Search found 3402 matches

by Rupert
Wed Jul 11, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 2815

Re: How to plan for health insurance at a young age?

One thought, assuming 99% of things are covered under the ministry plan insurance.... if/when someone finds they do have an ailment that will cost more than the $1m cap, what do they do? Try signing up for a regular insurance plan in hopes the pre-existing condition doesn't prevent them from gettin...
by Rupert
Wed Jul 11, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 2815

Re: How to plan for health insurance at a young age?

One thought, assuming 99% of things are covered under the ministry plan insurance.... if/when someone finds they do have an ailment that will cost more than the $1m cap, what do they do? Try signing up for a regular insurance plan in hopes the pre-existing condition doesn't prevent them from gettin...
by Rupert
Wed Jul 11, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 2815

Re: How to plan for health insurance at a young age?

One thought, assuming 99% of things are covered under the ministry plan insurance.... if/when someone finds they do have an ailment that will cost more than the $1m cap, what do they do? Try signing up for a regular insurance plan in hopes the pre-existing condition doesn't prevent them from gettin...
by Rupert
Wed Jul 11, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 2815

Re: How to plan for health insurance at a young age?

One thought, assuming 99% of things are covered under the ministry plan insurance.... if/when someone finds they do have an ailment that will cost more than the $1m cap, what do they do? Try signing up for a regular insurance plan in hopes the pre-existing condition doesn't prevent them from gettin...
by Rupert
Wed Jul 11, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 2815

Re: How to plan for health insurance at a young age?

Scientists at Johns Hopkins recently reported that 66% of cancers are caused by random DNA copying errors, 29% are attributable to lifestyle/environmental factors, and 5% are inherited. See https://www.hopkinsmedicine.org/news/media/releases/new_study_finds_that_most_cancer_mutations_are_due_to_rand...
by Rupert
Wed Jul 11, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Neighbor’s Contractor Damaged Adjoining Property
Replies: 30
Views: 2187

Re: Neighbor’s Contractor Damaged Adjoining Property

And I don't know why non-lawyers are so quick to chime in with their thoughts / suggestions. Law isn't just for lawyers, it is for everyone. Some small claims courts don't even allow lawyers to represent clients in court. There is a difference between “the law”, which is for everyone, and giving le...
by Rupert
Wed Jul 11, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Printing photos from JPG files
Replies: 30
Views: 1184

Re: Printing photos from JPG files

Make sure to get a legal release from your photographer to print the photos. The photographer owns the copyright, and some print shops won't print the photos without a release from the photographer. I haven't had this problem with the on-line sites.
by Rupert
Wed Jul 11, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 2815

Re: How to plan for health insurance at a young age?

What should I be searching in the forums for? I tried Healthcare costs but that was all over the place for posts. Search for "healthcare sharing ministry." That's not what most of those prior threads are all about, but healthcare sharing ministries always seem to come up in those threads. So it's a...
by Rupert
Wed Jul 11, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need Commercial Auto Insurance for a Business vehicle?
Replies: 14
Views: 821

Re: Do I need Commercial Auto Insurance for a Business vehicle?

I do have a business license from my city. Are you suggesting getting a personal auto policy and getting it endorsed for use by business? That would help in deducting business expenses? Call your insurance company (or an insurance company, if you don't presently have any auto insurance) and ask the...
by Rupert
Wed Jul 11, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5690

Re: Anyone take naps at work?

Only one guy naps at my work. He's well past full retirement age. We thought he had narcolepsy because he would nod off while sitting at his desk without even realizing it, but, after testing, it was determined to be sleep apnea. Either way, he probably should retire. Napping is not part of our work...
by Rupert
Wed Jul 11, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Neighbor’s Contractor Damaged Adjoining Property
Replies: 30
Views: 2187

Re: Neighbor’s Contractor Damaged Adjoining Property

The person should contact the contractor who built the driveway. If it can’t handle a truck driving on it, it wasn’t built properly. Well, now, that would depend on the truck, wouldn't it? And on any guarantees made by the concrete contractor when the driveway was poured. I happen to be having a ne...
by Rupert
Wed Jul 11, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: Masterbath Remodel - Tub or No Tub ?
Replies: 57
Views: 3425

Re: Masterbath Remodel - Tub or No Tub ?

Smaller tiles on the floor are also for *safety*. Large tiles get slippery. There are plenty of large tiles designed specifically for shower floors. They have nonslip textures. Tumbled texture is available in all sizes and you are getting more anti-slip from grout likely. What have you had to do fo...
by Rupert
Wed Jul 11, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 2815

Re: How to plan for health insurance at a young age?

