Search found 3788 matches

by Rupert
Sun Nov 11, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Do I Need A Credit Score?
Replies: 24
Views: 1098

Re: Do I Need A Credit Score?

Yes, you should get a credit card and start building credit. Lots of things could happen that would prevent you from relying on your spouse's credit going forward. If you're disciplined enough to pay the balance in full every month (and you probably are if you're posting here) and not buy things you...
by Rupert
Sat Nov 10, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 3681

Re: International Travel during Maternity/Paternity

No offense, but you're considering taking a newborn to locations where even healthy adults are advised to get special vaccines before visiting. Why would you even consider that?
by Rupert
Sat Nov 10, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 3681

Re: International Travel during Maternity/Paternity

I don't recommend traveling nomadically with a child that age. Your number one priority at that time will be developing a routine, particularly a sleep routine -- both for you and the kid. Your kid might be a "trick baby," i.e., one that sleeps through the night at 6 weeks and is basically chill. Or...
by Rupert
Fri Nov 09, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Appealing Insurance Dental Claim Decision
Replies: 10
Views: 865

Re: Appealing Insurance Dental Claim Decision

krafty81 wrote:
Fri Nov 09, 2018 4:06 pm
Why go out of network at all? Travel?
In my city, the only dentists who are in network with any dental plan work for the sorts of clinics you might find in areas where Medicaid is the predominant insurance policy. I don't think my city is unusual in that regard.
by Rupert
Fri Nov 09, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - Multiple Scenarios
Replies: 7
Views: 650

Re: Health Insurance - Multiple Scenarios

Yeah, I was curious whether that $1850 figure was for the HSA plan or the PPO plan because that price jump does seem weird for a group plan.
by Rupert
Fri Nov 09, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6186

Re: Point and shoot camera

Exactly! But then you are changing the parameters of the discussion by introducing used equipment in the picture. I am not sure why people are bringing mirror-less or APS-C cameras or bridge cameras in to this discussion. I don't think those are termed as P&S cameras by lay person. My definition (w...
by Rupert
Fri Nov 09, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Help. They are removing index funds.
Replies: 56
Views: 4126

Re: 401k Removed Index Funds

I actually wouldn't be afraid to bring up the lawsuits. That's exactly how I convinced the Board of Directors of my firm to completely overhaul our retirement plan. But how the lawsuits are brought up is key. She has to mention the lawsuits without being perceived as threatening a lawsuit. I find th...
by Rupert
Fri Nov 09, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6186

Re: Point and shoot camera

did you peruse all the sub sections? https://thewirecutter.com/reviews/best-point-and-shoot-under-500/ if you dont want to spend more than $500, then there really is no difference between your phone and a dedicated camera... The phone can take very nice photos, but I am used to the feel of a camera...
by Rupert
Fri Nov 09, 2018 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance through Work
Replies: 4
Views: 389

Re: Term Life Insurance through Work

Buy term life outside of work. Otherwise you'll lose your insurance if you lose your job, and you may have developed health conditions that make you un-insurable in the private market when that happens. Check out term4sale.com. Also buy term insurance on your wife. The work she does at home is valua...
by Rupert
Fri Nov 09, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6186

Re: Point and shoot camera

I was recently researching this question myself and found this website to be very helpful: https://independenttravelcats.com/best-compact-camera-travel-point-and-shoot-cameras/ I think in point and shoots today the two big factors for most amateur photographers, technologically speaking, are going t...
by Rupert
Thu Nov 08, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Best LSAT course?
Replies: 20
Views: 1014

Re: Best LSAT course?

to those of you who have taken the test, how many hours of studying elapsed before "you just got it", kinda like having things slow-down bullet-time style, metaphorically speaking. I remember when I was preparing for the old (1600-scale) SAT's, somewhere after memorizing a good bit of vocab and doi...
by Rupert
Thu Nov 08, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: HIPAA Information available to out of town ER or not?
Replies: 19
Views: 909

Re: HIPPA Information available to out of town ER or not?

Some providers read more into HIPAA than is actually there. It is partly a CYA thing and partly a genuine effort to comply with the law thing. I often have to request medical records of my clients. Some facilities/providers will accept a one-sentence waiver signed by the client (e.g., "I waive my ri...
by Rupert
Thu Nov 08, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Best LSAT course?
Replies: 20
Views: 1014

Re: Best LSAT course?

