Search found 3892 matches

by Rupert
Fri Jan 18, 2019 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Child Turning 18 in a few weeks
Replies: 17
Views: 1190

Re: Child Turning 18 in a few weeks

Most people don't do any of these things in any sort of formal way for non-special-needs kids. By that I mean, it's all typically done on an ad hoc basis. When/if your kid enrolls in college, she will be given lots of forms to fill out, likely including forms giving parents access to grades, medical...
by Rupert
Fri Jan 18, 2019 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Child Turning 18 in a few weeks
Replies: 17
Views: 1190

Re: Child Turning 18 in a few weeks

^I'd add special needs or learning differences to your thread title. +1. If you re-title the thread, "Legal documents for special needs child soon turning 18," you'll get more hits from lawyers and other professionals with relevant experience. I'm a lawyer but not the right kind of lawyer you need....
by Rupert
Fri Jan 18, 2019 11:26 am
Forum: Personal Consumer Issues
Topic: Is the security check website "Have I Been Pwned?" legit?
Replies: 28
Views: 3614

Re: Is the security check website "Have I Been Pwned?" legit?

Funny, my employer's computer systems administrator just sent an email to all our employees today recommending that we regularly check this site. I wonder why it's receiving so much attention all of a sudden? (It's legit, by the way, or our CSA wouldn't be recommending it).
by Rupert
Fri Jan 18, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: Home Owner's Insurance
Replies: 9
Views: 849

Re: Home Owner's Insurance

Other than the optional riders (jewelry, computers, etc.), there's not a lot about an HO policy that is negotiable. Personal property coverage seems to always be a percentage of the insured value of the structure. Each insurance company has its own proprietary algorithm for figuring insured value, w...
by Rupert
Fri Jan 18, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: Umbrella Coverage for Hired Subcontractors
Replies: 7
Views: 533

Re: Umbrella Coverage for Hired Subcontractors

You definitely need to read your policy carefully. Some policies contain explicit language stating that you are only covered if you hire licensed contractors. As for whether there can be negligence where you knowingly hire unlicensed/uninsured contractors, yes, absolutely. You are potentially respon...
by Rupert
Fri Jan 18, 2019 8:40 am
Forum: Personal Consumer Issues
Topic: bathroom vent condensation moisture
Replies: 16
Views: 1505

Re: bathroom vent condensation moisture

Yeah, I agree you might have a leak in your roof (around the vent pipe or somewhere else and the water is entering the vent because it's the path of least resistance). If it only drips when it's raining/wet outside, there's your answer. But it could also be that your fan is on its last legs. Was the...
by Rupert
Thu Jan 17, 2019 2:01 pm
Forum: Personal Consumer Issues
Topic: New dishwasher recommendations?
Replies: 14
Views: 866

Re: New dishwasher recommendations?

I can tell you what not to buy: Whirlpool Gold. It's a rusty, stinky nightmare.
by Rupert
Thu Jan 17, 2019 2:00 pm
Forum: Personal Consumer Issues
Topic: Audio book options
Replies: 28
Views: 1041

Re: Audio book options

+1 for Audible. It's relatively inexpensive ($15-$23/mo) which includes 1 or 2 books/mo, respectively. The convenience of it is high and all the productions I've listened to have been excellent. They also offer a few free books monthly you can listen to. The library is an interesting option but I f...
by Rupert
Thu Jan 17, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: Audio book options
Replies: 28
Views: 1041

Re: Audio book options

Public libraries have the best selection (new books, not just classics) at the lowest price (nothing). Note that they lend them out like books, i.e., they'll only have so many copies of digital books to lend at a time, so you may have to get in a queue for new releases (just like you would new, popu...
by Rupert
Thu Jan 17, 2019 11:30 am
Forum: Personal Consumer Issues
Topic: Anyone with experience with Carmax?
Replies: 74
Views: 23661

Re: Anyone with experience with Carmax?

