Search found 3598 matches

by Rupert
Tue Aug 28, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: How to Pass on Money Against My Sister's Wishes (Ethics and Finance)
Replies: 74
Views: 7563

Re: How to Pass on Money Against My Sister's Wishes (Ethics and Finance)

So the money is either yours or your sister's. You haven't given us enough information to settle the question of ownership. If it's yours, you can legally do what you want with it regardless of what your sister wants. If it's your sister's and she dies intestate, i.e., without a will, then the law o...
by Rupert
Tue Aug 28, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: Installing a new toilet - shut off valve and wax ring
Replies: 33
Views: 2273

Re: Installing a new toilet - shut off valve and wax ring

imyeti2 wrote:
Tue Aug 28, 2018 10:21 am

p.s. Any place we can donate the old toilets?
The Habitat for Humanity Re-Store in my town will take them minus the seats.
by Rupert
Mon Aug 27, 2018 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Man...opening a savings account with Ally is an arduous process.
Replies: 32
Views: 3129

Re: Man...opening a savings account with Ally is an arduous process.

Austintatious wrote:
Mon Aug 27, 2018 4:29 pm

Problem is, to get it done, one has to unfreeze credit accounts at all 3 bureaus which is not without costs.
Beginning September 21, it will be free to freeze and unfreeze your credit across the country. See https://www.consumer.ftc.gov/blog/2018/ ... ing-soon-0
by Rupert
Mon Aug 27, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: How often do you change your HVAC filters?
Replies: 57
Views: 3193

Re: How often do you change your HVAC filters?

To keep our warranty in place (newer furnace/ac) the HVAC company requires (or maybe Lennox does?) an annual check. I am OK with this as they clean and check both the furnace and AC. I would say every 2 years is OK if things are working fine and there are no warranty requirements. This practice is ...
by Rupert
Mon Aug 27, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: How often do you change your HVAC filters?
Replies: 57
Views: 3193

Re: How often do you change your HVAC filters?

Once a month from June to September (AC runs almost non-stop during this period). Maybe change it once or twice between October and May. In other words, change it when it's dirty.
by Rupert
Mon Aug 27, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Man...opening a savings account with Ally is an arduous process.
Replies: 32
Views: 3129

Re: Man...opening a savings account with Ally is an arduous process.

njfastlife wrote:
Mon Aug 27, 2018 12:58 pm

tell me more. what would the reasons be to NOT use this type of vehicle?

edit:

it seems to be earning well less than 2%...
No FDIC insurance. Although relatively safe, money market funds can "break the buck" and thus aren't as safe as savings accounts.
by Rupert
Mon Aug 27, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Streaming TV services
Replies: 36
Views: 2620

Re: Streaming TV services

Define "traditional channels." If you're just looking to watch local channels and PBS, you can do that with an OTA antenna. If you're looking to reproduce a basic cable channel lineup with a premium channel or two, you'll have to cobble together several different streaming services.
by Rupert
Mon Aug 27, 2018 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Investment help for the chronically indecisive
Replies: 5
Views: 547

Re: Investment help for the chronically indecisive

Don't buy a house. You don't actually want one, and I bet you'll hate the maintenance. Now that that is settled, what's the $30,000 for? Do you have an existing emergency fund? If not, there's your answer -- that's what the money is for. You can continue holding the $30,000 in an on-line savings acc...
by Rupert
Mon Aug 27, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Help with basement issues
Replies: 16
Views: 1544

Re: Help with basement issues

OK. Is a company like ServePro who I would want to come in and take a look? Or do I look for a general contractor? Is this something that can be put against my home owners insurance? We don't have flood insurance (nor was there a flood), but just tons and tons of rain--probably 8 inches or so withi...
by Rupert
Sat Aug 25, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Any advice if I should buy this Used Minivan?
Replies: 21
Views: 1483

Re: Any advice if I should buy this Used Minivan?