I did the self-study method. I bought a couple of the self-study guides and as many past tests as they would sell me. The past tests were the key, as the questions repeat over and over again over the years. The content of the questions changes, but the structure and type of questions repeats. Once y...
by Rupert
Wed Nov 07, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: cost to rebuild hvac return in crawl space
Replies: 8
Views: 930

Re: cost to rebuild hvac return in crawl space

Ductwork is expensive. I paid almost that much a few years ago just to have the trunk lines replaced in my crawlspace. They re-used the existing branch lines. They also sealed everything up nicely. Every HVAC contractor I've talked to since (and I've seen a half-dozen or so different ones because I ...
by Rupert
Wed Nov 07, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Christmas gift suggestions for 2.5 year old?
Replies: 20
Views: 962

Re: Christmas gift suggestions for 2.5 year old?

I surrendered in the battle with my mother over this issue long ago. Some people just like to give gifts. My mother, in particular, likes to watch the kids open the gifts. If your kid's grandparents are like that, you're never going to talk them out of gifting without hurting their feelings and dama...
by Rupert
Wed Nov 07, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Need help! 3 HVAC intstallation quotes
Replies: 24
Views: 1756

Re: Need help! 3 HVAC intstallation quotes

Thanks, is Lennox superior to Trane? OR vice versa? I've never heard of Goodman. Do we get tax credits for getting a new HVAC system? Goodman is a good brand. Comparable to Lennox and Trane, IMHO. All 3 brands are good, and I wouldn't rank one over the others. There are some federal tax credits, bu...
by Rupert
Wed Nov 07, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Need help! 3 HVAC intstallation quotes
Replies: 24
Views: 1756

Re: Need help! 3 HVAC intstallation quotes

Since you're selling the house in the spring, I'd get the cheapest one. Those are all brand-name units. But how old is the old unit, and what exactly did the servicemen say was wrong with it? I don't trust the opinions of any HVAC person associated with one of the big HVAC unit companies anymore. Th...
by Rupert
Wed Nov 07, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: cancer / retirement / medical insurance /social security
Replies: 6
Views: 637

Re: cancer / retirement / medical insurance /social security

It's not true that you can't collect disability benefits if you're over age 65. You can collect disability benefits up to full retirement age. And you should choose disability over retirement benefits if under full retirement age because the monthly disability benefit will be higher than the monthly...
by Rupert
Tue Nov 06, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Appealing Insurance Dental Claim Decision
Replies: 10
Views: 865

Re: Appealing Insurance Dental Claim Decision

All out-of-network coverage that I'm familiar with (both health and dental) pays only an amount that the insurance company deems reasonable, which is why balance billing is a thing. Was the "benefits packet" or "benefits manual" that she read written by the insurance company or the employer? If the ...
by Rupert
Tue Nov 06, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking lot loan to build house
Replies: 19
Views: 1359

Re: Seeking lot loan to build house

Sell the current house. With cash in hand, buy the lot. (I know you're in a HCOL and that's very foreign to me, but that sure is a lot of house for a $120k salary. I agree with others that you need more income before the dream house makes any kind of sense.)
by Rupert
Tue Nov 06, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Tips on alleviating caffeine withdrawal symptoms?
Replies: 18
Views: 1249

Re: Tips on alleviating caffeine withdrawal symptoms?

I know of no way to drink caffeine without some risk of becoming addicted to caffeine, if that's what you're asking. On days you don't want to drink coffee, you'll have to get your caffeine fix a different way, e.g., tea, soda, pills (although I strongly discourage use of those), to avoid those head...
by Rupert
Tue Nov 06, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Ok to remove collision coverage?
Replies: 13
Views: 1049

Re: Ok to remove collision coverage?

There are many prior threads on the topic of when/whether to drop collision which you may find helpful. Two considerations I don't see mentioned in your post or the other posts are: (1) Rental car coverage. Having your own collision coverage allows you to forego collision coverage at the rental car ...
by Rupert
Mon Nov 05, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Using drug discount coupons affecting deductible?
Replies: 26
Views: 1623

Re: Using drug discount coupons affecting deductible?

My drug manufacturer gets around the primary/secondary issue by issuing Mastercard debit cards to participants in its co-pay assistance plan. So the card is not run as insurance at all. It is run as a credit card (pin-less debit) by the pharmacy. It is, essentially, a gift to patients to assist them...
by Rupert
Sun Nov 04, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4160

Re: Mice

A cat.
by Rupert
Sun Nov 04, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Softest Fabric or Brand for a Lady's Nightgown?
Replies: 10
Views: 1019

Re: Softest Fabric or Brand for a Lady's Nightgown?

