Search found 3616 matches

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: 12388

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: 12388

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: 901

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: 6649

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: 2266

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: 1885

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: 1885

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: 3025

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: 7514

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: 7514

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: 6131

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: 7317

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: 755

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: 755

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: 290

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...
by Rupert
Thu Aug 16, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 45
Views: 1780

Re: Mail order pharmacy

You need to be aware that if you are in a state where temperatures are high it can damage the mediation during the shipping process. people who live in the south might consider forgoing mail order since capsules and even tablets can melt or the active medication can be altered at high temperatures....
by Rupert
Thu Aug 16, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 45
Views: 1780

Re: Mail order pharmacy

For those of you worried about drugs sitting in hot (or cold, which for some drugs is worse than heat) UPS or FedEx trucks before delivery to your home, how do you think the drugs get delivered to your local pharmacy? Edited to add: I have a very expensive drug delivered to my home from a specialty ...
by Rupert
Thu Aug 16, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Sign - Speed checked by Radar
Replies: 41
Views: 2954

Re: Sign - Speed checked by Radar

Those signs don't mean that speed is checked by radar 24/7. They just mean that your speed may be checked by radar -- usually from inside an officer's car -- at some time. State Troopers usually have radar guns mounted on both the front and rear dashboards of their cars so they can monitor vehicles ...
by Rupert
Wed Aug 15, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 103
Views: 7317

Re: Using ACA for early retirement years

However, it I was paying the list price, I would not be happy about some of the seemingly excess coverages. In reading through the lengthy printed policy that was provided to us, it includes maternity benefits, substance abuse benefits and mental health counseling. These benefits are pretty much us...
by Rupert
Wed Aug 15, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 103
Views: 7317

Re: Using ACA for early retirement years

However, it I was paying the list price, I would not be happy about some of the seemingly excess coverages. In reading through the lengthy printed policy that was provided to us, it includes maternity benefits, substance abuse benefits and mental health counseling. These benefits are pretty much us...
by Rupert
Wed Aug 15, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 67
Views: 6440

Re: Changing Car Cabin Air Filter - after how much time

With respect to filters, it's actually not. The car mfr doesn't know where you live -- whether it's dusty, etc. They can't possibly program the maintenance minder to be accurate in every situation. And the maintenance minder isn't actually monitoring the state of your filters. It's just spitting ou...
by Rupert
Wed Aug 15, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 67
Views: 6440

Re: Changing Car Cabin Air Filter - after how much time

Just follow the manufacturer's maintenance schedule outlined in your owner's manual! It's that simple. With respect to filters, it's actually not. The car mfr doesn't know where you live -- whether it's dusty, etc. They can't possibly program the maintenance minder to be accurate in every situation...
by Rupert
Wed Aug 15, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: 33 Male, how am I doing?
Replies: 28
Views: 2864

Re: 33 Male, how am I doing?

BuckyBadger wrote:
Wed Aug 15, 2018 11:34 am
Just out of curiosity, how does your being male enter into your question?
Seeing the word "male" in the title is actually what prompted me to read the thread. What possible relevance does it have to the question presented?
by Rupert
Wed Aug 15, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 67
Views: 6440

Re: Changing Car Cabin Air Filter - after how much time

Every January, I get out the maintenance/owner's manuals for my vehicles and make a list of the maintenance that needs to be done on each vehicle at some point during the year. At the same time, I pull out the cabin and engine air filters for each vehicle and inspect them. If they're dirty, I add fi...
by Rupert
Wed Aug 15, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Sidewalk repair - price in line?
Replies: 32
Views: 2152

Re: Sidewalk repair - price in line?

I am missing something here. Who owns this sidewalk? Where we are (northeast), the municipality owns sidewalks that run parallel to the street. I guess that it’s different in southern Florida. It might not be different in FL. In CT sidewalks are practically always located in the public ROW. That me...
by Rupert
Wed Aug 15, 2018 6:57 am
Forum: Personal Consumer Issues
Topic: Sidewalk repair - price in line?
Replies: 32
Views: 2152

Re: Sidewalk repair - price in line?

