Search found 3042 matches

by Rupert
Tue Jun 19, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 15
Views: 354

Re: gray hair

PVW wrote:
Tue Jun 19, 2018 12:47 pm
atlanta_dad wrote:
Tue Jun 19, 2018 12:34 pm
wife and kids are stressing to color, I am thinking of going for it.
If you give in to this, next thing is they'll be forcing you to trim your ear hair. Where does it end?
Nose hair then back hair then toe hair. I think it ends with toe hair.
by Rupert
Tue Jun 19, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 15
Views: 354

Re: gray hair

I think you're fighting a losing battle, but if you're going to do it, have it done by a professional. The stuff out of a box usually looks, well, like it came out of a box.
by Rupert
Tue Jun 19, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 106
Views: 8614

Re: I was rear ended and the other guy wants a payout!

How did you hear that he is now disputing fault and claiming injury? Did you hear from him or his insurance company? Has he actually filed a claim on your liability policy? If it's not too late and you maintain collision coverage, I would seek reimbursement for the repairs under your own collision ...
by Rupert
Mon Jun 18, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 4948

Re: A vehicle that "sits up" but can't afford CRV

Amusing how all the people who seem to be obsessed with sitting up high always seem to be tailgaters. They feel the need to "see over" the vehicles in front of them because they're so close that the vehicle in front would otherwise comprise a good 1/3 of their total visual area. Maintaining a safe ...
by Rupert
Mon Jun 18, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Where to purchase an used clarinet for a student - Amazon vs. store?
Replies: 14
Views: 652

Re: Where to purchase an used clarinet for a student - Amazon vs. store?

Have you checked Craigslist? I have found it to be the best place to buy used musical instruments. Lots of kids play clarinet in high school band but will abandon the instrument after high school. They tend to unload their used instruments on Craigslist.
by Rupert
Mon Jun 18, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Best stroller+infant seat for gravel roads?
Replies: 18
Views: 910

Re: Best stroller+infant seat for gravel roads?

Thanks everyone! I've added the BOB rambler travel system to my registry but will be looking for the revolution if I can find it on sale. That price tag! :moneybag Still glad to hear a consensus that it's a good one to use off road. Appreciate the help! BOB also makes a sport utility stroller that ...
by Rupert
Fri Jun 15, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: Contractor - Threatening Lien/Lawsuit
Replies: 43
Views: 3458

Re: Contractor - Threatening Lien/Lawsuit

He's likely making an idle threat, and, given his overall sketchiness, I doubt he's spoken to (let alone has his own) attorney. How much money have you already given him, and how strongly do you feel you need to get that money back? If a small amount that you're willing to write off to life experien...
by Rupert
Fri Jun 15, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Long Weekend in November - NOLA, Austin, Other
Replies: 26
Views: 1206

Re: Long Weekend in November - NOLA, Austin, Other

As others have noted, the French Quarter in New Orleans is just a horrible tourist trap. Stay in the Garden District. If you have only seen the French Quarter, then you haven't seen New Orleans.
by Rupert
Fri Jun 15, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Company 401(k) Actually Better Than IRA? (Fidelity)
Replies: 6
Views: 445

Re: Company 401(k) Actually Better Than IRA? (Fidelity)

Do you mean you have a Roth 401k sponsored by your previous employer? Does your new employer also sponsor a Roth 401k? (I, and another poster I now see, are asking this because you can't commingle Roth funds with non-Roth funds). If your new employer doesn't sponsor a Roth 401k, your only options wo...
by Rupert
Fri Jun 15, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 4948

Re: A vehicle that "sits up" but can afford CRV

She should look at the Hyundai, Kia, Ford, and GM products in the same class, and consider buying one of those gently used (at least 2 years old to get the best deals). Those brands depreciate faster than Hondas, Toyotas, and Subarus (and even Nissans and Mazdas), so are a better deal used than new....
by Rupert
Fri Jun 15, 2018 7:11 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 106
Views: 8614

Re: I was rear ended and the other guy wants a payout!

I’m sure the “injury” being claimed will be something vague like a sore neck or back. I’m sure sometimes that’s real, I’m also sure that more often than not it’s a way to try to milk money out of people. I think it is just the opposite. Even a minor car accident at slow speed with minor damage and ...
by Rupert
Thu Jun 14, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 106
Views: 8614

Re: I was rear ended and the other guy wants a payout!

I drive a performance car with much shorter stopping distance than average. Are you required to keep a longer following distance if you follow me? What if I have winter tires in the winter and you are plodding along in your "good enough" all seasons? Or am I required to stop as slowly as your car c...
by Rupert
Thu Jun 14, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 106
Views: 8614

Re: I was rear ended and the other guy wants a payout!

