Search found 3532 matches

by Rupert
Thu Sep 06, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 4657

Re: To Be or Not to Be...Married

Marriage definitely benefits men. Married men live longer and tend to have more successful careers than their unmarried peers. Unfortunately, the opposite is true for women. So I'm actually having a hard time coming up with a good argument to convince OP to get married. Love and companionship, I gue...
by Rupert
Wed Sep 05, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: How to tell which vent is dryer vent?
Replies: 40
Views: 1665

Re: How to tell which vent is dryer vent?

I think some houses have bathroom vent fans exiting the house through a dryer vent-looking baffle +1. My master bathroom fan has one of these. The fan is mounted to the exterior bathroom wall, as opposed to the ceiling, and vents straight through the wall, as opposed to through the attic and roof. ...
by Rupert
Wed Sep 05, 2018 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Roth help
Replies: 2
Views: 351

Re: Vanguard Roth help

How have you invested your 403b funds? That information will help people advise you as to which fund or funds would be appropriate for your Roth. The Roth $5500 annual contribution limit is separate from your 403b $18,500 annual contribution limit, so no worries there.
by Rupert
Tue Sep 04, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: When do you drop collision insurance?
Replies: 52
Views: 2868

Re: When do you drop collision insurance?

Like a couple of previous posters, I too am skeptical of any so-called rules of thumb in this context. There are two primary reasons why you might want to maintain collision even on an old car that isn't worth much that you should at least consider before dropping collision coverage. First, as a pri...
by Rupert
Tue Sep 04, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Blogs,resources, or tips for busy professional parents?
Replies: 12
Views: 821

Re: Blogs,resources, or tips for busy professional parents?

There's no such resource that I'm aware of. What worked for us was to lower our expectations (stop looking at Pinterest!) and to hire help when necessary. A housekeeper to do the heavy cleaning a couple of times a month made a huge difference. As for meals, we subscribed to a meal service (Hello Fre...
by Rupert
Mon Sep 03, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: How do I get rid of big project t.v.?
Replies: 21
Views: 1083

Re: How do I get rid of big project t.v.?

In my city, you have two options for recycling old televisions: (1) a city-sponsored electronic recycling event once a year or (2) the United Cerebral Palsy Society which accepts electronics for recycling all year long. But neither of those two options accepts tube televisions for recycling. Those y...
by Rupert
Sun Sep 02, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Lime wash vs Mortar wash (german schmear), experience anyone?
Replies: 2
Views: 436

Re: Lime wash vs Mortar wash (german schmear), experience anyone?

I don't know much about lime wash, but I know two things about mortar wash: (1) a poor brick mason will really screw it up and (2) a good brick mason will charge you a fortune for it. Under no circumstances should you paint the brick. Personally, I would leave the brick alone and spend the money on ...
by Rupert
Sun Sep 02, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Question for minor car accident (other side clearly at fault)
Replies: 11
Views: 1142

Re: Insurance Question for minor car accident (other side clearly at fault)

Many insurance companies will waive your collision deductible when it's clear that the other party is not going to contest fault. You should ask your insurance company if that's their practice.
by Rupert
Sun Sep 02, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: 1st time dad, OK to use willmaker software?
Replies: 37
Views: 3223

Re: 1st time dad, OK to use willmaker software?

Minor children can't inherit money or houses directly. There must be a trust. It's unavoidable. According to WillMaker Pro software, a trust for a minor child is not unavoidable. They say that the UGMA can be used until the child is 25, at least that is what they say for PA. Of course, a custodian ...
by Rupert
Sat Sep 01, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Do you take advantage of all identity monitoring offers?
Replies: 20
Views: 1102

Re: Do you take advantage of all identity monitoring offers?

I don't think a credit monitoring service is needed after you have frozen your credit. Just check your credit reports a few times a year via annualcreditreport.com.
by Rupert
Sat Sep 01, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Last Will and testament involving very young children and 7 figure estate. What have you done?
Replies: 15
Views: 2078

Re: Last Will and testament involving very young children and 7 figure estate. What have you done?

An often-overlooked benefit to using an attorney for your estate-planning is that is gives your executor/guardian somewhere to turn should the worst happen. In other words, if you and your spouse both die, your executor/guardian is going to need a lawyer to help them with the probate/guardianship pr...
by Rupert
Sat Sep 01, 2018 7:45 am
Forum: Personal Finance (Not Investing)
Topic: 1st time dad, OK to use willmaker software?
Replies: 37
Views: 3223

Re: 1st time dad, OK to use willmaker software?