The Carmax process is quick and easy, in part because their employees are salaried. So you don't get the sleazy sale tactics that you often get at other dealerships. They do not, however, have the lowest prices, at least not on popular cars. Regularly checking their inventory on 2 and 3-year-old Sub...
by Rupert
Thu Jan 17, 2019 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Using Medicare while having employer insurance
Replies: 4
Views: 442

Re: Using Medicare while having employer insurance

Often the employer's health insurance contract will spell out more accurately how benefits are coordinated with Medicare than the employer's HR department or Medicare will. So you might look there. You don't get to pick what happens, i.e., you don't get to pick Medicare over employer coverage. There...
by Rupert
Wed Jan 16, 2019 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: TIRA Roth Conversion and Backdoor Roth IRA in the same year possible?
Replies: 28
Views: 999

Re: Mega Roth Conversion and Backdoor Roth IRA in the same year possible?

Yes, I think you can do both. The only date that matters for the pro rata rule is the last day of the year, 12/31/19 in your case. So long as your tIRA balance is zero on that date, you should be fine. Now, having never done this myself, I have no idea how complicated the tax reporting will be. Hope...
by Rupert
Wed Jan 16, 2019 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Owned By Revocable Living Trust
Replies: 15
Views: 882

Re: Auto Owned By Revocable Living Trust

Some states have special non-probate transfer procedures just for cars. Usually a condition to the use of such a process is that probate isn't necessary for your other assets, which would seem to be the case for you.
by Rupert
Wed Jan 16, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: What kind of health insurance for a newborn?
Replies: 9
Views: 783

Re: What kind of health insurance for a newborn?

Am I correct in my understanding that I can enroll a newborn within the first 60 days of birth and it would be retroactive? Newborns see the doctor a lot (at birth, a week or so after birth, and at least 6 more times during the first year, assuming the kid is healthy). So factor in co-pays/co-insur...
by Rupert
Wed Jan 16, 2019 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Invest for larger expenses?
Replies: 12
Views: 641

Re: Invest for larger expenses?

Thanks wetgear. I've got zero experience with I bonds, could you give me a Vanguard fund/name for reference so I can read up? I bonds are government-issued savings bonds and can only be purchased directly from the government at Treasury Direct. I, personally, wouldn't use them for the purposes you ...
by Rupert
Wed Jan 16, 2019 7:36 am
Forum: Personal Finance (Not Investing)
Topic: What kind of health insurance for a newborn?
Replies: 9
Views: 783

Re: What kind of health insurance for a newborn?

Am I correct in my understanding that I can enroll a newborn within the first 60 days of birth and it would be retroactive? That's the way it works when you add a newborn to an existing policy (except it's often 30 days for employer plans). I'm not sure it works that way when you're buying a new po...
by Rupert
Tue Jan 15, 2019 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Invest for larger expenses?
Replies: 12
Views: 641

Re: Invest for larger expenses?

Online savings account. The best ones are currently paying 2+%. Anything else, except maybe CDs, is too risky for such a short time horizon.
by Rupert
Tue Jan 15, 2019 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Brother in law had a stroke (health ins options?)
Replies: 10
Views: 1132

Re: Brother in law had a stroke (health ins options?)

If he applies for and receives SSDI (Social Security disability), he becomes eligible for early Medicare after 2 years. His private DI insurer likely required him to apply for SSDI. As for what he does before the 2 years, COBRA would be an option for 18 months (longer in some states that have extend...
by Rupert
Tue Jan 15, 2019 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: A co-worker makes more than me
Replies: 77
Views: 6552

Re: A co-worker makes more than me

Sometimes (oftentimes, actually) people who make more have asked for more. It could be as simple as that. (See, e.g., all the studies explaining why women tend to make less than similarly-situated male coworkers). Perhaps your coworker asked for a raise, and you didn't. So, yes, I would absolutely b...
by Rupert
Tue Jan 15, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: School staff threatened to call social worker
Replies: 54
Views: 2738

Re: School staff threatened to call social worker

But it seems to me that the value of experiencing another country considerably exceeds the value of attending school. Wow, really? Have you visited an American kindergarten lately? They spend half their days playing games on iPads and 2 hours a day napping. So, yeah, really. OP: Since this is going...
by Rupert
Mon Jan 14, 2019 12:46 pm
Forum: Personal Consumer Issues
Topic: How do I stop jeans from ripping in the thighs?
Replies: 70
Views: 4283

Re: How do I stop jeans from ripping in the thighs?