There is absolutely no way to predict what sort of healthcare system we will have in this country 15-20 years from now, let alone what it will cost. You should read through the many posts written by early retirees in their 50s re what they pay for health insurance and how much the cost increases eac...
by Rupert
Wed Jul 11, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance for elderly immigrants
Replies: 6
Views: 418

Re: Health insurance for elderly immigrants

I thought lawful immigrants over age 65 could buy into Medicare after 5 years? There have been prior threads on this issue, which you might search for, OP.
by Rupert
Wed Jul 11, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: Masterbath Remodel - Tub or No Tub ?
Replies: 57
Views: 3425

Re: Masterbath Remodel - Tub or No Tub ?

Thanks again for the additional feedback. We are more confident in the NO TUB decision for our master bath. One additional comment -- we have a very high ceiling in master bath so the shower would not be enclosed on top. For those that put in walk-in showers / wet areas. Are there any must have's, ...
by Rupert
Wed Jul 11, 2018 8:23 am
Forum: Investing - Help with Personal Investments
Topic: When to start taxable?
Replies: 22
Views: 2073

Re: When to start taxable?

I'll be the contrarian here. Whether it makes sense to max your 401k before investing in a taxable account depends, in large part, on whether you need to max that account in order to reach your retirement goals and on what your other goals are. For example, if you have a pension, in addition to a 40...
by Rupert
Wed Jul 11, 2018 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Car totaled by uninsured driver
Replies: 37
Views: 3483

Re: Car totaled by uninsured driver

At the sort of jobs where uninsured people work, one often gets fired as soon as it is learned that wages are being garnished. Federal law protects an employee from being fired for a first garnishment, but not for a second garnishment, and employers typically find other, legal reasons (pretext) to f...
by Rupert
Tue Jul 10, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Printing photos from JPG files
Replies: 30
Views: 1184

Re: Printing photos from JPG files

Thank you all for the helpful feedback. Just to clarify, I am looking for (reasonably) high-quality prints. The pictures are of a special occasion and whatever gets framed will be given to parents, for example. While the book would probably be just for us, it is something that we plan to look at re...
by Rupert
Tue Jul 10, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Printing photos from JPG files
Replies: 30
Views: 1184

Re: Printing photos from JPG files

Use one of the on-line sites such as Shutterfly or Snapfish. I find it's too costly to print a large number of photos at home. Almost any photo print company can make a photo book as well (along with coffee mugs, holiday ornaments, calendars, canvases, etc.). The local pharmacy (Walgreens, etc.) wil...
by Rupert
Tue Jul 10, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Masterbath Remodel - Tub or No Tub ?
Replies: 57
Views: 3425

Re: Masterbath Remodel - Tub or No Tub ?

Any comments on experience with "walk-in tubs"? Don't buy one unless you really need one for medical reasons. You have to sit inside a walk-in tub while it fills with water, and you have to remain inside a walk-in tub until all the water drains out of it (and they hold a lot of water). For some rea...
by Rupert
Tue Jul 10, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Masterbath Remodel - Tub or No Tub ?
Replies: 57
Views: 3425

Re: Masterbath Remodel - Tub or No Tub ?

I did a similar remodel last year and removed my useless garden tub, which had been used only to store the laundry hamper for the last 10 years. I put in a new tiled shower where the tub had been and converted the old walk-in shower space into a new closet that was desperately needed for storage. In...
by Rupert
Tue Jul 10, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: 30 Year vs 15 Year Mortgage
Replies: 79
Views: 4738

Re: 30 Year vs 15 Year Mortgage

NathanDH wrote:
Tue Jul 10, 2018 10:49 am
Am I still able to deduct mortgage interest? What has changed with the new tax bill?
The new standard deduction for a married couple filing jointly is $24,000. So most people won't be itemizing and deducting mortgage interest any longer.
by Rupert
Tue Jul 10, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: 30 Year vs 15 Year Mortgage
Replies: 79
Views: 4738

Re: 30 Year vs 15 Year Mortgage

You can always pay a 30-year mortgage off early and even on a 15-year schedule if you wish. So there's really no downside to choosing the 30-year, especially if you are reaching a bit to afford the house. The 30-year gives you some breathing room. If you're not certain you'll be in this job/communit...
by Rupert
Tue Jul 10, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Going solar?
Replies: 73
Views: 5937

Re: Going solar?