Thanks everyone for the help. ---------------------------------------------------------------------------------------------- I’m surprised that a will and trust would only be couple of hundred dollars? I live in Nassau County, New York, anyone have any recommendations for estate attorneys? --------...
by Rupert
Fri Aug 31, 2018 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Suddenly disabled but need to invest
Replies: 17
Views: 1851

Re: Suddenly disabled but need to invest

If you don't have an existing emergency fund, hold some of the $500,000 in a savings or money-market account and invest the rest in an appropriate lifecycle fund. At Vanguard, for example, the Prime Money Market Fund and either the LifeStrategy Income Fund or the LifeStrategy Conservative Growth Fun...
by Rupert
Fri Aug 31, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: US Health vs BCBS -- any experience?
Replies: 10
Views: 492

Re: US Health vs BCBS -- any experience?

No experience with US Health, but my concern would be that any non-ACA compliant plan would have annual and/or lifetime maximum benefits and would not cover pre-existing conditions. Before the ACA, insurance companies were notorious for examining the medical records of insureds with a microscope for...
by Rupert
Fri Aug 31, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Emergency fund size
Replies: 72
Views: 6351

Re: Emergency fund size

Great question, and I expect you'll continue to get a lot of "it depends on x, it depends on y, etc.". Here's what we do. For context, my wife and I work full time and live in a HCOL area. I would say my job is "medium" stability and her's is "high" based on my subjective judgment. My thinking on t...
by Rupert
Fri Aug 31, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Emergency fund size
Replies: 72
Views: 6351

Re: Emergency fund size

Depends on circumstances, e.g., how stable is your job? in your field, how long would it probably take to find a new job? do you have a spouse who works and could cover expenses and provide benefits (esp. health insurance) during your unemployment? etc. A good rule of thumb for most people, I think,...
by Rupert
Fri Aug 31, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: 1st time dad, OK to use willmaker software?
Replies: 37
Views: 3223

Re: 1st time dad, OK to use willmaker software?

An often-overlooked benefit to using an attorney for your estate-planning is that is gives your executor/guardian somewhere to turn should the worst happen. In other words, if you and your spouse both die, your executor/guardian is going to have to find a lawyer to help them with the probate process...
by Rupert
Fri Aug 31, 2018 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Term life insurance: now or workout first
Replies: 23
Views: 2322

Re: Term life insurance: now or workout first

If you need the insurance now, and it sounds like you do, then buy it now. You may get healthier in the next year, or you may get unhealthier. Be realistic about that. And get healthy for yourself and for your children, not for an insurance company.
by Rupert
Thu Aug 30, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Piano for a child
Replies: 60
Views: 3102

Re: Piano for a child

Just to be clear: A keyboard and a digital piano are not the same thing. Digital pianos have 88 keys, usually weighted, just like a real piano.
by Rupert
Thu Aug 30, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: How do you store financial account information with your estate plan?
Replies: 51
Views: 3219

Re: How do you store financial account information with your estate plan?

Note that safe deposit boxes are not sealed after death in every state. In some states, a joint lessee still has access to the box after the death. It's important to research your own state's law.
by Rupert
Thu Aug 30, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Piano for a child
Replies: 60
Views: 3102

Re: Piano for a child

Go digital to start. This one at Amazon will suit your needs for at least a few years (probably longer given your child's age, unless she is a prodigy): https://www.amazon.com/Yamaha-Weighted-Digital-Sustain-Amazon-Exclusive/dp/B01LY8OUQW/ref=sr_1_3?ie=UTF8&qid=1535655569&sr=8-3&keywords=yamaha+dig...
by Rupert
Thu Aug 30, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Piano for a child
Replies: 60
Views: 3102

Re: Piano for a child

Go digital to start. This one at Amazon will suit your needs for at least a few years (probably longer given your child's age, unless she is a prodigy): https://www.amazon.com/Yamaha-Weighted-Digital-Sustain-Amazon-Exclusive/dp/B01LY8OUQW/ref=sr_1_3?ie=UTF8&qid=1535655569&sr=8-3&keywords=yamaha+digi...
by Rupert
Thu Aug 30, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Mother-in-law moves in...should she pay for extra household costs?
Replies: 10
Views: 1079

Re: Mother-in-law moves in...should she pay for extra household costs?