... crotch blowout... "Crotch blowout" Well, now this is sounding more like an issue of personal health or hygiene. I don't think we're supposed to provide medical advice on this forum, but that sounds serious... maybe get that checked out? Ha. Fortunately, it's a matter for your seamstress or tail...
by Rupert
Mon Jan 14, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: 2019 Camry vs RAV4
Replies: 25
Views: 2422

Re: 2019 Camry vs RAV4

I wouldn't expect any discounts on the 2019 Rav4 because it's brand new and there's high demand for it. Toyota was running a great discount on the 2018s when I was shopping in the fall ($2500 mfr incentive and 0% financing with 2 years free service), but I doubt there are many 2018s left at this poi...
by Rupert
Mon Jan 14, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: How do I stop jeans from ripping in the thighs?
Replies: 70
Views: 4283

Re: How do I stop jeans from ripping in the thighs?

"Crotch blowout" is different from inner thigh wear. Inner thigh wear is caused by friction when thighs rub together. OP, don't wash your jeans after each wear and never dry them. That should help.
by Rupert
Sat Jan 12, 2019 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Free legal consumer advice? [Legal consultation for car insurance problem]
Replies: 4
Views: 294

Re: Free legal consumer advice??????

Some local or state bar associations run volunteer lawyer programs that provide free or low-cost legal advice to qualifying individuals. Sometimes you have to establish need, i.e., show that you cannot afford to pay a lawyer, and sometimes the programs only offer certain types of advice, e.g., fair ...
by Rupert
Fri Jan 11, 2019 6:01 pm
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 69
Views: 8129

Re: Who's flying?

Flew two days this week in OR, WA, UT with no indication of differences from my normal travel experiences. That's using TSA precheck, but lines did not look inordinately long for regular passengers either. Maybe the problem with government shutdowns is too much is normal when things are shut down. ...
by Rupert
Fri Jan 11, 2019 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken External Transfers
Replies: 20
Views: 719

Re: Quicken External Transfers

Create a dummy transfer account. Just call it "investments" or something.
by Rupert
Fri Jan 11, 2019 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Geico auto - used parts??
Replies: 25
Views: 1300

Re: Geico auto - used parts??

Is UPC a surplus line carrier? I also live in a coastal area where many of the big-time insurance companies (Allstate, etc.) won't write HO (or, at least, the wind component of HO) policies. They will, instead, refer you to another carrier, usually a surplus-line carrier, with whom they have some s...
by Rupert
Fri Jan 11, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Geico auto - used parts??
Replies: 25
Views: 1300

Re: Geico auto - used parts??

The thing is that my auto was Arbella, and my homeowners is UPC. He says that there was a discount on homeowners by using Arbella for auto because Arbella doesn't insure coastal homes. At this point I'm not going to ask him about the "used parts" statement because what is done is done. The Geico po...
by Rupert
Fri Jan 11, 2019 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Geico auto - used parts??
Replies: 25
Views: 1300

Re: Geico auto - used parts??

Not surprising your HO policy premium went up as you often get a substantial discount for combining home and auto insurance with the same carrier. That would have happened automatically. Not sure your broker bears any responsibility for that. As for the "used" parts, does he mean "aftermarket"? If s...
by Rupert
Fri Jan 11, 2019 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: 529 or Taxable or Mix for K-12
Replies: 1
Views: 150

Re: 529 or Taxable or Mix for K-12

I have a baby and hopefully more on the way and want to send them to a particular somewhat expensive private school ($6k/year/kid). The Tax Cuts and Jobs Act allows for K-12 expenses to be paid out of a 529, and ESAs have had that treatment for a while. I am contributing to both. But now I am wonde...
by Rupert
Fri Jan 11, 2019 12:51 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9719

