Search found 3412 matches

by Rupert
Thu Aug 02, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Which 403b provider to choose?
Replies: 19
Views: 1005

Re: Which 403b provider to choose?

They're all awful, but you might find this website helpful in sorting through them: https://403bwise.com/
by Rupert
Thu Aug 02, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Assistance with in-laws' retirement accounts
Replies: 14
Views: 1098

Re: Assistance with in-laws' retirement accounts

I don't see any mention of healthcare costs in your analysis. What are their plans for that once they return to the US, as it could easily eat up much of that $3K/month? Are they Medicare eligible?
by Rupert
Thu Aug 02, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Co - signed a Mortage, Now wants out
Replies: 57
Views: 6038

Re: Co - signed a Mortage, Now wants out

I think a higher interest rate is part of the price your sister must pay for the bankruptcy. You're going to find that refi is the only option here.
by Rupert
Thu Aug 02, 2018 8:10 am
Forum: Investing - Help with Personal Investments
Topic: Unexpected early retirement - requesting advice
Replies: 56
Views: 6614

Re: Unexpected early retirement - requesting advice

Financially the medical and pension are very valuable. Work with your doctor to see what can be done to help you. Do nothing in haste. Thank you - I needed to hear that, it's probably not what I was wishing to hear but something I needed to hear Even if you don't qualify for disability retirement, ...
by Rupert
Thu Aug 02, 2018 7:19 am
Forum: Investing - Theory, News & General
Topic: [403b fiduciary lawsuits: MIT Yale NYU Duke Hopkins Penn Vanderbilt Emory Columbia]
Replies: 88
Views: 8410

Re: NYU retirement lawsuit

It is an arguable violation of ERISA to offer too many, especially overlapping, funds. But I think the main takeaway from this and similar lawsuits is that employers, especially large ones, can negotiate retirement plan fees. You don't have to just accept the menu of options presented to you by a sa...
by Rupert
Thu Aug 02, 2018 6:47 am
Forum: Investing - Help with Personal Investments
Topic: 403b Rollover Question
Replies: 13
Views: 703

Re: 403b Rollover Question

I was thinking about setting up retirement accounts for both of us after our debt is paid off thru either vanguard or schwab. So should I just have my wife setup an account with vanguard or schwab and rollover her 403b to a 401k at one of these two places? That way I will have alot more choices. Yo...
by Rupert
Wed Aug 01, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 6759

Re: DW job in dangerous area

Check your gut feeling with some numbers before deciding. I live in the neighborhood with the "highest crime rate" in my city, which leads some folks from other neighborhoods to jump to conclusions. What that means in practice is an increased chance of losing an unlocked bicycle, and occasionally w...
by Rupert
Wed Aug 01, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 6759

Re: DW job in dangerous area

Define "pretty dangerous part of town." I find that people have vastly different ideas about what is or isn't a dangerous neighborhood.
by Rupert
Wed Aug 01, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 160
Views: 7897

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

I found that my insurance company (Cigna) plan covers medical evacuations, however they said it has to be an "emergency". I think this is catch, how is going to decide if it is an emergency enough? Does your policy cover international evacuations or only domestic ones? My insurance covers transport...
by Rupert
Wed Aug 01, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Storing Cord Blood For New Baby
Replies: 13
Views: 1560

Re: Storing Cord Blood For New Baby

As the prior poster noted, private cord blood banking is often pitched to nervous first-time, well-to-do parents. Private banking is rather pricey, and most people I know who actually did it stopped paying the annual storage fee after a number of years (hence rendering the whole process a complete w...
by Rupert
Wed Aug 01, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 160
Views: 7897

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

No, I have not done so. I have had medical emergencies where I ended up in a developed foreign country hospital, so I'm trusting of health care systems of the places that I go outside the US. Have you seen any headlines like "American Tourist Received No Medical Aid!" No headlines, but I do have a ...
by Rupert
Tue Jul 31, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: $8712/year for insurance (auto, home, rental) How to reduce?
Replies: 39
Views: 2650

Re: $8712/year for insurance (auto, home, rental) How to reduce?

What part of Texas are you in? If in an area impacted by hurricanes, e.g., Houston area, $1700/year for homeowners is quite typical.
by Rupert
Tue Jul 31, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Am I being ripped off by my dentist and/or insurance company?
Replies: 23
Views: 1887

Re: Am I being ripped off by my dentist and/or insurance company?

It has been my experience that dental insurance only ever pays 40-50% of the cost of a crown. Really? Okay. Well, it has been a long time since I have needed any dental work done so I must have forgotten how much to expect insurance to pay vs. out of pocket. I do recall teeth cleanings being paid i...
by Rupert
Tue Jul 31, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Am I being ripped off by my dentist and/or insurance company?
Replies: 23
Views: 1887

Re: Am I being ripped off by my dentist and/or insurance company?