Haven't done it but am starting to consider a small (due to site limitations) installation. Don't see how you can have a useful discussion without including climate and State (for regulatory issues) in every comment. +1. Just read an article about my state permitting our electric utility to charge ...
by Rupert
Tue Jul 10, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Car totaled by uninsured driver
Replies: 37
Views: 3483

Re: Car totaled by uninsured driver

Out of curiosity, what state do any of you live in where this loss would be covered under underinsured/uninsured motorist? Typically these would cover bodily injury only (and have $0 deductible). The property damage, is probably a collision claim which is why we've seen so many mentions of deductib...
by Rupert
Tue Jul 10, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance for Couple Early Retirement
Replies: 29
Views: 2422

Re: Health Insurance for Couple Early Retirement

I don't think buying into a group policy based on volunteer work is going to be an option, which leaves the ACA and alternatives to the ACA (which have been extensively discussed in other threads here -- search for "healthcare sharing ministry" or "short term health insurance"). Given their pre-exis...
by Rupert
Mon Jul 09, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Neighbor’s Contractor Damaged Adjoining Property
Replies: 30
Views: 2187

Re: Neighbor’s Contractor Damaged Adjoining Property

Have any of you advising OP that his friend's neighbor is not responsible actually taken an agency law class? You all should Google that along with "joint and several liability."
by Rupert
Mon Jul 09, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Cost of adding AC and change pipes to old house
Replies: 12
Views: 1016

Re: Cost of adding AC and change pipes to old house

$10K-15K to re-wire a house. $10K to re-plumb with copper, $6K with PEX. $3-8K for the AC unit. $35-55 per linear foot for new ductwork. That earlier guess of $10K-40K was fairly accurate, I think, except I think the low number will be $20K, not $10K (you're in LA after all).
by Rupert
Mon Jul 09, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Neighbor’s Contractor Damaged Adjoining Property
Replies: 30
Views: 2187

Re: Neighbor’s Contractor Damaged Adjoining Property

I wouldn't assume that the contractor would ignore it or that the neighbor will refuse to pay. Likely both have liability insurance. The contractor might volunteer to come fix the concrete to avoid a claim on his insurance.
by Rupert
Mon Jul 09, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life - We're doing it. What to look for?
Replies: 128
Views: 7863

Re: Whole Life - We're doing it. What to look for?

I would suggest to get with a broker and price out term insurance if you have an ACTUAL insurable need above the amount of term you already have in place. I sense some emotion and fear in the original post that may or may not be based in reality. If you do need more insurance above your term insura...
by Rupert
Mon Jul 09, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Cost of adding AC and change pipes to old house
Replies: 12
Views: 1016

Re: Cost of adding AC and change pipes to old house

Yes, more info is needed. The ability to run and the cost of running ductwork is likely going to be the biggest issue, and possibly the biggest expense, with respect to adding central AC. If you have a crawlspace and attic, it's fairly easy to do. If you don't, not so much. You might consider a duct...
by Rupert
Mon Jul 09, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Whole Life - We're doing it. What to look for?
Replies: 128
Views: 7863

Re: Whole Life - We're doing it. What to look for?

Background 2: A recent unexpected death in our family left everyone shocked and saddened for an extended period of time. This was the first time either myself or my SO had been in the immediate family of someone who passed and we saw first-hand how a lack of insurance adds an incredible amount of s...
by Rupert
Mon Jul 09, 2018 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Term Life Without Medical Exam
Replies: 8
Views: 1289

Re: Term Life Without Medical Exam

A family member told me he got denied term life insurance due to medical underwriting for a relatively minor condition found on physician exam. He's in good health and is not sure what do to next. Is it possible to skip the medical exam by getting multiple smaller term life policies from different ...
by Rupert
Mon Jul 09, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Beach Chair Recommendations
Replies: 6
Views: 708

Re: Beach Chair Recommendations

The Tommy Bahama ones bought at Costco (the ones with straps that you can wear like backpacks) are best. Mine don't have those sayings on them. They do have a Hawaiian-shirt-type pattern though along with "Tommy Bahama" written in large letters.
by Rupert
Mon Jul 09, 2018 7:58 am
Forum: Personal Consumer Issues
Topic: What do you pay for home services?
Replies: 55
Views: 3480

Re: What do you pay for home services?

I rent, clean my apartment myself, and don't have any landscaping. I wonder why these $500 monthly non-deductible costs are never mentioned in Bogleheads comparisons of renting with buying. Victoria Because they are a want not a need. Until you're older. Then try dragging a self-propelled(sic) mowe...
by Rupert
Mon Jul 09, 2018 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Should I take a $60k paycut to work 4days/week
Replies: 58
Views: 5461

Re: Should I take a $60k paycut to work 4days/week

barnaclebob wrote:
Mon Jul 09, 2018 7:49 am
I don't know how anyone above could give an answer without you saying how much you would still be making and what your expenses are.

Going from 150k to 90k is way different than going from 300k to 240k.
+1, and, no, you are not way behind in retirement savings.
by Rupert
Sun Jul 08, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Used Honda - How to confirm it was serviced on time?
Replies: 18
Views: 1255

Re: Used Honda - How to confirm it was serviced on time?