The title is still clean and that's the big part. If it was now a salvage title, I'd say run. I imagine at tree or a large branch fell on the vehicle as it was traveling, due to the top and window damage. Pretty tough to clothes line a branch on an, I assume, 45 mph road. Any branches possibly that...
by Rupert
Sat Aug 25, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Do I have to keep track of contributions?
Replies: 29
Views: 2139

Re: Do I have to keep track of contributions?

I think they solidified the rules if you wait a certain amount of time after contributing to the Traditional before converting to Roth. But it’s unclear what that period is 1 month, 1 year, or longer. And you can’t explicitly tell your tax preparer that you are doing a backdoor What is your source ...
by Rupert
Fri Aug 24, 2018 6:53 am
Forum: Personal Consumer Issues
Topic: find Hvac contractor
Replies: 14
Views: 1168

Re: find Hvac contractor

I have no suggestions re how to find a contractor in San Jose, but I went through this recently on the other side of the country. You may find this thread helpful in understanding the HVAC contractor market today: https://www.bogleheads.org/forum/viewtopic.php?t=254158 Just fyi: $10,000 for installa...
by Rupert
Thu Aug 23, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Short Term Health Insurance regulation changes - good for age 62 retirement?
Replies: 82
Views: 4469

Re: Short Term Health Insurance regulation changes - good for age 62 retirement?

Am I missing something? Why wouldn't it cover a heart attack? No, I asked about heart surgery after a heart attack occurring near the end of the coverage period. But that's just an example. It could just as easily be chemotherapy that you need following a cancer diagnosis that occurred during the c...
by Rupert
Thu Aug 23, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Short Term Health Insurance regulation changes - good for age 62 retirement?
Replies: 82
Views: 4469

Re: Short Term Health Insurance regulation changes - good for age 62 retirement?

The policy I am looking at has a $2M cap and a 2500 deductible per spouse. I am only concerned about not being bankrupted by a major illness or injury, not looking for first dollar coverage so this is a good fit. Cost is about $300 a month. By comparison, a "Bronze" plan with a $6000 deductible (ea...
by Rupert
Thu Aug 23, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Short Term Health Insurance regulation changes - good for age 62 retirement?
Replies: 82
Views: 4469

Re: Short Term Health Insurance regulation changes - good for age 62 retirement?

The policy I looked at is with a major benefits company in this part of the state (Priority Health), so I sure that they have networks and discounts. The policy basically covers NOTHING until you spend $2500 out-of-pocket. This is true, classic insurance (like fire insurance) where I hope to never ...
by Rupert
Thu Aug 23, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: What kind of medical events that may ruin your retirement?
Replies: 73
Views: 5522

Re: What kind of medical events that may ruin your retirement?

There's a story in the health section of the NY Times today about a woman who developed myocarditis and then heart failure following a cold -- yes, the common cold, an enterovirus. Sounds like she now needs a heart transplant. That can definitely ruin a retirement.
by Rupert
Thu Aug 23, 2018 8:09 am
Forum: Forum Issues and Administration
Topic: Rating system for posts/posters ?
Replies: 60
Views: 2682

Re: Rating system for posts/posters ?

There's a wonderful episode of the Netflix show "Black Mirror" (season 2, I think) that shows what can happen when you live in a society that grades, i.e., assigns points to or "likes" and "dislikes," every daily interaction. I suggest you watch it. We're already living in that society to an extent,...
by Rupert
Thu Aug 23, 2018 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Auto insurance - Collision premium
Replies: 12
Views: 739

Re: Auto insurance - Collision premium

Your driving record, your credit history, your gender, your age, your precise location (where the car is garaged), your marital status, etc., all factor into your collision premium. (Edited to add: Both your collision premium (too high) and your friend's collision premium (too low) seem wrong to me....
by Rupert
Wed Aug 22, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: "By not having a will, Aretha Franklin likely left her heirs with lots of headaches"
Replies: 31
Views: 2558

Re: "By not having a will, Aretha Franklin likely left her heirs with lots of headaches"

Perhaps she went to a lawyer and said "I want my money divided evenly between my kids" and the lawyer said "Well, state law would do exactly that, so a will is redundant and un-necessary". That's not lazy. That's informed decision making. I happen to be in that same boat. I know what state law says...
by Rupert
Wed Aug 22, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: Short Term Health Insurance regulation changes - good for age 62 retirement?
Replies: 82
Views: 4469

Re: Short Term Health Insurance regulation changes - good for age 62 retirement?