Garnet Hill is rather famous for its flannel and pima cotton sleepwear. garnethill.com
by Rupert
Fri Nov 02, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: HealthCare 2019 - No ACA Subsidy
Replies: 55
Views: 4044

Re: HealthCare 2019 - No ACA Subsidy

I don't understand. Why do you think the plan wouldn't cover a rotator cuff surgery? (after the deductible) The insurer only knocked it down to a few thousand b/c that was the negotiated rate. It's a pre-existing condition because he's had rotator cuff surgery in the past. Another problem with thes...
by Rupert
Fri Nov 02, 2018 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Does a 529 plan make sense for single 37-year-old with no children?
Replies: 6
Views: 685

Re: Does a 529 plan make sense for single 37-year-old with no children?

Scenario 1 - I have kids 1. How would I go about letting my future children use these funds? Are there tax implications? 2. Are there advantages/disadvantages to not waiting to list my (future) children as the beneficiaries (e.g., for scholarship/grant purposes)? Scenario 2 - I don't kids 3. Could ...
by Rupert
Fri Nov 02, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: The most you ever paid for a prescription
Replies: 80
Views: 3636

Re: The most you ever paid for a prescription

Edited to add that the drug manufacturer in this instance spent the 2nd most of all pharmaceutical companies for lobbying in 2017. Big Pharma is by far the largest lobbying group in the U.S. Also the big pharmacy benefits “negotiators” have interests aligned with the pharmaceutical industry and hea...
by Rupert
Fri Nov 02, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: 45% increase in marketplace insurance
Replies: 73
Views: 4441

Re: 45% increase in marketplace insurance

I am also not quite sure how the age words on the small group. Do they use the average age of employees or does each employee get a different rate? I was thinking more of the old school employer offered health insurance were we all paid the same no matter what. In small group plans, the insurer det...
by Rupert
Fri Nov 02, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Florida transportation between coasts
Replies: 17
Views: 1217

Re: Florida transportation between coasts

Check out ourbus.com
by Rupert
Fri Nov 02, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: HDHP vs. PPO new family
Replies: 7
Views: 377

Re: HDHP vs. PPO new family

You'd need to tell us more about the two options -- monthly premiums, deductibles, out of pocket maximums, provider networks, drug coverage, etc. -- for us to help you in any meaningful way. I think prior threads on this topic here at Bogleheads have illustrated that most people do better under the ...
by Rupert
Fri Nov 02, 2018 9:44 am
Forum: Personal Finance (Not Investing)
Topic: 45% increase in marketplace insurance
Replies: 73
Views: 4441

Re: 45% increase in marketplace insurance

FWIW for a family of 3 i paid 1200/month for cobra 10 years ago. Paying 2k month isnt a shockingly high number. It is just an expense people are not used to seeing. Yep. People like to blame the ACA, but the real problem is the cost of healthcare. Insurance was expensive before the ACA existed beca...
by Rupert
Thu Nov 01, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: 45% increase in marketplace insurance
Replies: 73
Views: 4441

Re: 45% increase in marketplace insurance

OP, are you a member of any associations that offer group coverage to members? I, for example, just got an email today from my local bar association announcing that they are trying to put together a group plan through BCBS that would be available to any member of the local bar. This sort of associat...
by Rupert
Wed Oct 31, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: How would you proceed?--car accident
Replies: 22
Views: 1817

Re: How would you proceed?--car accident

be prepared for his insurance to say that their client says it was your fault. The insurance companies goal is to pay as few claims as possible and will try to do the no fault thing... +1. Don't assume the insurance companies won't assign some percentage of blame to you. Just in case that happens, ...
by Rupert
Wed Oct 31, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: The most you ever paid for a prescription
Replies: 80
Views: 3636

Re: The most you ever paid for a prescription

Isn't OP asking whether he/she should sign up for an insurance plan with a $2500 or $1000 cap on prescription coverage? So wouldn't the cost of your Rx, as opposed to what you pay out of pocket, be more relevant to him/her? Just wondering why people keep reporting only their co-pays.
by Rupert
Wed Oct 31, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: The most you ever paid for a prescription
Replies: 80
Views: 3636

Re: The most you ever paid for a prescription

My arthritis drug costs over $5000/month. There is no generic, and there are no comparable alternative drugs that are cheaper. Choosing not to take it is also not an option as I would become disabled rather quickly. Edited to note: This is not what I pay. This is the price negotiated by the insuranc...
by Rupert
Wed Oct 31, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: Planning first international trip - London/Paris
Replies: 74
Views: 4159

Re: Planning first international trip - London/Paris

I recommend staying longer as well. Also consider flying in to London and out of Paris. These days two one-way tickets cost about the same as a round trip. +1. With so little time, I think this is the only way to do it that makes sense. Fly into London, spend four days there, take the Channel train...
by Rupert
Tue Oct 30, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Supporting dying father and preparing to support his wife?
Replies: 22
Views: 2467

Re: Supporting dying father and preparing to support his wife?