One more suggestion, OP: When you are interviewed by your insurance company or the other driver's, don't say the other driver was speeding. You usually can't actually know that (you weren't in his van looking at his speedometer, were you?), and there's kind of an unofficial maxim which holds that th...
by Rupert
Thu Jun 14, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 106
Views: 8614

Re: I was rear ended and the other guy wants a payout!

I do not believe I'm at fault in this case, but whatever the outcome, what really upsets me is people who fake injuries in order to maximize accident settlements. There is no way this guy was legitimately injured in this accident. My second question is that while I have already filed with my insura...
by Rupert
Thu Jun 14, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Employer changing investments in 401K
Replies: 5
Views: 503

Re: Employer changing investments in 401K

My employer is changing investment options. The two of interest to me are changing as below: State Street S&P 500 Ind NL C -> Ind class K Vanguard Mid-Cap Ind Inst -> Inst Plus I am hoping these to be positive changes in that ERs would go down. It does for mid-cap. However for 500, going from non-l...
by Rupert
Thu Jun 14, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 106
Views: 8614

Re: I was rear ended and the other guy wants a payout!

How did you hear that he is now disputing fault and claiming injury? Did you hear from him or his insurance company? Has he actually filed a claim on your liability policy? If it's not too late and you maintain collision coverage, I would seek reimbursement for the repairs under your own collision p...
by Rupert
Thu Jun 14, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Financial strength ratings of auto insurers
Replies: 12
Views: 826

Re: Financial strength ratings of auto insurers

jalbert wrote:
Wed Jun 13, 2018 10:57 pm
Financial strength is what enables them to be capable of paying your claims if you need to file one.
Unless you're buying insurance from one of those sketchy companies that advertise late at night on basic cable television, I wouldn't worry about this.
by Rupert
Thu Jun 14, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3527

Re: Non-alcoholic drinks for wedding

At every dry wedding I've attended, soft drinks, water, coffee, and some sort of punch was served. I don't really see the point of non-alcoholic mixed drinks. I'd spend my money on really excellent food instead.
by Rupert
Wed Jun 13, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 78
Views: 5394

Re: Anyone with a paid off house drop homeowners insurance

Curious, if a house burned to the ground and the fire spread to a neighbor’s house, and the neighbor’s insurance company determined the fire was cause by the homeowner of the first house, would the neighbor’s insurance company slap a lien on the owner of the first house to recoup their loss from pa...
by Rupert
Wed Jun 13, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 78
Views: 5394

Re: Anyone with a paid off house drop homeowners insurance

Slightly different. I have a condo in FL USAA would not write Insurance on it. I came to find out that many of the large insurance companies will not take on additional Florida homes. Then I moved down a couple of teirs and found a “local”insurance company who would. My major concern if a really bi...
by Rupert
Wed Jun 13, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 179
Views: 36611

Re: Bogleheads, tell me about your 40's?

I think my 40s have been like my 2nd year of law school. There's this saying (I'm sure every lawyer and law student has heard it a million times): In the first year of law school, they scare you to death. In the second year, they work you to death. In the third year, they bore you to death. They say...
by Rupert
Wed Jun 13, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 78
Views: 5394

Re: Anyone with a paid off house drop homeowners insurance

OP here. When I say insurance companies are out to make money, basically that means I don't trust them to pay. I feel like I am paying for something that I can't count on. A coworker has paid for what she thought was very good home owners insurance. She described it as very expensive "deluxe" homeo...
by Rupert
Wed Jun 13, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 11083

Re: Are you including SS in your planning model? Are the benefits really that high?

Thanks for all the replies. I think because I've just assumed over the last 20 years that there'd be no social security and it was up to is to take care of ourselves, i was a little floored by the projection of payments. I'll continue to assume zero for now. Once in our mid 50s in a decade, I'll co...
by Rupert
Wed Jun 13, 2018 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Help me with my FIL and an Insurance investment for my child
Replies: 11
Views: 805

Re: Help me with my FIL and an Insurance investment for my child

He's buying them life insurance. Don't give him the info he needs to do it. "Insurance investment" is an oxymoron.
by Rupert
Wed Jun 13, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 246
Views: 38776

Re: How to Minimize Your Emergency Care Expenses

Likewise, obtaining a list of in-network providers ahead of time doesn't do you much good. You can THINK that you're going to be covered, but you absolutely cannot KNOW. Even the policy will tell you in so many places and in so many words, that there are NO guarantees. I was told on the phone, the ...
by Rupert
Wed Jun 13, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 246
Views: 38776

Re: How to Minimize Your Emergency Care Expenses

FWIW, the University of Utah Health Radio has a series called "ER or Not" and they did an episode on "food stuck in throat." https://healthcare.utah.edu/the-scope/shows.php?shows=0_1u0qm8fd I know for me, if I had food stuck in my throat but I was still breathing, I'd be extremely reluctant to go t...
by Rupert
Wed Jun 13, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 246
Views: 38776

