Search found 3778 matches

by Rupert
Sun Dec 02, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 52
Views: 3974

Re: Please Recommend a New Car for Me

I second the recommendation for the Subaru Crosstrek. It seems perfect for your needs. You can get it with a manual, but note that the automatic actually gets better gas mileage.
by Rupert
Sat Dec 01, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: What fees are reasonable/competitive for a 403(b)?
Replies: 18
Views: 998

Re: What fees are reasonable/competitive for a 403(b)?

As prior posters noted, what's reasonable depends on the size of the plan, unfortunately. Fees in the neighborhood of 1% are "reasonable" for small 403b ERISA plans in the limited sense that it's very hard for small plans to find providers that will charge them less than that. Large 403b ERISA plans...
by Rupert
Fri Nov 30, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Our SS Numbers were hacked at Health Provider
Replies: 12
Views: 1492

Re: Our SS Numbers were hacked at Health Provider

There's really nothing more you can do other than check your credit report from time to time to look for fraudulent activity. Even when your credit is frozen, it's still possible for someone to fraudulently use your identity. Not all creditors check credit scores before opening new accounts, and som...
by Rupert
Fri Nov 30, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?
Replies: 65
Views: 4046

Re: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?

Why in the world would you have a 17-year-old car repaired at a dealership? You can significantly reduce the cost of those repairs at an independent mechanic. That said, I would never ever put $2000+ into a 17-year-old car, no matter how many miles were on it. With today's cars, age is really more i...
by Rupert
Fri Nov 30, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Children's Books for Gifting
Replies: 16
Views: 787

Re: Children's Books for Gifting

I should have included the Magic Tree House books, the Stilton (Geronimo and Thea) books, and anything by Lemony Snicket (especially the Series of Unfortunate Events books) in my post above. My kids loved the Magic Tree House series in 1st and 2nd grades. By 3rd grade, they lost interest and became ...
by Rupert
Fri Nov 30, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Children's Books for Gifting
Replies: 16
Views: 787

Re: Children's Books for Gifting

I suggest the Harry Potter series because it appeals to a broad age range. For the middle years, anything by Kate DiCamillo (Because of Winn Dixie, The Tale of Despereaux, Flora & Ulysses, etc.) is a good choice. She has a new one out (Louisiana's Way Home). I recommend anything by Rainbow Rowell (E...
by Rupert
Fri Nov 30, 2018 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Changing homeowner's insurance companies
Replies: 2
Views: 497

Re: Changing homeowner's insurance companies

I think that's typical. In all my years of having homeowners insurance, the companies (several of the biggest ones) have always mailed me the policy after the date it went in force. If you work with an agent though (an actual person with an actual office, as opposed to a nameless voice on the phone ...
by Rupert
Thu Nov 29, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: Warm Sleepwear
Replies: 21
Views: 2442

Re: Warm Sleepwear

Garnet Hill and LLBean are good sources for flannel sleepwear. You do need to find out if she prefers nightgowns or pajamas and, if she prefers pajamas, make sure she doesn't mind buttons on pajama tops before going that route.
by Rupert
Wed Nov 28, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Use 529 to pay for Private Kindergarten Summer program
Replies: 2
Views: 415

Re: Use 529 to pay for Private Kindergarten Summer program

Exactly what kind of summer program is this? It's pretty clear that summer "camps" don't qualify. See https://thecollegeinvestor.com/21959/529-plan-private-school/ . I personally wouldn't try to use 529 funds for this unless the summer program was a mandatory component of a 12-month kindergarten cur...
by Rupert
Wed Nov 28, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 88
Views: 5536

Re: Is good, quality luggage worth the price?