BTW - HC insurance post FIRE is a frequent topic of conversation on MrMoneyMustache.com. You might want to look at their site, as well. These peeps are usually on ACA, but concerned about its demise. Solutions include moving to a state that offers guaranteed issue or moving to a country with afford...
by Rupert
Wed Aug 22, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance - does this seem reasonable? (Added another ? about company)
Replies: 19
Views: 919

Re: Life Insurance - does this seem reasonable? (Added another ? about company)

It's impossible to say whether those rates are reasonable without knowing anything about either of your health histories and what company those quotes are from. I'm an insurance agent and I tell everyone the same thing too - "quotes are meaningless without an offer of coverage from the insurance co...
by Rupert
Wed Aug 22, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance - does this seem reasonable? (Added another ? about company)
Replies: 19
Views: 919

Re: Life Insurance - does this seem reasonable? (Added another ? about company)

It's impossible to say whether those rates are reasonable without knowing anything about either of your health histories and what company those quotes are from. I'm an insurance agent and I tell everyone the same thing too - "quotes are meaningless without an offer of coverage from the insurance co...
by Rupert
Wed Aug 22, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance - does this seem reasonable? (Added another ? about company)
Replies: 19
Views: 919

Re: Life Insurance - does this seem reasonable? (Added another ? about company)

Insurance companies that sell car/HO insurance are usually not the best price-wise on life insurance. Check prices using a website such as term4sale or using an independent broker. I think you can do better. Edited to add: Service is not as great a concern with life insurance products as it is with ...
by Rupert
Wed Aug 22, 2018 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance - does this seem reasonable? (Added another ? about company)
Replies: 19
Views: 919

Re: Life Insurance - does this seem reasonable?

I can give you one data point for comparison. I bought a 500K 20-year level term policy when I was 42, and it costs approximately $60/month. I have a chronic health condition, so that rate is the standard rate (not preferred or super preferred).
by Rupert
Wed Aug 22, 2018 6:58 am
Forum: Personal Consumer Issues
Topic: Landlord Nightmare
Replies: 90
Views: 9618

Re: Landlord Nightmare

dm200 wrote:
Tue Aug 21, 2018 5:45 pm
denovo wrote:
Tue Aug 21, 2018 5:44 pm
I wish people responding to landlord question threads would disclose whether or not they are landlords/lawyers.
yes
Lawyers usually don't want to be perceived as giving legal advice so they usually won't identify themselves as being lawyers.
by Rupert
Wed Aug 22, 2018 6:57 am
Forum: Personal Consumer Issues
Topic: Landlord Nightmare
Replies: 90
Views: 9618

Re: Landlord Nightmare

You cannot change the application process. If you normally do not do a "tenant screen/application" you can't just do one on a person randomly. Treat everyone the same. You can't have a separate policies/qualifications for different groups of people. That is discrimination. If I ask for w-2 for peop...
by Rupert
Tue Aug 21, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Landlord Nightmare
Replies: 90
Views: 9618

Re: Landlord Nightmare

ddurrett896 wrote:
Tue Aug 21, 2018 4:17 pm
delamer wrote:
Tue Aug 21, 2018 3:51 pm
If he isn’t part of a protected group, then you can’t be discriminating.
What is a protected group?
A group of people protected from discrimination or harassment by the Constitution or some other law, policy, or regulation. See generally https://en.wikipedia.org/wiki/Protected_group .
by Rupert
Tue Aug 21, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Landlord Nightmare
Replies: 90
Views: 9618

Re: Landlord Nightmare

If he isn’t part of a protected group, then you can’t be discriminating. If he is, but you didn’t know it then I don’t know if that is a defense. Regardless of the present situation, would a policy of only renting to university students have the effect, unintended or otherwise, of age discriminatio...
by Rupert
Tue Aug 21, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Landlord Nightmare
Replies: 90
Views: 9618