Re: How to Minimize Your Emergency Care Expenses

I really didn't even know there were networks for a PPO BCBS. I've never seen that before, and the ER never said anything. I'm also not sure if my annual insurance limit applies ($6k and already met) as its an out-of-network ER. I never cease to be amazed by the number of people who do not read the...
by Rupert
Wed Jun 13, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 78
Views: 5394

Re: Anyone with a paid off house drop homeowners insurance

Slightly different. I have a condo in FL USAA would not write Insurance on it. I came to find out that many of the large insurance companies will not take on additional Florida homes. Then I moved down a couple of teirs and found a “local”insurance company who would. My major concern if a really bi...
by Rupert
Wed Jun 13, 2018 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Recommendation for High Deductible Health Care Plan - Ages 61/56
Replies: 17
Views: 1207

Re: Recommendation for High Deductible Health Care Plan - Ages 61/56

Someone mentioned: "Will your employer allow you to continue COBRA-like coverage after the 18 month mark? Call them and ask. That's what we're planning on." Is this to say the 18 month COBRA coverage period is a minimum required by law, and that an employer can offer COBRA for a much longer period?...
by Rupert
Tue Jun 12, 2018 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: [Looking for ways to reduce taxes and keep more of my income]
Replies: 91
Views: 8554

Re: Getting killed on taxes - any ideas?

You are getting absolutely destroyed by people here, but I will say, I understand your point of view. With a high income, seeing the raw numbers come out somehow hurts worse than if you figure the actual tax rate which actually isn't that terrible, but to folks not making this sort of cash, its rea...
by Rupert
Tue Jun 12, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Recommendation for High Deductible Health Care Plan - Ages 61/56
Replies: 17
Views: 1207

Re: Recommendation for High Deductible Health Care Plan - Ages 61/56

5) Healthcare Sharing Ministries. Might be appropriate for some but be aware of the low lifetime maximums (often $150k or so), exclusions, qualifications, and the fact that it's not a binding insurance contract. I'm still waiting to hear back from someone who joined one of these plans and then was ...
by Rupert
Tue Jun 12, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Recommendation for High Deductible Health Care Plan - Ages 61/56
Replies: 17
Views: 1207

Re: Recommendation for High Deductible Health Care Plan - Ages 61/56

5) Healthcare Sharing Ministries. Might be appropriate for some but be aware of the low lifetime maximums (often $150k or so), exclusions, qualifications, and the fact that it's not a binding insurance contract. I'm still waiting to hear back from someone who joined one of these plans and then was ...
by Rupert
Tue Jun 12, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 150
Views: 15294

Re: Should I take possession of a certified mail?

What do you think is in the letter? I'd be too curious not to open it. As part of my work, I communicate regularly with incarcerated persons, many of whom seem to believe that certified mail has magical properties -- that sending a letter by certified mail somehow enhances the merits of the quasi-le...
by Rupert
Tue Jun 12, 2018 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Term Life Insurance after breast cancer diagnosis
Replies: 3
Views: 532

Re: Term Life Insurance after cancer diagnosis

I think most insurance companies are going to make you wait 5-10 years after your last treatment for stage 2 breast cancer before writing a policy, but she should be able to buy insurance eventually. An independent broker can direct you to the companies who will write policies at 5 years, rather tha...
by Rupert
Tue Jun 12, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5417

Re: When should you consider removing the collision coverage on a car?

I had a bad experience where I was hit by a driver in a rental car whose only insurance was the insurance he bought at the rental-car counter. Fair enough. I saw this after my response. But this is classic definition of "corner case" ... YMMV is right = you will choose to spend thousands of dollars...
by Rupert
Tue Jun 12, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5417

Re: When should you consider removing the collision coverage on a car?

No, UMPD applies when the other driver does not have insurance. I'm talking about the situation where the at-fault driver has insurance but you don't want to file directly on their insurance. If you have collision coverage, you can file on your own collision policy instead and let your insurance co...
by Rupert
Tue Jun 12, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Recommendation for High Deductible Health Care Plan - Ages 61/56
Replies: 17
Views: 1207

Re: Recommendation for High Deductible Health Care Plan - Ages 61/56

A headline I read last week suggested that insurers are now free to ignore the ACA's prohibition against pre-existing condition exclusions. I have no idea what immediate impact, if any, this will have on ACA marketplace plans, but I believe it means that you should maintain coverage at whatever cost...
by Rupert
Tue Jun 12, 2018 7:30 am
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5417

Re: When should you consider removing the collision coverage on a car?