I see most people use smaller luggage and carryons. They are ok on a business trip, but what do you do when travelling with family? Two medium suitcases don't fit in many cars, especially in small rentals. A carry on inside the car is annoying. Brands recommended here (Travel Pro Platinum, B&R) don...
by Rupert
Wed Nov 28, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 55
Views: 3301

Re: Quicken 2019 and forward

I was very resistant to the subscription model at first, but now I actually like it. The old system was very buggy on my machine. Updates would sometimes disable functions for weeks or longer. I have had no such problems since the switch to the subscription model. Now the program is updated more fre...
by Rupert
Tue Nov 27, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 7427

Re: Employeer taking vacation days on public holidays - is this legal or normal?

I have no idea if it's normal, but my father worked for a highly-regulated company, a huge railroad, that had the same rule, so I can only assume it's legal.
by Rupert
Tue Nov 27, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Why is the Honda Fit so hard to find?
Replies: 63
Views: 5868

Re: Why is the Honda Fit so hard to find?

Is there a Carmax near you? If so, you could see if they have a used Fit like you want on their lot just for the purpose of test-driving it and measuring the cargo space. Carmax can also often ship one in for you from a different Carmax location for free. If you like it, have a local Honda dealer or...
by Rupert
Tue Nov 27, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Why is the Honda Fit so hard to find?
Replies: 63
Views: 5868

Re: Why is the Honda Fit so hard to find?

dsmclone wrote:
Tue Nov 27, 2018 10:32 am
Sounds like it won't be hard to sell my mothers Fit EX-L next year when she stops driving. 2 year old car and has about 10k miles. Heck maybe I'll keep it as a work car. They are very handy and extremely roomy for the size.
Why don't you sell it to OP?
by Rupert
Mon Nov 26, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: Broken Sewer pipe - $10,000-$20,000 to fix
Replies: 58
Views: 6213

Re: Broken Sewer pipe - $10,000 to fix

samsdad wrote:
Mon Nov 26, 2018 3:11 pm
Wouldn’t this be covered by your homeowner’s policy?
Not usually. HO typically only covers sewer line catastrophes if they're caused by a third party (e.g., neighbor or contractor) or an Act of God (e.g., fallen tree). Of course, insurance policies vary, and you should read your own policy.
by Rupert
Mon Nov 26, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-payment penalty mortgage
Replies: 16
Views: 1525

Re: Pre-payment penalty mortgage

Others may have a different opinion, but I want to get a mortgage from a bank or credit union that will not sell the s ervicing of the mortgage loan. Good luck getting that in writing. You won't get it in writing, but you can get it. After a stressful and annoying experience where my mortgage servi...
by Rupert
Mon Nov 26, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 88
Views: 5536

Re: Is good, quality luggage worth the price?

I have been traveling nearly every week for 9 years. Domestic and international. Travel pro would last a couple of years before the zipper handles started going missing. I use Briggs and Reilly now. Fits on any airplane even the CRJ9000 ( butnot the 700). Been all over the world with it. I think it...
by Rupert
Mon Nov 26, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Federal Job Offer - Should I take it?
Replies: 58
Views: 3855

Re: Federal Job Offer - Should I take it?

You seem to be excited about the move, but do you view it as a short-term or long-term move? In other words, do you think you might want to stay in San Fran forever, or do you view this move as a first, perhaps necessary, step to a federal position elsewhere along the West Coast? If the latter, I'd ...
by Rupert
Wed Nov 21, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Expensive car accident | Watching our for insurance
Replies: 16
Views: 2182

Re: Expensive car accident | Watching our for insurance

The collision center will use whatever parts the insurance company authorizes. This is true only if the shop is honest. I can remember two instances over the years when dealer body shops did not use the OEM parts promised and paid for. These were both instances where my car was hit by another vehic...
by Rupert
Wed Nov 21, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Home remodeling costs
Replies: 13
Views: 1281

Re: Home remodeling costs

We're watching Fixer Upper with Chip and Joanna Gaines on HGTV (out of Waco Texas), and they're doing absolutely unbelievable full house remodels for $150K. Don't you think they get a lot of labor and materials for free in exchange for the advertising? That tends to be the problem with the televisi...
by Rupert
Wed Nov 21, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Expensive car accident | Watching our for insurance
Replies: 16
Views: 2182