Get 3 quotes. There's another thread about taxes in FL being low. I guess cities don't maintain sidewalks in Florida. Apparently OP has already tried to do this. Please suggest ways of getting 3 quotes when contractors don't bother to bid. +1. I recently replaced a driveway. I must have called a do...
by Rupert
Tue Aug 14, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Biking with 2 young children - what gear to get?
Replies: 26
Views: 1521

Re: Biking with 2 young children - what gear to get?

The trailer is good for short jaunts with both kids, but for longer travel they start to pester each other as the trailers are narrow. +1. Same experience with two kids the same age (twins). Within two minutes of strapping them both into a bike trailer, they were at each other's throats. So I would...
by Rupert
Tue Aug 14, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 103
Views: 7317

Re: Using ACA for early retirement years

Even before ACA, there were protections from pre-existing condition exclusions if you had continuous coverage. In my opinion, three years would be a pretty safe bet with ACA, Not for everyone. HIPAA provided some protection from pre-existing condition exclusions in the group market, i.e., employer-...
by Rupert
Tue Aug 14, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Negative Insurance Discount with United Health Care and Sentara
Replies: 42
Views: 2864

Re: Negative Insurance Discount with United Health Care and Sentara

Have you asked your insurance company how much you owe the provider? That's what I would do first.

$380 for a chest xray would be bonkers, so does that number also include the amount charged by a doctor to read the xray?
by Rupert
Tue Aug 14, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 8142

Re: Retire in Florida or Alabama?

Since advantages of FL have been pointed out, I’ll share some for the other side. Alabama has some of the lowest property tax in the country. If they are retired and over 65 there are many other tax advantages as well. https://revenue.alabama.gov/individual-corporate/taxes-administered-by-individua...
by Rupert
Mon Aug 13, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Pop up tent camper
Replies: 24
Views: 2830

Re: Pop up tent camper

never buy new, campers are like boats, best days are buying and selling. Storage lots are full of them, they depreciate quickly Any advice on pricing and where to look for a use light weight pop up tent camper? Thanks Paul Craigslist. Pricing depends on the unit you're looking at. Just this morning...
by Rupert
Mon Aug 13, 2018 11:15 am
Forum: Investing - Theory, News & General
Topic: Offering 401k Advice to my coworkers?
Replies: 36
Views: 3500

Re: Offering 401k Advice to my coworkers?

I would never expect HR to give 401k direction, they poorly take care of HR business. On my first day of work, I didn't know what a mutual fund was, but I worked with some older guys who opened my eyes to saving and investing. I was an eager student and those two men changed the trajectory of my fa...
by Rupert
Mon Aug 13, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Where to stay in Key West?
Replies: 20
Views: 1250

Re: Where to stay in Key West?

As others have said, one doesn't go to Key West for the beaches, which are rocky and typically have strong currents just offshore (which makes swimming iffy). Key West is great for other water-based activities -- fishing, kayaking, snorkeling, paddle boarding, sailing, etc. It's also just a great li...
by Rupert
Sun Aug 12, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Liability only car insurance and my car destroyed
Replies: 15
Views: 2840

Re: Liability only car insurance and my car destroyed

Liability only car insurance and my car destroyed How it works and my insurance company doesn't pay anything to me You haven't provided enough information for anyone to help you. Was your car destroyed in an accident or via some other means? If an accident, was there another vehicle involved? If an...
by Rupert
Fri Aug 10, 2018 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage Account for Minor
Replies: 28
Views: 2050

Re: Brokerage Account for Minor

I think you'd want to prioritize Roth IRA over tIRA at her age so the money can grow tax-free for 60-70 years. You are still limited by the amount of her earned income for the year. If she has no earned income, I'd just use the regular custodial account. As for the successor custodian matter, they j...
by Rupert
Fri Aug 10, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 34
Views: 2673

Re: Plan for Parental Care in my road to financial independence

Has MIL already gotten a green card? Not yet, currently in the process A bunch of my friends who are still working tell me "things are different now" regarding green cards. Good luck. That's exactly the point I kept trying to impress upon OP in my posts above without getting into politics. See http...
by Rupert
Fri Aug 10, 2018 9:33 am
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 60
Views: 6131

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 hiccup...
by Rupert
Fri Aug 10, 2018 8:03 am
Forum: Investing - Theory, News & General
Topic: Offering 401k Advice to my coworkers?
Replies: 36
Views: 3500

Re: Offering 401k Advice to my coworkers?

