
by Rupert
Thu Aug 09, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: First time taking kids to airport..
Replies: 28
Views: 2240

Re: First time taking kids to airport..

You can gate check carseats for free. That's preferable to checking them at the check-in counter. They'll get slammed around a little less (just a little).
by Rupert
Thu Aug 09, 2018 4:39 pm
Forum: Investing - Theory, News & General
Topic: Offering 401k Advice to my coworkers?
Replies: 36
Views: 3135

Re: Offering 401k Advice to my coworkers?

Yes, crossing a line and placing yourself and the company at risk. There's a reason why retirement plan decision-makers are covered by ERISA liability insurance. I'm on my company's retirement plan committee and am covered by our insurance policy, but I still am careful to couch my answers to employ...
by Rupert
Thu Aug 09, 2018 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 33
Views: 2255

Re: Plan for Parental Care in my road to financial independence

I'm not afraid of an IRS challenge. I hire my MiL to provide a service. I don't dictate her hours, or tell her what to do. I just request that she spends 3 hours a week cleaning my house. If that's not a 1099 relationship, I don't know what is. She has no medical issues right now. I was simply anti...
by Rupert
Thu Aug 09, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 33
Views: 2255

Re: Plan for Parental Care in my road to financial independence

I'm not afraid of an IRS challenge. I hire my MiL to provide a service. I don't dictate her hours, or tell her what to do. I just request that she spends 3 hours a week cleaning my house. If that's not a 1099 relationship, I don't know what is. She has no medical issues right now. I was simply anti...
by Rupert
Thu Aug 09, 2018 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 33
Views: 2255

Re: Plan for Parental Care in my road to financial independence

I'm not afraid of an IRS challenge. I hire my MiL to provide a service. I don't dictate her hours, or tell her what to do. I just request that she spends 3 hours a week cleaning my house. If that's not a 1099 relationship, I don't know what is. She has no medical issues right now. I was simply anti...
by Rupert
Thu Aug 09, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Uninsured Motorist coverage
Replies: 30
Views: 1727

Re: Uninsured Motorist coverage

A bit perplexing. Uninsured motorist hits your car and injures you and a passenger. Medical and liability coverage should kick in regardless. In what scenario would one need to use this beyond simply selecting state minimums? https://www.allstate.com/tools-and-resources/videos/ask-agent-car-insuran...
by Rupert
Thu Aug 09, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Uninsured Motorist coverage
Replies: 30
Views: 1727

Re: Uninsured Motorist coverage

A bit perplexing. Uninsured motorist hits your car and injures you and a passenger. Medical and liability coverage should kick in regardless. In what scenario would one need to use this beyond simply selecting state minimums? https://www.allstate.com/tools-and-resources/videos/ask-agent-car-insuran...
by Rupert
Thu Aug 09, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 105
Views: 6302

Re: Minivan Vs SUV Experience

Q to who own(ed) both. My wife is not good at parking. And the public parking spaces here are very narrow. She insists SUV is easier to park because it's shorter and narrower than minivan. How's your experience? Which SUV are you considering? Not all SUVs are shorter and narrower than minivans. I f...
by Rupert
Thu Aug 09, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Trying to understand the logistics of a 403b in relation to bonds and selling
Replies: 19
Views: 648

Re: Trying to understand the logistics of a 403b in relation to bonds and selling

Okay well this is all blowing my mind. I was under the impression that whatever I put into my Roth IRA could be taken out tax free after I followed whatever the requirements were at age 59 1/2 or whatever it is. That is correct. But you are paying the tax now, not later. I have to run to a meeting,...
by Rupert
Thu Aug 09, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Trying to understand the logistics of a 403b in relation to bonds and selling
Replies: 19
Views: 648

Re: Trying to understand the logistics of a 403b in relation to bonds and selling

Whether you have to fill out paperwork to exchange funds within your 403b plan will depend on the rules of your particular plan. Does your plan have a website? Most plans allow you to adjust your investments on-line now, without filling out any paperwork. It should be easy, and there are no tax cons...
by Rupert
Thu Aug 09, 2018 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Need help with contributing to two 529s
Replies: 6
Views: 316

Re: Need help with contributing to two 529s

After reading posts in "Will you pay for your kids higher education?" in personal finance, we've decided to build funds for our 2 kids' in-state tuition + living expenses. We are targeting $100k for each in today's dollars. Kids will go to college in 6 and 10 years. We already set up 2 529s with Va...
by Rupert
Wed Aug 08, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Cell phone battery pack, cancer warning?
Replies: 15
Views: 865

Re: Cell phone battery pack, cancer warning?