Re: Landlord Nightmare

But really, if it were me, I'd respond politely and with enough detail that readers will understand the potential tenant did not appear to be dependable. Deny their specific claims of discrimination, harassment, etc. without argument and just leave it at that. Starting a facebook feud won't look go...
by Rupert
Tue Aug 21, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Giving away donation receipts
Replies: 22
Views: 1611

Re: Giving away donation receipts

Although you stressed "morally wrong", let's not forget it's also "legally wrong". Gill Although I'm not a lawyer, I was accepted to law school (and decided not to go) and have watched every episode of "the Paper Chase". So my question: In the case mentioned where one family gives a bag of donation...
by Rupert
Tue Aug 21, 2018 7:53 am
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 60
Views: 6089

Re: Vanguard Switch to Brokerage Accounts

Just fyi: Vanguard has updated its website so that you can convert a traditional IRA brokerage account to a mutual fund Roth IRA account on-line without calling a Vanguard rep for help, i.e., you can execute a backdoor Roth between the brokerage and non-brokerage platforms using just the website.
by Rupert
Mon Aug 20, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest Home Insurance ?
Replies: 34
Views: 3016

Re: Cheapest Home Insurance ?

When people use the term "claims handling," they don't really know what goes into it. They're trying to say that if there's a claim, they want the insurance company to handle the claim quickly and to pay without a fight. Well, all major insurance companies do pay clearly covered claims quickly, but...
by Rupert
Mon Aug 20, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Designing floor plan for furniture layout
Replies: 15
Views: 993

Re: Designing floor plan for furniture layout

IKEA actually has a room-design service that may work for you. Go to their US website and pick "online planning" from the "services" dropdown menu. It's fairly basic but may get the job done.
by Rupert
Mon Aug 20, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 12374

Re: Excessive Emergency Room Charges - Options?

Much much less. An ultrasound should not cost more than $200. Comparing what an ultrasound costs in an ER setting to what an ultrasound would cost in your doctor's office or elsewhere is not an apples-to-apples comparison. Everything costs more in the ER. This is so because it's expensive to keep a...
by Rupert
Mon Aug 20, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 12374

Re: Excessive Emergency Room Charges - Options?

Just curious, what do you think the services you received should have cost?
by Rupert
Mon Aug 20, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Establishing Residency as College Tuition Strategy
Replies: 16
Views: 900

Re: Establishing Residency as College Tuition Strategy

Whether this is a viable strategy is going to vary by state and, to an extent, by institution. States know that people do this, and most have passed fairly strict residency rules to prevent you from doing it, especially if the state runs a generous undergraduate scholarship program for its in-state ...
by Rupert
Sun Aug 19, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 108
Views: 6643

Re: PCP Wants Full Charge Up Front

It wouldn't bother me but for the fact that doctors' offices, in general, are terrible at reimbursing patients for overpayments. I recently saw a doctor (a specialist) I hadn't seen in about 3 years, and they told me I owed no co-pay because I had a $30 credit on my account. When exactly were they p...
by Rupert
Sat Aug 18, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Soap for hand washing dishes
Replies: 40
Views: 2259

Re: Soap for hand washing dishes

Detergent is far superior for cleaning dishes than soap. It leaves less residue on the dishes and on the inside of your pipes. But if your wife insists, I suggest she use Dr. Bronner's pure castile bar soap for the job. If I were you, I'd continue to use liquid detergent when I washed the dishes. (I...
by Rupert
Fri Aug 17, 2018 2:07 pm
Forum: Investing - Theory, News & General
Topic: Is President Jimmy Carter a Boglehead?
Replies: 22
Views: 1884

Re: Is President Jimmy Carter a Boglehead?