The husband may be right about the nickel and diming, but you're right that there are relationship issues here that need to be addressed by everyone involved, including your husband's siblings. Your husband can't just move a person into your house without your consent, even if the person is his moth...
by Rupert
Wed Aug 29, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: Bone in my food
Replies: 107
Views: 4084

Re: Bone in my food

Is there any concrete evidence that properly refrigerated cooked meat is bad on day 5? I think most guides from places like the FDA tend to be overly conservative with a lot of error margin built into the guidelines. Same with expiration dates. Even conservatively, let's took at how many times we h...
by Rupert
Wed Aug 29, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Bone in my food
Replies: 107
Views: 4084

Re: Bone in my food

I suspect that different folks can often eat the same food (that can cause food poisoning) and not all will get sick. Yes, yes. People whose immune systems are compromised for whatever reason will get sicker than others. I know of two people who ate the same smoked salmon. One had gastroenteritis f...
by Rupert
Wed Aug 29, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: Bone in my food
Replies: 107
Views: 4084

Re: Bone in my food

Is there any concrete evidence that properly refrigerated cooked meat is bad on day 5? I think most guides from places like the FDA tend to be overly conservative with a lot of error margin built into the guidelines. Same with expiration dates. Even conservatively, let's took at how many times we h...
by Rupert
Wed Aug 29, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: how to find 401k fees
Replies: 13
Views: 1178

Re: how to find 401k fees

Tell us who your providers are and someone here can probably tell you whether there are fees. But note that there aren't always fees in addition to the fund expense ratios. Some employers pay the admin fees for their employees, i.e., don't pass them through.
by Rupert
Wed Aug 29, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Rollover Question: tIRA to 403b
Replies: 9
Views: 310

Re: Rollover Question: tIRA to 403b

Just to be sure: are both of your current trad IRAs only having deductible contributions? Is there anyway to check this through vanguard or fidelity? I am almost sure the money in the fidelity tIRA and vanguard tIRA is all pre-tax money, but some of it was deposited a long time ago so I'm not 100% ...
by Rupert
Wed Aug 29, 2018 6:41 am
Forum: Investing - Help with Personal Investments
Topic: Rollover Question: tIRA to 403b
Replies: 9
Views: 310

Re: Rollover Question: tIRA to 403b

I currently have a traditional IRA in both Vanguard and Fidelity. I would like to rollover both into my Fidelity 403b (which has good investment options). This way, I would be able to do a backdoor Roth, which I anticipate needing to do in the future. Can both rollovers be done in the same year? An...
by Rupert
Tue Aug 28, 2018 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: thinking of paying off mortgage pls help
Replies: 52
Views: 3085

Re: thinking of paying off mortgage pls help

But, where is she going to find money to fund 4 college educations? KlangFool The 180K already saved for college plus either the 800K life insurance proceeds or the 775K in the Fidelity taxable account? In addition to all that, she has a healthy inherited 401K & IRA for her own retirement plus a ni...
by Rupert
Tue Aug 28, 2018 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: thinking of paying off mortgage pls help
Replies: 52
Views: 3085

Re: thinking of paying off mortgage pls help

So you have 800K in cash (life insurance proceeds) in addition to these funds you've listed? If so, then, yes, I think you should just pay off the 195K mortgage. The interest rate is relatively high, and paying it off is the simplest thing to do. It eliminates one variable from your somewhat complic...
by Rupert
Tue Aug 28, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: 403b question
Replies: 1
Views: 159

Re: 403b question

Your options for an old employer-sponsored 401k or 403b account are: (1) roll it into a new employer-sponsored account; (2) roll it into a different old employer-sponsored account (rare -- most plans won't allow this); (3) leave it where it is; and (4) roll it into a rollover traditional IRA (tIRA) ...
by Rupert
Tue Aug 28, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Protecting myself against suit for Personal Injury
Replies: 19
Views: 2632

Re: Protecting myself against suit for Personal Injury

Have you talked to State Farm? You should do that first. I believe they may be on the hook if your old umbrella policy was in force at the time of the accident, and they may provide you with legal representation in addition to what Geico is providing. As for what sort of local lawyer to look for sho...
by Rupert
Tue Aug 28, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Summer Day A/C Issues
Replies: 41
Views: 2195

Re: Summer Day A/C Issues

Are you presently turning the AC off or up really high when you go to work? If so, stop doing that, as it may be part of the problem. I live in a very hot humid region (Gulf Coast) and have my thermostat set on 80 degrees during the day when I'm at work. Any higher than that and the AC can't cool th...
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: 7503

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: 2229

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: 3056

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: 3144

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: 3144

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: 3056

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: 2580

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: 537

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: 1517

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: 1448

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: 2123

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: 1141

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: 4143

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: 4143

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: 4143

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: 5411

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.