California Proposiiton 65 warnings are everywhere in the state. They're on gas pumps, enclosed parking facilities, alcoholic beverages, , construction products, designated smoking areas, dental offices, etc. It would be hard to be in California and not run accross many of them just in day-to-day li...
by Rupert
Wed Aug 08, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Cell phone battery pack, cancer warning?
Replies: 15
Views: 865

Re: Cell phone battery pack, cancer warning?

Yes, it is just a California thing. Proposition 65. Google it.
by Rupert
Wed Aug 08, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: Insurance refusing to pay for car accident
Replies: 26
Views: 2355

Re: Insurance refusing to pay for car accident

Yes, it was a single hit, car C hit Car B and Car B plowed into my car. I took the car to a local body shop and they estimated the damage to be around $3,500. Your original post indicated it was a 2 hit for your car. If above is true, Car B and its insurance is not responsible for anything to you. ...
by Rupert
Wed Aug 08, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: Insurance refusing to pay for car accident
Replies: 26
Views: 2355

Re: Insurance refusing to pay for car accident

Clarification: the reference to County road meant nothing. It was a two lane paved road in Newark city. By 'driving' I wanted to make it clear that the cars were not 'standing' at a traffic light or such, in case there is a legal distinction between the two. If I could, I would like to avoid lawsui...
by Rupert
Wed Aug 08, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Insurance refusing to pay for car accident
Replies: 26
Views: 2355

Re: Insurance refusing to pay for car accident

You have to sue the drivers of Car B and Car C. Who is responsible for your damages will depend on state law, i.e., if NJ is a contributory or comparative negligence state. If you had collision coverage, your insurance company would sue them for you, but since you don't, you'll have to speak to a pl...
by Rupert
Wed Aug 08, 2018 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Tax-deductible 403b vs. taxable Vanguard ETF
Replies: 26
Views: 1250

Re: Tax-deductible 403b vs. taxable Vanguard ETF

niceguy, speaking as somebody who has tried to reform this industry, I just wanted to throw in my two cents. This exploitation ultimately persists because teachers don't do anything about it. You can argue "why" that is, but the end result is the same. I think you can make a strong argument that th...
by Rupert
Wed Aug 08, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Seeking ideas for relaxing but not boring vacation
Replies: 19
Views: 1448

Re: Seeking ideas for relaxing but not boring vacation

The Olympic Peninsula in Washington + the San Juan Islands + Vancouver Island, BC.
by Rupert
Wed Aug 08, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Do We need health insurance??
Replies: 137
Views: 9240

Re: Do We need health insurance??

Catastrophic policies are unavailable for those of us over 30 because Congress decided to make it that way. It isn't an underwriting issue. They used to be available. Plenty of people decide not to buy health insurance, that has always been the case and always will be. We don't all see risk the sam...
by Rupert
Wed Aug 08, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: When is leaving your job that pays well a good idea?
Replies: 74
Views: 6827

Re: When is leaving your job that pays well a good idea?

I had an early thirties crisis too. It's very common. I took some time off to go on a long backpacking trip, did some navel gazing, got divorced, started playing league tennis, got remarried. Those things mostly cured me. Having kids a few years later completed the cure. When I emerged from the cris...
by Rupert
Wed Aug 08, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6387

Re: "Dollar Tree Store" favorites

The toothpaste and deodorant and buy from their is the same product and cheaper per ounce then Target. Good luck. No, dollar store toothpaste is not the same product that you can buy at Target: https://www.snopes.com/fact-check/dollar-store-toothpaste/ Again, I don't recommend buying anything at a ...
by Rupert
Wed Aug 08, 2018 7:59 am
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6387

Re: "Dollar Tree Store" favorites

The toothpaste and deodorant and buy from their is the same product and cheaper per ounce then Target. Good luck. No, dollar store toothpaste is not the same product that you can buy at Target: https://www.snopes.com/fact-check/dollar-store-toothpaste/ Again, I don't recommend buying anything at a ...