Just a couple of things to think about before dropping coverage . . . Collision coverage has some value beyond repairing your car in the event of an at-fault accident. It also entitles you to representation by your insurance company in the event of a not-at-fault accident, i.e., you can file a clai...
by Rupert
Mon Jun 11, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: 2018 RAV 4 or Camry
Replies: 28
Views: 1878

Re: 2018 RAV 4 or Camry

This is a very personal decision, so I don't think you should choose based on what others have chosen. I also don't think you can predict now what you will prefer should you become feeble down the road. That said, a higher car (but not too high) is probably a safer bet. The higher car is almost alwa...
by Rupert
Mon Jun 11, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 54
Views: 3927

Re: Water heater installation situation

My water heater sits on a wooden platform like that in my unfinished basement. I think the platform is there because the cement floor isn't level; it is sloped so that water runs from the outside walls to a sump pump. There's a metal pan between the heater and the platform. I just replaced my heater...
by Rupert
Mon Jun 11, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Pre 65 Retirees - Healthcare
Replies: 21
Views: 2023

Re: Pre 65 Retirees - Healthcare

Thanks for the replies. I guess I need to go back to the drawing board and also figure out the strategy to keep the income low so I can be eligible for ACA. I must have terribly underestimated our expenses in retirement - at least until we turn 65. Just to be clear (because lots of people misunders...
by Rupert
Sun Jun 10, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: House sale by owner - Problems & Pitfalls?
Replies: 30
Views: 1577

Re: House sale by owner - Problems & Pitfalls?

I would never consider buying a house listed FSBO because I don't want to deal with the seller. I don't want them showing the house or to even be at the house when I'm looking at it. It's just awkward touring a house with the owner standing right there. And there are certain questions that politenes...
by Rupert
Sun Jun 10, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Best HEPA air purifier for cat allergy sufferer?
Replies: 13
Views: 753

Re: Best HEPA air purifier for cat allergy sufferer?

Generally speaking any HEPA filter that has good overall performance will be effective, but only if you have already taken necessary steps unrelated to the filter's operation. Do you use a quality HVAC filter and change it as required? Do you vacuum regularly? Do you bath your cat(s) every 4-6 week...
by Rupert
Fri Jun 08, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Renter's Insurance for College Dorm
Replies: 32
Views: 2124

Re: Renter's Insurance for College Dorm

Yes, worth it if not covered by your HO policy. I worked for a brief period as a resident advisor in a college dorm. You wouldn't believe how many forbidden hot plates, candles, George Foreman grills, etc., I found during inspections. One kid even set his room on fire barbecuing -- on a gas grill :o...
by Rupert
Fri Jun 08, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house in Florida but you are hundreds of miles away
Replies: 33
Views: 2698

Re: Buying a house in Florida but you are hundreds of miles away

They should rent a place for 6 months to a year before buying to make sure they like the location. Living in Florida isn't for everyone.
by Rupert
Fri Jun 08, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: How much to spend on daycare?
Replies: 46
Views: 3441

Re: How much to spend on daycare?

What you want is a place that scrupulously complies with state regulations, is clean, and that has little turnover among caregivers. Some states don't regulate church daycares. Avoid those unless they voluntarily comply with state regulations, including inspections.
by Rupert
Fri Jun 08, 2018 6:57 am
Forum: Personal Consumer Issues
Topic: daughter wants a college transfer?
Replies: 65
Views: 5058

Re: daughter wants a college transfer?

I went to a large university with a lot of fraternities/sororities. That environment can be brutal when you're not part of it, and you can pretty much guarantee that her old friends won't make much time for her now since they are busy with greek life. If I had to do it over, I would have gone elsew...
by Rupert
Fri Jun 08, 2018 6:50 am
Forum: Personal Consumer Issues
Topic: good place to buy window curtains
Replies: 9
Views: 806

Re: good place to buy window curtains

IKEA has affordable curtains, and, so long as you avoid the very cheapest ones, they're a surprisingly good quality.
by Rupert
Fri Jun 08, 2018 6:43 am
Forum: Investing - Help with Personal Investments
Topic: Overfunding 529
Replies: 25
Views: 2382

Re: Overfunding 529

- multigeneration educational ‘trust’ can someone explain and point me the links? thanks. I not think trust was meant literally here. More that any money not spent on your kids can be held in your account until your grandchildren go to college. So, it might look something like this: 1. Fund $250K i...
by Rupert
Thu Jun 07, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Is there a forum for legal matters?
Replies: 18
Views: 1788

Re: Is there a forum for legal matters?

As a lawyer, I would never give advice in such a forum and I would be very suspicious of any lawyer who does. You open yourself up to malpractice risk and potentially prejudice a case because a public post is not privileged. If you are getting legal advice from a non-lawyer, it's probably a case of...