Re: Expensive car accident | Watching our for insurance

The collision center will use whatever parts the insurance company authorizes. What does your mother's insurance policy say about the use of OEM parts in these circumstances? I wouldn't count on the car being totaled.
by Rupert
Mon Nov 19, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: New car - aftermarket upgrades vs higher trim
Replies: 28
Views: 1876

Re: New car - aftermarket upgrades vs higher trim

Why can't I get the mental image of a lowrider minivan with a spoiler out of my head? For what it's worth, I would never consider buying a minivan with aftermarket anything in it, and I think I'm a fairly typical minivan-driving consumer. I think minivan drivers in general are a conservative bunch w...
by Rupert
Mon Nov 19, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: New Crossover Confusion.....
Replies: 26
Views: 2170

Re: New Crossover Confusion.....

There are great deals to be had on the 2018 Rav4s right now because dealers are trying to move them to make room for the redesigned 2019 models on their lots. Toyota is offering 0% financing for 48 months or $2500 cash back. It's a great deal on a reliable car that will last you 10 years easily. You...
by Rupert
Sun Nov 18, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Company Reccomendations
Replies: 7
Views: 754

Re: Life Insurance Company Reccomendations

term4sale.com comes highly recommended here. It will hook you up with an independent agent who can shop policies for you. Alternatively, I recommend doing a Google search for an independent agent in your community. The important word there is "independent." You don't want a captive agent, i.e., one ...
by Rupert
Fri Nov 16, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Employment for a disabled son
Replies: 29
Views: 2350

Re: Employment for a disabled son

Have you looked at how much private or commercial health insurance would cost him if he loses his eligibility for government benefits? That's the kicker, unfortunately.
by Rupert
Fri Nov 16, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: Home sale etiquette: wall repair
Replies: 53
Views: 3638

Re: Home sale etiquette: wall repair

The problem, as I see it, with removing nails and screws and other picture hanging hardware is that by doing so, you may create a problem where previously there was none. There's always a chance that a chunk of wall will come off with the nail, etc., if you remove it. And then you've got a hole that...
by Rupert
Fri Nov 16, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Home sale etiquette: wall repair
Replies: 53
Views: 3638

Re: Home sale etiquette: wall repair

Even if you have leftover paint stored somewhere, it's unlikely to match the paint on the walls, which tends to fade over time from light exposure. So I would just leave the nails where they are and let the new owners decide what to do about it.
by Rupert
Thu Nov 15, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Mouse in the house
Replies: 32
Views: 2205

Re: Mouse in the house

For one mouse in 17 years, I wouldn't spend any money on rodent bait, traps, etc. I would, instead, spend money on hiring someone to seal up any entry points in the attic. Insulation and HVAC contractors do that sort of thing if you don't have a capable handyman. You could do it yourself with some c...
by Rupert
Thu Nov 15, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance Claim-Experiences?
Replies: 22
Views: 2046

Re: Homeowners Insurance Claim-Experiences?

I don't think 6 weeks is an unreasonable amount of time, especially right now. Insurance companies are slammed with claims from the Carolinas and Florida (hurricanes) and California (wildfires) at the moment.
by Rupert
Wed Nov 14, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Dumb question about bedding and comforters
Replies: 20
Views: 1704

Re: Dumb question about bedding and comforters

Definitely buy a duvet. It has been my experience that a comforter is never the same after being washed (gets clumpy, as a prior poster noted) and that a commercial washer is often required to do the job. Same with pillows.
by Rupert
Wed Nov 14, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Accuracy of Zillow/Trulia/Redfin Estimates
Replies: 51
Views: 4585