It has been my experience that dental insurance only ever pays 40-50% of the cost of a crown.
by Rupert
Tue Jul 31, 2018 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Financial upside / downside of marriage vs cohabiting
Replies: 74
Views: 5807

Re: Financial upside / downside of marriage vs cohabiting

The child really does change everything. You'll find that navigating the world of children (dealing with schools, dealing with doctors, etc.) is just easier when you're a married couple.
by Rupert
Tue Jul 31, 2018 7:31 am
Forum: Personal Consumer Issues
Topic: rat/mice in crawl space - exclusion work price reasonable?
Replies: 12
Views: 956

Re: rat/mice in crawl space - exclusion work price reasonable?

The first thought that popped into my mind when reading your post was: Why would you pay a rodent exterminator to install a vapor barrier and new insulation? I'd pay the rodent guy to do the rodent thing and an insulation guy to do the other things. The second thought that popped into my mind when r...
by Rupert
Mon Jul 30, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: Flooring: Hard wood vs Ceramic Tile that looks like wood
Replies: 26
Views: 2560

Re: Flooring: Hard wood vs Ceramic Tile that looks like wood

I love the wood-look tile, but I have no idea if it will be considered an awful fad in 20 years. This As someone whose memory of decorating styles goes back about 3/4 of a century, I can assure you that there came a time when wood floors ( although never a “fad”; they were just the most available m...
by Rupert
Mon Jul 30, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: need an outback, new, used or lease?
Replies: 29
Views: 2150

Re: need an outback, new, used or lease?

My dealer recommends oil changes at 3000 mile intervals, not the 6000 in the manual. Please don't get suckered into dealerships shortened maintenance intervals. Virtually all dealerships, regardless of make/model, suggest MORE maintenance than is recommended by the manufacturer. It is an easy way t...
by Rupert
Mon Jul 30, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5322

Re: What Should I Do About A Dying Friend's Assets?

Three points: 1. Perhaps the friend's assets would provide a higher standard of care for his sister. 2. The OP's friend has stated that he wants the assets to go to the sister. As the OP stated in a subsequent post, these are his friend's assets and he has indicated his choice. So, I don't see wher...
by Rupert
Mon Jul 30, 2018 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Hurricane Impact Windows Full House
Replies: 10
Views: 503

Re: Hurricane Impact Windows Full House

I was under the impression that true impact resistant windows cannot be retrofitted into an existing home because they require substantial structural support in the framing of the house. Is that not true? Lots of companies sell what they call impact resistant windows, but without those structural su...
by Rupert
Sun Jul 29, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Air Conditioning? [How to finance?]
Replies: 76
Views: 4913

Re: Air Conditioning?

I recently got bids to replace the HVAC system for the small second floor (600-700 sq ft) of my home. The bids ranged from $3400 for an AC + heat strips to $11,000 for dual-stage heat pumps. So $7000 for an entire house does not sound at all out of line to me, but do get at least 3 quotes. Note that...
by Rupert
Sun Jul 29, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: ACT test - got 34, try for 36?
Replies: 61
Views: 5245

Re: ACT test - got 34, try for 36?

Some schools will take the higher score. Others will average all scores together. Your kid should look at what the schools he/she wants to attend do.
by Rupert
Sun Jul 29, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: LTC strategy: make health your hobby
Replies: 38
Views: 2991

Re: LTC strategy: make health your hobby

The likelihood of ending up in long term care is too unpredictable for this plan to work. Many of the things that can happen are independent of the lifestyle one adopts at 70. Some have nothing to do with healthy lifestyle at all. Others, many others, depend on the healthiness of lifestyle all alon...
by Rupert
Sat Jul 28, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Regret Public School?
Replies: 75
Views: 5470

Re: Regret Public School?

This debate always somewhat irritates me. Every private school is different. Every public school is different. Every child is different. Every family's ability to pay for private school and/or a highly rated public school neighborhood is different. It is absolutely impossible to compare public and ...
by Rupert
Sat Jul 28, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Vacation in France in Aug 2019
Replies: 7
Views: 424

Re: Vacation in France in Aug 2019

If you're starting from Basel, I recommend a driving tour through Alsace -- Strasbourg and Colmar in particular -- across the northern part of the country to Normandy. Then trek south from Normandy through the Loire Valley to the Dordogne. Then back to Paris to fly home. That would be a great trip.
by Rupert
Fri Jul 27, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 130
Views: 9351

Re: Tips for staying active / injury-free into older age

Not sure what kind of stretching you presently do, but I would add some sort of formal stretching and balance program to your routine, e.g., yoga, pilates, tai chi, etc. Remaining flexible is key. Most orthopedists would tell you that to avoid injury you should run less and walk more, but I know how...
by Rupert
Sat Jul 21, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Term Insurance Recommendations w/Pre-existing?
Replies: 4
Views: 409

Re: Term Insurance Recommendations w/Pre-existing?