First priority should be getting some help in the home as soon as possible. If your father falls and takes his wife down with him, then you'll have two people in need of care. It happens a lot.
by Rupert
Mon Oct 29, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Should I co-sign for relative?
Replies: 103
Views: 4988

Re: Should I co-sign for relative?

If they need a co-signer, they can't afford the car.
by Rupert
Mon Oct 29, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: When to get a new toilet?
Replies: 52
Views: 3909

Re: When to get a new toilet?

anyone install one of them new WIFI toilets yet? Please tell me that's not actually a thing. It is a thing, unfortunately. I can't figure out the purpose of it. Perhaps it tells your wifi-connected refrigerator to add toilet paper to the grocery list? (Just fyi: Toilets with remote controls is also...
by Rupert
Mon Oct 29, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Painting fireplace; what to do with hearth?
Replies: 18
Views: 1200

Re: Painting fireplace; what to do with hearth?

I agree with others that the monochromatic room (fireplace, carpet, and walls basically matching) is a large part of the problem and that painting the walls may make you hate the brick less. If you still don't like the brick after painting the walls, I would paint the brick to see if it helps. I hav...
by Rupert
Sun Oct 28, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Honda Odyssey which trim level
Replies: 9
Views: 1034

Re: Honda Odyssey which trim level

Leather seats are nice with kids. The vacuum cleaner is definitely not worth paying extra for (it's not a very good vacuum). I have the EX-L, which is just the EX with leather, and have been very happy with it since 2014. No problems at all with the transmission (knock wood).
by Rupert
Sun Oct 28, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: When to get a new toilet?
Replies: 52
Views: 3909

Re: When to get a new toilet?

Since you are an out of town landlord and am assuming you don’t want to do the work yourself, I’d get a new toilet rather than pay the plumber labor to replace the moving parts. +1. Yes, toilet parts are cheap, but OP is paying a plumber to replace those parts every year, which isn't cheap. So the ...
by Rupert
Fri Oct 26, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Buying an investment condo in Panama City Beach
Replies: 16
Views: 2540

Re: Buying an investment condo in Panama City Beach

How much will the insurance be? +1. That's the unknown here, and it makes it impossible to estimate your ROI. Sometimes after major hurricanes insurers completely pull out of a region and prices of HO policies issued by remaining insurers spike drastically for years. On a 200K property, it's entire...
by Rupert
Fri Oct 26, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: How Much, How Long, and For Who Do I Need Term Life Insurance?
Replies: 11
Views: 671

Re: How Much, How Long, and For Who Do I Need Term Life Insurance?

you need enough to replace your income and provide for your family, pay off the house, pay for college, new cars, etc. its whatever you want it to be. consider covering your spouse for child care duties. ie if she dies, who is taking care of the kid? i see no reason to start at <1MM. dont forget, i...
by Rupert
Fri Oct 26, 2018 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA?
Replies: 9
Views: 678

Re: Backdoor Roth IRA?

Thank you all very much for the help. One more question: I've read that I may need to wait some number of days between investing in the traditional IRA and converting/transferring to the Roth? Is that right? Yes, you do have to wait for the transaction to settle, i.e., for the shares you purchased ...
by Rupert
Thu Oct 25, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: "Donating" unused family burial "spots"
Replies: 21
Views: 1759

Re: "Donating" unused family burial "spots"

Can you give the plot to a church/religious institution for redistribution to a needy congregant?
by Rupert
Thu Oct 25, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: When is moonlighting not moonlighting?
Replies: 22
Views: 1809

Re: When is moonlighting not moonlighting?

Perhaps you should post the language from the anti-moonlighting provision in your employment contract.
by Rupert
Thu Oct 25, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Indoor Play toys for toddler
Replies: 31
Views: 1825

Re: Indoor Play toys for toddler

A play kitchen was one of the best inside-the-house toy investments we made when our kids were that age. We had the IKEA one with lots of accessories. It's very popular so can be found used on Craigslist in most places. That Step 2 climber/slide was also a good one if you have room for it inside. We...