Re: Disciplined with finances, but not so with diet

Hey, stoptothink, can you entertain this, perhaps, stupid question that has been at the back of my mind for some time? People with cancer often suffer from a wasting disease/process called cachexia. People with autoimmune diseases sometimes suffer from a milder version of the same disease/process. ...
by Rupert
Fri Jan 11, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9719

Re: Disciplined with finances, but not so with diet

Hey, stoptothink, can you entertain this, perhaps, stupid question that has been at the back of my mind for some time? People with cancer often suffer from a wasting disease/process called cachexia. People with autoimmune diseases sometimes suffer from a milder version of the same disease/process. A...
by Rupert
Thu Jan 10, 2019 5:17 pm
Forum: Personal Consumer Issues
Topic: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?
Replies: 82
Views: 5517

Re: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?

Of course you CAN raise three kids without buying a 3-row vehicle. But you and your children will be more comfortable in a larger vehicle (larger than a Prius V, doesn't necessarily have to be a minivan or huge SUV, although minivans do have many positive attributes). The relevant question is how va...
by Rupert
Thu Jan 10, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: 5 days. What to do in Las Vegas and Grand Canyon
Replies: 48
Views: 2606

Re: 5 days. What to do in Las Vegas and Grand Canyon

Personally with young kids I wouldn't go to Las Vegas. I'd go to the Grand Canyon but then head in the other direction. I'd see the Meteor Crater, Petrified National Forest, Painted Desert, 4 Corners, Canyon De-Chelly and Monument Valley. There are several smaller national parks/monuments on this l...
by Rupert
Thu Jan 10, 2019 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off a 30 year mortgage in 15 years? The cost of flexibility
Replies: 79
Views: 7550

Re: Pay off a 30 year mortgage in 15 years? The cost of flexibility

mhalley wrote:
Thu Jan 10, 2019 1:12 pm
It will depend on closing costs and mortgage rates.
That, and I think the strategy (taking a 30 for flexibility) is often recommended to people who can just barely afford the 15-year (i.e., it would be a stretch for them) or maybe work in a field (e.g., sales) in which income is variable.
by Rupert
Thu Jan 10, 2019 12:12 pm
Forum: Personal Consumer Issues
Topic: Fender Bender backing out of garage. File a claim with insurance?
Replies: 21
Views: 1506

Re: Fender Bender backing out of garage. File a claim with insurance?

Does the fender need repair or complete replacement? If replacement is required then you need to decide if the replacement fender will be a genuine Toyota part or an aftermarket part. Considering this is a 2015 model, I would choose the genuine Toyota fender if I intended to keep the car for severa...
by Rupert
Thu Jan 10, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: Fender Bender backing out of garage. File a claim with insurance?
Replies: 21
Views: 1506

Re: Fender Bender backing out of garage. File a claim with insurance?

Does the fender need repair or complete replacement? If replacement is required then you need to decide if the replacement fender will be a genuine Toyota part or an aftermarket part. Considering this is a 2015 model, I would choose the genuine Toyota fender if I intended to keep the car for severa...
by Rupert
Thu Jan 10, 2019 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund questions
Replies: 17
Views: 921

Re: Emergency Fund questions

Many people, myself included, take a tiered approach to saving for emergencies/job loss. Example -- First tier: Cash in a checking account, savings account and/or money market account. Second tier: I Bonds (only the portion available for redemption at any given time), short-term bond index fund, sho...
by Rupert
Thu Jan 10, 2019 9:07 am
Forum: Personal Consumer Issues
Topic: Opinions on 2019 RAV4 and/or 2019 Santa Fe
Replies: 23
Views: 1798

Re: Opinions on 2019 RAV4 and/or 2019 Santa Fe

I'd have to update myself on the Santa Fe, but isn't it a bigger? Kind of inbetween CRV and Pilot, so maybe compare to Highlander also. Also, don't forget new Passport that now fills gap and might be closer comparison. FWIW, my neighbor who's owned a Santa Fe for about a decade and was happy wound ...
by Rupert
Thu Jan 10, 2019 7:40 am
Forum: Personal Consumer Issues
Topic: 5 days. What to do in Las Vegas and Grand Canyon
Replies: 48
Views: 2606