It's not impossible to get term life with a Parkinson's diagnosis, but it's not easy. Your age and the stage of disease you're in at the time of application will be important. Term life is expensive for someone at retirement age (assuming you aren't an early retiree) even without a Parkinson's diagn...
by Rupert
Sat Jul 21, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Good places to visit within 4-5 hr drive from Atlanta
Replies: 38
Views: 2908

Re: Good places to visit within 4-5 hr drive from Atlanta

The best BBQ in Georgia is Fresh Air BBQ about an hour south of Atlanta, down I-75. Take the Griffin/Jackson exit off the interstate. Visit High Falls State Park and Indian Springs State Park while you're in the neighborhood.
by Rupert
Sat Jul 21, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: House foundation repair with Helical Piers - urgent request
Replies: 22
Views: 1547

Re: House foundation repair with Helical Piers - urgent request

It sounds like repairs were done, but why is house up for sale so quickly after they were done? What does your sons attorney say? He does not have an attorney, working with a buyer's agent, whatever that means. They had bought the house in 2016. I am guessing when they decided to sell (i think they...
by Rupert
Sat Jul 21, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Ashley furniture experience? 2000 dollars for 13x8x8 sectional
Replies: 40
Views: 3992

Re: Ashley furniture experience? 2000 dollars for 13x8x8 sectional

Ashley furniture is lower end, comparable to Rooms to Go, better than Walmart. I would buy tables or shelving units there, but I wouldn't purchase a piece of furniture that will take heavy abuse, such as a sofa, there. You can spend a little more and move up into the Pottery Barn, West Elm, etc., cl...
by Rupert
Fri Jul 20, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: Wine chiller
Replies: 11
Views: 894

Re: Wine chiller

The freezer? That's what I do.
by Rupert
Fri Jul 20, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: State Farm - safe driving discount ??
Replies: 21
Views: 923

Re: State Farm - safe driving discount ??

We’ve been pretty pleased with the discount and don’t have the “Big Brother” concerns of others . . . I suspect, for some who raise that concern, it’s fashionable to talk about privacy when the reality is they know their driving style is problematic and would be made apparent to the insurance compa...
by Rupert
Fri Jul 20, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off share of children's student loans with house or stay?
Replies: 17
Views: 794

Re: Paying off share of children's student loans with house or stay?

Yes Rupert you're correct it was in our divorce agreement. My ex has 60 days from closing of house to secure a private loan and pay me off for his share of the student loans or his share goes towards the student loans. So in your opinion best to sell and stop the interest versus staying? My neighbo...
by Rupert
Fri Jul 20, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Fence question
Replies: 18
Views: 1651

Re: Fence question

I got more info and we can put the fence on the property line. One complete side has a neighbor's fence setback one foot, and about 15 feet of the rear has a different neighbor's fence also with a one foot setback. No other fences currently. I am thinking of having it at the property line but the 1...
by Rupert
Fri Jul 20, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off share of children's student loans with house or stay?
Replies: 17
Views: 794

Re: Paying off share of children's student loans with house or stay?

Your situation is complicated. Do you mind if I ask if the house ownership issue (husband owning part) and the parental student loans came about as a consequence of a divorce settlement? If so, it makes a lot more sense. I think the advice to sell the house to pay down the student loans (which also ...
by Rupert
Fri Jul 20, 2018 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 157
Views: 13338

Re: Should I Dump a Pile of Money on Young Son?

I don't know OP's son. And I stated very plainly in my post above (not immediately above, read higher) that I was speaking generally from my own life experience. I believe giving lots of money to young people, in general, is a bad idea. Most estate planning lawyers agree with me. There are other way...
by Rupert
Fri Jul 20, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: State Farm - safe driving discount ??
Replies: 21
Views: 923

Re: State Farm - safe driving discount ??