Given that it's a Honda, I'd be concerned that the transmission fluid has never been changed. My Honda Odyssey signaled me to change the tranny fluid at only 30,000 miles. Hondas have finicky transmissions. At the very least, I'd get a dealer or very good independent who specializes in Hondas to che...
by Rupert
Sun Jul 08, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: NJ Diminished Value Claim
Replies: 7
Views: 804

Re: NJ Diminished Value Claim

Varies by state. I'm not in New Jersey, but I did just successfully settle a DV claim last week with Farmer's insurance. Are you filing on your own collision policy or directly on the other party's liability policy? In some states, DV claims are included in collision coverage, but in other states th...
by Rupert
Sun Jul 08, 2018 3:49 pm
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 5783

Re: Girls and investing

As a single woman, I am frequently stunned by the multiple threads by husbands/partners who are in despair as to how their wife/partner will handle finances once they are gone. There is a lot of hand wringing. Obviously there was a basic problem with education starting off when the girls were young...
by Rupert
Sun Jul 08, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental Death & Dismemberment Insurance
Replies: 27
Views: 1999

Re: Accidental Death & Dismemberment Insuranc

AD and D is very cheap insurance and I am always tempted when I see the rates. But AD and D is very limited! What if you die in a car crash of a heart attack and not because of your injuries? Would AD and D pay? No, it wouldn't pay in the case of your hypothetical car accident. And they all define ...
by Rupert
Sun Jul 08, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: New ladies bike: recommendations
Replies: 17
Views: 1095

Re: New ladies bike: recommendations

There are many great bikes that will meet your needs in your price range. I would start my search at the nearest bike store -- not Target or Walmart, a real bike store, such as Trek. Have them size you. Test drive a few bikes around the store. Get them to recommend a bike for you and then go home an...
by Rupert
Sun Jul 08, 2018 9:32 am
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 5783

Re: Girls and investing

Age for this type of things is very kid specifc. Most 7/8 year olds are working on basic money math (i.e. how many .05 gumballs can I get for 10 dollars) and don't have a great idea of what exactly things like companies are. Working on things like deferred gratification (i.e. save your 10 dollars f...
by Rupert
Sun Jul 08, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Mailbox at UPS Store as Primary Address?
Replies: 12
Views: 1460

Re: Mailbox at UPS Store as Primary Address?

If you absolutely have to have a new physical address for such a short period of time, I would choose a family member's address, e.g., a parent's or sibling's address.
by Rupert
Sun Jul 08, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Accidental Death & Dismemberment Insurance
Replies: 27
Views: 1999

Re: Accidental Death & Disability Insurance

No one buys (or should buy) AD&D unless they are ineligible, for health reasons, to buy term life insurance and disability insurance. Why can't you just buy term life and disability, both of which are better, more comprehensive products? If you're operating under the assumption that AD&D replicates ...
by Rupert
Sat Jul 07, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: thoughts on converting small pantry to 3/4 bath
Replies: 22
Views: 1330

Re: thoughts on converting small pantry to 3/4 bath

So the pantry is 3' x 6'. How big will the new bathroom be? I think a lot of prior posters are imaging a 3' x 6' bathroom which I can't imagine is possible. Assuming the new bathroom will be small, however, has the contractor proposed actually making that bathroom a wet room, i.e., making the entire...
by Rupert
Sat Jul 07, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Replacing only 2 tires out of 4?
Replies: 18
Views: 1447

Re: Replacing only 2 tires out of 4?

Most tire and auto mfrs recommend replacing tires at 6 years old, no matter the mileage. They become unsafe to drive at that age due to dry rot. So I would replace all 4 tires.
by Rupert
Sat Jul 07, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5613

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

OP, you're getting some sketchy advice from prior posters on the brake fluid. Again, read your manual. Honda recommends replacing brake fluid based on time, not mileage. So it doesn't matter one whit that your car only had 8K miles on it. It should be replaced every 2 or 3 years (check your manual f...
by Rupert
Sat Jul 07, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5613

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

Just fyi: Never -- NEVER -- let a mechanic mechanically flush a Honda transmission or power steering system. Read your owner's manual. It's all in there.
by Rupert
Sat Jul 07, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5613

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

Do you have any idea how easy it is to change your own cabin and engine air filters? Order the filters on Amazon, which has a nice feature that will help you make sure to order the correct filters and then store that information for you for future reference. Those filters should cost no more than $2...
by Rupert
Fri Jul 06, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Anyone Tried Costco Travel Packages?
Replies: 31
Views: 3650

Re: Anyone Tried Costco Travel Packages?

I would advise you to individually price the components of the trip and compare. I have done this a couple of times and found that I could book the same trip myself at a lower price by going directly to the airlines, hotels, etc. Of course, the Costco package does save you the trouble of doing that,...