Re: 5 days. What to do in Las Vegas and Grand Canyon

It's only about an hour longer to drive to the South Rim of the Grand Canyon from Vegas relative to Phoenix. (Only the South Rim will be open in April). So I would keep the Vegas flights and use Vegas as your base. It is a rather long drive (5ish hours) so I would book a room somewhere near the Gran...
by Rupert
Wed Jan 09, 2019 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Is it worth buying an global fund if the expense ratio is .82
Replies: 8
Views: 679

Re: Is it worth buying an global fund if the expense ratio is .82

I would hold international in Roth and/or a taxable account rather than invest in that fund.
by Rupert
Wed Jan 09, 2019 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Life transition, what's next
Replies: 25
Views: 3183

Re: Life transition, what's next

Don't despair. You're actually not in bad shape relative to many of your peers, especially since you seem willing to continue working part time. Absolutely nothing wrong with working at Home Depot. The key is going to be to continue keeping your expenses low, and that includes investment expenses. E...
by Rupert
Wed Jan 09, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Large SUV
Replies: 75
Views: 6399

Re: Large SUV

Family is priceless cargo, worth much more than gas mileage. On a trip, your last defense on the road is what you are driving in. This is where the large SUV shines over any minivan. People are so focused on repair bills and mileage that sometimes they lose sight of this. I have seen some minivan a...
by Rupert
Wed Jan 09, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: Advice for moving from urban to rural ~ real estate issues?
Replies: 10
Views: 752

Re: Advice for moving from urban to rural ~ real estate issues?

In rural areas, there are generally fewer good rentals available, and many of the best rentals will change hands by word of mouth, i.e., they'll never be listed. As a result, I recommend working with a local realtor, as opposed to just reading ads as you might do in a large city.
by Rupert
Wed Jan 09, 2019 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5034

Re: Diagnosing Knee Problems over the Phone - Medicare

I'm guessing the surgeon's thinking is they don't want to waste their time if your wife is not a candidate for surgery. And your wife likely isn't a candidate for surgery unless she's tried pain medications with management by a PCP and/or physical therapy. How would they know until they see her and...
by Rupert
Wed Jan 09, 2019 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5034

Re: Diagnosing Knee Problems over the Phone - Medicare

I'm guessing the surgeon's thinking is they don't want to waste their time if your wife is not a candidate for surgery. And your wife likely isn't a candidate for surgery unless she's tried pain medications with management by a PCP and/or physical therapy. How would they know until they see her and...
by Rupert
Wed Jan 09, 2019 12:40 pm
Forum: Personal Consumer Issues
Topic: Serovital- ????
Replies: 18
Views: 1004

Re: Serovital- ????

See https://www.mayoclinic.org/healthy-lifestyle/healthy-aging/in-depth/growth-hormone/art-20045735 . It is always important to keep in mind that the supplement industry is an unregulated swamp of snake oil. If your doctor isn't prescribing it to address a deficiency or other medical need, it's like...
by Rupert
Wed Jan 09, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 137
Views: 20404

Re: Best town I've never heard of [for relocating]

I learned, reading this thread, that there’s a magazine called “Garden and Gun.” Who knew? I ran across this magazine in the lobby of a dentist office in Waco TX. At first I thought it was some sort of National Lampoon style spoof. But no, it is definitely real, and apparently popular in the south....
by Rupert
Wed Jan 09, 2019 9:41 am
Forum: Personal Consumer Issues
Topic: Fender Bender backing out of garage. File a claim with insurance?
Replies: 21
Views: 1506

Re: Fender Bender backing out of garage. File a claim with insurance?

Not all dealers do body work. It wouldn't hurt to get a quote from the dealer's shop if they have one, but don't assume that the dealer-affiliated shop will be any better than the shops you've already consulted. With a $1000 deductible, I would not file an insurance claim for an incident like this. ...