Re: Accuracy of Zillow/Trulia/Redfin Estimates

I think the Zillow et al estimates tend to be better in newer, cookie-cutter neighborhoods than in older neighborhoods where all the houses are of different styles or have been modified over the years. I live in a historic district where the estimates are almost worthless.
by Rupert
Wed Nov 14, 2018 7:38 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Vs. 2019 Rav 4
Replies: 21
Views: 2253

Re: 2019 Subaru Forester Vs. 2019 Rav 4

People have been waiting so long for the new RAV4 that I bet there will be no deals to be had for the first year of production. You'll likely be paying sticker or near sticker if you want one. That said, all Subarus are AWD. If you don't need AWD, why pay the higher maintenance costs of AWD? (The co...
by Rupert
Wed Nov 14, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: Garmins & Fitbits: Worth it for non-athletes?
Replies: 43
Views: 2843

Re: Garmins & Fitbits: Worth it for non-athletes?

I only have to charge my Fitbit once a week, if that's important to you, OP.
by Rupert
Tue Nov 13, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Garmins & Fitbits: Worth it for non-athletes?
Replies: 43
Views: 2843

Re: Garmins & Fitbits: Worth it for non-athletes?

I've been a Fitbit user for years, and I find that it does motivate me to move more. Others may not need that motivation, but I do. Right now I'm wearing a Fitbit Charge HR which tracks steps by day and hour. You can set it to notify you if you haven't taken at least 250 steps over the last hour. It...
by Rupert
Tue Nov 13, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Short-Term Medical Plans
Replies: 3
Views: 221

Re: Short-Term Medical Plans

I think you and your wife are too mature (that's a polite way of saying old :wink: ) and too far away from Medicare eligibility for the short-term plans to be a viable option. You are, unfortunately, at the age where very expensive medical conditions happen fairly commonly (breast cancer, prostate c...
by Rupert
Tue Nov 13, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance- When is it necessary?
Replies: 15
Views: 1295

Re: Flood Insurance- When is it necessary?

If you are not in a FEMA defined flood zone, the odds are that you will not be able to buy flood insurance. I think FEMA subsidizes insurance companies so that they will offer it. If you are seriously considering this (you can search your address on FEMA's website). You can also call your insurer a...
by Rupert
Tue Nov 13, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Feeling uneasy about recent splurge
Replies: 40
Views: 4039

Re: Feeling uneasy about recent splurge

Check out the Mattress Underground. Most mattresses in department stores and mattress chain stores are destined to fail in less than 4 years. Ask me how I know. It all depends upon the construction- in particular, the quality of the foam that they use. I will never buy another mattress again unless...
by Rupert
Tue Nov 13, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: Global Entry Turnaround Time ?
Replies: 28
Views: 2127

Re: Global Entry Turnaround Time ?

Well, maybe I answered a question where "no good deed goes unpunished." The question was have you ever been convicted of a crime, and I stated yes and described it, which was "speeding ticket many years ago." Technically, I didn't bother to search whether it is in fact a crime in our state (you los...
by Rupert
Tue Nov 13, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Applied for biz credit card -- but fine print says only biz transactions allowed?
Replies: 3
Views: 356

Re: Applied for biz credit card -- but fine print says only biz transactions allowed?

It's not illegal, but using the card for personal expenses would appear to violate the contract terms. What does the fine print say will happen if the card issuer discovers that you are using the card for non-business purposes? Here's an example of a possible bad case scenario: You use the card to r...
by Rupert
Mon Nov 12, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance- When is it necessary?
Replies: 15
Views: 1295

Re: Flood Insurance- When is it necessary?

The flood maps don't tell the complete story. As a result, some people need flood insurance even if they don't live in a flood zone. Some questions to ask yourself: When was the last time the flood zone maps were updated in your region? If recently, how political was the process (do yo remember lots...
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: 3671

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: 3671

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: 864

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: 6182

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: 4122

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: 6182

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: 387

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: 6182

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...