Their response was that any advice must come from Vanguard. In that context, I wonder if said Vanguard rep is acting in the context of a Fiduciary. Vanguard is almost certainly acting as a 3(21) fiduciary. They may or may not have contractually assumed 3(38) fiduciary responsibility as well. Just a...
by Rupert
Thu Aug 09, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: First time taking kids to airport..
Replies: 28
Views: 2401

Re: First time taking kids to airport..

getthatmarshmallow wrote:
Thu Aug 09, 2018 4:51 pm


Pack a lot of snacks. My kids (5 and 2) acted like I hadn't fed them in a week as they scarfed down everything on the plane.
The chewing helps equalize the pressure in their ears. My kids eat nonstop on planes too.
by Rupert
Thu Aug 09, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: First time taking kids to airport..
Replies: 28
Views: 2401

Re: First time taking kids to airport..

You can gate check carseats for free. That's preferable to checking them at the check-in counter. They'll get slammed around a little less (just a little).
by Rupert
Thu Aug 09, 2018 4:39 pm
Forum: Investing - Theory, News & General
Topic: Offering 401k Advice to my coworkers?
Replies: 36
Views: 3500

Re: Offering 401k Advice to my coworkers?

Yes, crossing a line and placing yourself and the company at risk. There's a reason why retirement plan decision-makers are covered by ERISA liability insurance. I'm on my company's retirement plan committee and am covered by our insurance policy, but I still am careful to couch my answers to employ...
by Rupert
Thu Aug 09, 2018 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 34
Views: 2673

Re: Plan for Parental Care in my road to financial independence

I'm not afraid of an IRS challenge. I hire my MiL to provide a service. I don't dictate her hours, or tell her what to do. I just request that she spends 3 hours a week cleaning my house. If that's not a 1099 relationship, I don't know what is. She has no medical issues right now. I was simply anti...
by Rupert
Thu Aug 09, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 34
Views: 2673

Re: Plan for Parental Care in my road to financial independence

I'm not afraid of an IRS challenge. I hire my MiL to provide a service. I don't dictate her hours, or tell her what to do. I just request that she spends 3 hours a week cleaning my house. If that's not a 1099 relationship, I don't know what is. She has no medical issues right now. I was simply anti...
by Rupert
Thu Aug 09, 2018 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 34
Views: 2673

Re: Plan for Parental Care in my road to financial independence

I'm not afraid of an IRS challenge. I hire my MiL to provide a service. I don't dictate her hours, or tell her what to do. I just request that she spends 3 hours a week cleaning my house. If that's not a 1099 relationship, I don't know what is. She has no medical issues right now. I was simply anti...
by Rupert
Thu Aug 09, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Uninsured Motorist coverage
Replies: 30
Views: 1931

Re: Uninsured Motorist coverage

A bit perplexing. Uninsured motorist hits your car and injures you and a passenger. Medical and liability coverage should kick in regardless. In what scenario would one need to use this beyond simply selecting state minimums? https://www.allstate.com/tools-and-resources/videos/ask-agent-car-insuran...
by Rupert
Thu Aug 09, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Uninsured Motorist coverage
Replies: 30
Views: 1931

Re: Uninsured Motorist coverage

A bit perplexing. Uninsured motorist hits your car and injures you and a passenger. Medical and liability coverage should kick in regardless. In what scenario would one need to use this beyond simply selecting state minimums? https://www.allstate.com/tools-and-resources/videos/ask-agent-car-insuran...
by Rupert
Thu Aug 09, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 111
Views: 7514

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...