If you really are a good driver, it can save you money. It monitors all sorts of stuff though, e.g., if you speed, how hard you brake. Personally, the Big Brother aspect of it gives me the willies, and I wouldn't do it for that reason alone.
by Rupert
Fri Jul 20, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: 401(k) rollover question
Replies: 11
Views: 485

Re: 401(k) rollover question

You say the existing traditional IRA was funded with after-tax money. I’m curious why you would do that. You got no tax break for the contributions and growth will be taxed as ordinary income when withdrawn. I opened a tIRA last week just so I could start the rollover process and funded it with $50...
by Rupert
Fri Jul 20, 2018 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 157
Views: 13338

Re: Should I Dump a Pile of Money on Young Son?

letsgobobby wrote:
Fri Jul 20, 2018 11:06 am

Does money always change everybody?
No, but compare the secretary who accumulates millions over time to the typical lottery winner.
by Rupert
Fri Jul 20, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Good places to visit within 4-5 hr drive from Atlanta
Replies: 38
Views: 2908

Re: Good places to visit within 4-5 hr drive from Atlanta

I would add Chattanooga, Birmingham, and Huntsville to the list. Chattanooga has a lot to offer for outdoors enthusiasts. But your kids are old enough to appreciate the Civil Rights museums and monuments in Montgomery and Birmingham. That's important but pretty heavy stuff. I'd combine that trip wit...
by Rupert
Fri Jul 20, 2018 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 157
Views: 13338

Re: Should I Dump a Pile of Money on Young Son?

I would absolutely feel comfortable giving the son you described this money. He has already shown that he is a responsible adult. I would offer to discuss how he should handle the money, but I would ultimately leave choices up to him. +1 Or you could gift him yearly the the max limit before it gets...
by Rupert
Fri Jul 20, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Fake IRS calls - anybody care?
Replies: 62
Views: 3492

Re: Fake IRS calls - anybody care?

Doom&Gloom wrote:
Fri Jul 20, 2018 10:19 am
I miss the calls from Rachel from Card Services. It must have been something I didn't say. She called so often that I think she was sweet on me.
Rachel calls herself something else now, Courtney or Brittany or something like that. She was Leslie for a while.
by Rupert
Fri Jul 20, 2018 10:17 am
Forum: Investing - Help with Personal Investments
Topic: 401(k) rollover question
Replies: 11
Views: 485

Re: 401(k) rollover question

You can do it -- mix the two. But you have to keep up with the basis going forward. This may or may not be a hassle for you. Personally, I like to keep things simple. It's not a big deal just to open another IRA at Vanguard to hold the pre-tax funds. (Edited to add this link that may help you: https...
by Rupert
Fri Jul 20, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9735

Re: Why own a bed?

Is there a thread that helps me decide whether it is worth spending a dollar on a kitchen sponge when there are cheaper ones available on Amazon? :beer Did you not see the really long thread on kitchen sponges last year? Never use a kitchen sponge! The things are chock full of deadly bacteria. :beer
by Rupert
Fri Jul 20, 2018 10:04 am
Forum: Investing - Help with Personal Investments
Topic: 401(k) rollover question
Replies: 11
Views: 485

Re: 401(k) rollover question

The benefits guy at work is right. Open a new, rollover IRA for those funds. You could also just leave the money where it is or roll it into your new employer's plan. If you think you might ever need to do a backdoor Roth IRA, it's better not to have any tIRAs at all.
by Rupert
Fri Jul 20, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Fake IRS calls - anybody care?
Replies: 62
Views: 3492

Re: Fake IRS calls - anybody care?

midareff wrote:
Fri Jul 20, 2018 9:54 am
LOL, they said the police would be coming out to arrest me as I broke out laughing.
That is funny. Just fyi, everybody: The police do not call you to tell you they are coming to arrest you.
by Rupert
Fri Jul 20, 2018 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 157
Views: 13338

Re: Should I Dump a Pile of Money on Young Son?

No you should not dump a pile of money on your young son. He's doing great, and you might ruin him with it. The wrong sorts of people may become attracted to him (they seem to be able to smell money on a person). See an estate planning lawyer for help in preserving and protecting that money for you...
by Rupert
Fri Jul 20, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 157
Views: 13338

Re: Should I Dump a Pile of Money on Young Son?

Don’t give him the whole amount. How about 20k every 5 or so years to make things easier. Off to give him a downpayment tp a house when he becomes seriously interested. Keep the bulk for yourself in case of medical emergency. +1. This is what I would do -- gift it to him annually over time, help wi...
by Rupert
Fri Jul 20, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 157
Views: 13338

Re: Should I Dump a Pile of Money on Young Son?

No you should not dump a pile of money on your young son. He's doing great, and you might ruin him with it. The wrong sorts of people may become attracted to him (they seem to be able to smell money on a person). See an estate planning lawyer for help in preserving and protecting that money for your...
by Rupert
Fri Jul 20, 2018 7:03 am
Forum: Personal Consumer Issues
Topic: Need Help Evaluating HVAC Needs and Quotes
Replies: 21
Views: 1945

Re: Need Help Evaluating HVAC Needs and Quotes

Thank you all for your help.