Carter doesn’t even have federal retirement health benefits because he worked for the government for four years — less than the five years needed to qualify, according to the GSA. He says he receives health benefits through Emory University, where he has taught for 36 years." He was in the navy > 4...
by Rupert
Fri Aug 17, 2018 1:42 pm
Forum: Investing - Theory, News & General
Topic: Is President Jimmy Carter a Boglehead?
Replies: 22
Views: 1884

Re: Is President Jimmy Carter a Boglehead?

BIGal wrote:
Fri Aug 17, 2018 1:31 pm
I thought politics was a no, no in this forum??
I don't think the story is about politics. It's about how one former politician lives frugally. There have been hundreds of similar threads devoted to Warren Buffett, who lives a similar lifestyle (at least sometimes).
by Rupert
Fri Aug 17, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest Home Insurance ?
Replies: 34
Views: 3016

Re: Cheapest Home Insurance ?

My Hippo is an interesting new product that I had not heard of of until reading this thread. Looks legit, just make sure you understand what you're getting. This bit of information really caught my attention: "Hippo is not an insurance carrier, but an MGA (managing general agency). This means they c...
by Rupert
Fri Aug 17, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Maternity Leave and Open Enrollment - Insurance costs
Replies: 7
Views: 633

Re: Maternity Leave and Open Enrollment - Insurance costs

but healthcare is only covered by her employer for the first month. Does it mean that you/spouse needs to pay full amount of health insurance while she is on maternity leave OR health insurance coverage stops after one month of maternity leave? +1. OP, please clarify this because the situation you'...
by Rupert
Fri Aug 17, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 111
Views: 7498

Re: Minivan Vs SUV Experience

Q to who own(ed) both. My wife is not good at parking. And the public parking spaces here are very narrow. She insists SUV is easier to park because it's shorter and narrower than minivan. How's your experience? Which SUV are you considering? Not all SUVs are shorter and narrower than minivans. I f...
by Rupert
Fri Aug 17, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 111
Views: 7498

Re: Minivan Vs SUV Experience

I am reviewing this thread with a lot of interest. Since I retired my wife and I have discussed adding a third affordable (newly used) vehicle, either a minivan or SUV. Its primary use would be for hauling home improvement project stuff and vacation travel to state parks, camp sites, etc. We are cu...
by Rupert
Fri Aug 17, 2018 8:19 am
Forum: Investing - Help with Personal Investments
Topic: How to safely build a new house [financial risk]
Replies: 2
Views: 383

Re: How to safely build a new house [financial risk]

Sell the current house. Rent a house (or apartment). Only then start construction on the new house.
by Rupert
Fri Aug 17, 2018 6:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 60
Views: 6089

Re: Vanguard Switch to Brokerage Accounts

Can anyone tell me how this switch would affect someone attempting a backdoor Roth IRA for the first time this year? If the person already has a Roth account at Vanguard, which is an old mutual fund account, but opens a new tIRA at Vanguard, which is a new brokerage account, will there be any hiccu...
by Rupert
Thu Aug 16, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 103
Views: 7297

Re: Using ACA for early retirement years

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

1. Do just about everything you can (or not do) to be and stay healthy.
Alternatively, try to be really really sick so that you qualify for disability and early Medicare. Sadly, many Americans choose this option.
by Rupert
Thu Aug 16, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: Master bathroom addition question
Replies: 10
Views: 754

Re: Master bathroom addition question

We stayed in a hotel recently that had the bathroom in a thin little hallway with a slide door that was literally behind the bed. Was wondering if this was possible without the cost being prohibitive? Thanks! More important than the plumbing, OP, are the roof and foundation. Will they accommodate a...
by Rupert
Thu Aug 16, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Master bathroom addition question
Replies: 10
Views: 754

Re: Master bathroom addition question

It's not necessary that a new bathroom be next to an old one, but it could reduce the cost of the new bathroom by a lot.
by Rupert
Thu Aug 16, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: withdraw home insurance claim
Replies: 3
Views: 289

Re: withdraw home insurance claim

Different insurance companies have different policies re the effect of withdrawn claims on premiums. Some companies will use the mere report of a potential claim to increase the premium or drop coverage. Ask your agent what your company does. (Edited to add -- Here's some advice from someone who liv...