Search found 507 matches

by mkc
Tue Apr 13, 2021 11:41 am
Forum: Personal Consumer Issues
Topic: DIY recessed lighting installation?
Replies: 30
Views: 1627

Re: DIY recessed lighting installation?

Strongly recommend thin surface mount (use standard J-box) LED lights over recessed can lights. Can lights basically perf your most important insulation layer.

Don't forget to air-seal.
by mkc
Tue Apr 13, 2021 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Good HSA accounts?
Replies: 34
Views: 1574

Re: Good HSA accounts?

Fidelity, 100%. We transferred DH's HSA from HealthEquity to Fidelity a few months ago as well (mine was opened at Fidelity a few years ago)
by mkc
Mon Apr 12, 2021 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Employee covers 90% of Medical Insurance How Does It Work And Worth Getting to 100%?
Replies: 9
Views: 823

Re: Employee covers 90% of Medical Insurance How Does It Work And Worth Getting to 100%?

So If found out that 90% of my medical insurance cost after retirement is covered by my employer . I'm retiring at 55 so will need 10 years of coverage until medicare kicks in. Pre-medicare: My premium is $350 per month now and my employer pays a further $2000 a month. Therefore when I retire I'll ...
by mkc
Mon Apr 12, 2021 4:51 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 461
Views: 36259

Re: So what are you cooking

Smoking some beer brats on the Recteq and have potato salad chilling in the fridge. Our reward for yard work day.
by mkc
Mon Apr 12, 2021 9:09 am
Forum: Personal Finance (Not Investing)
Topic: House Building vs. Buying in this Market?
Replies: 21
Views: 2035

Re: House Building vs. Buying in this Market?

We live in east-ish TN and are very familiar with the current market. We also built 3 years ago. And we stay on top of our builder's spec homes. Building will cost significantly more per s.f. right now than buying existing. Plus good builders are running 18-24 months out to start builds. Lot prices ...
by mkc
Sun Apr 11, 2021 10:43 am
Forum: Personal Consumer Issues
Topic: Travel Trailer vs My Pickup Truck: Specs?
Replies: 54
Views: 3249

Re: Travel Trailer vs My Pickup Truck: Specs?

OP here. Back story now. I wanted to "dip my toe" into the RV life. An inexpensive option was to buy a small travel trailer and pull it with the truck I now drive. The advice and feedback I received here was invaluable and clear. The scenario will not work. I need a bigger truck or go the...
by mkc
Sat Apr 10, 2021 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Withdrawal Frequency in Retirement
Replies: 22
Views: 1729

Re: Withdrawal Frequency in Retirement

There's a very recent topic asking this exact question. I will try to find and link it.

ETA - here ya go viewtopic.php?f=10&t=344895
by mkc
Sat Apr 10, 2021 8:27 am
Forum: Personal Finance (Not Investing)
Topic: house sale: check or wire?
Replies: 21
Views: 1049

Re: house sale: check or wire?

The closing agent should provide detailed wiring instructions in the disclosure package. That said, we've recently been made aware of a scam where "updated" wiring instructions are sent to buyers just before closing. Scammers are apparently monitoring real estate closings with all the fren...
by mkc
Fri Apr 09, 2021 8:59 am
Forum: Personal Finance (Not Investing)
Topic: [Third stimulus payment - mega-thread]
Replies: 362
Views: 25901

Re: [Third stimulus payment - mega-thread]

EIP1 - Received payment via DD. EIP2 - Received a check in the mail. EIP3 - Haven't received yet, though it was scheduled to have gone out by mail eight days ago. Anybody else in a similar position? We scheduled your payment to be mailed on March 26, 2021 to the address we have on file for you. Yup...
by mkc
Thu Apr 08, 2021 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Why is Gold plan cheaper?
Replies: 22
Views: 2385

Re: Why is Gold plan cheaper?

It's called "silver loading". Basically, since assistance is based off the cost of a silver plan, insurance companies price Cost Sharing Reductions only into the silver plans. https://www.verywellhealth.com/silver-loading-health-insurance-premiums-4174119 The premium credits now apply acr...
by mkc
Thu Apr 08, 2021 4:17 pm
Forum: Personal Consumer Issues
Topic: Smoker recommendations? Meat, not Marlboro.
Replies: 31
Views: 2686

Re: Smoker recommendations? Meat, not Marlboro.

RecTeq RT-700 pellet grill/smoker.

We had a Big Green Egg for over a decade and switched to the RecTeq 2 years ago. Love it!
by mkc
Thu Apr 08, 2021 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Why is Gold plan cheaper?
Replies: 22
Views: 2385

Re: Why is Gold plan cheaper?

It's called "silver loading". Basically, since assistance is based off the cost of a silver plan, insurance companies price Cost Sharing Reductions only into the silver plans. https://www.verywellhealth.com/silver-loading-health-insurance-premiums-4174119 The premium credits now apply acr...
by mkc
Thu Apr 08, 2021 2:05 pm
Forum: Personal Consumer Issues
Topic: How much $$ to get kitchen cabinets painted?
Replies: 42
Views: 4111

Re: How much $$ to get kitchen cabinets painted?

A durable "paint" job on cabinets isn't paint, it's conversion varnish. It looks like paint (and can be done to match a trim paint color), but it's not something an interior painter typically does.
by mkc
Thu Apr 08, 2021 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Why is Gold plan cheaper?
Replies: 22
Views: 2385

Re: Why is Gold plan cheaper?

It's called "silver loading". Basically, since assistance is based off the cost of a silver plan, insurance companies price Cost Sharing Reductions only into the silver plans. https://www.verywellhealth.com/silver-loading-health-insurance-premiums-4174119 The premium credits now apply acro...
by mkc
Wed Apr 07, 2021 10:24 am
Forum: Personal Investments
Topic: Can I make HSA constribution for 2020 without a HDHP-HSA for 2021?
Replies: 17
Views: 950

Re: Can I make HSA constribution for 2020 without a HDHP-HSA for 2021?

dand76 wrote: Wed Apr 07, 2021 10:18 am Can I contribute $5000 into my existing HSA account (Fidelity) now (before April 15, 2021) to lower my taxable income and save my hide?
If you do so, be sure to indicate it's for 2020, not 2021.
by mkc
Tue Apr 06, 2021 9:45 am
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy cliff now going away! Yay!
Replies: 155
Views: 17571

Re: Is anyone signing up for ACA plan due to changes from ARPA?

Did you see this thread? viewtopic.php?t=342274

And yes, we went back into the Marketplace, updated our application, and switched plans because of the changes.
by mkc
Mon Apr 05, 2021 11:11 am
Forum: Personal Consumer Issues
Topic: Thought about buying a small motor home, but the market is crazy; Just bought one!!
Replies: 242
Views: 22447

Re: Thought about buying a small motor home, but the market is crazy; Just bought one!!

One big improvement that can be made is to add Sumo Springs to aid in the handling characteristics which can pretty easily be done DIY in your driveway as long as you’re reasonably handy and don’t mind getting your hands dirty. Hopefully Will sees this comment and considers this mod since it’s well...
by mkc
Mon Apr 05, 2021 8:20 am
Forum: Personal Finance (Not Investing)
Topic: [Third stimulus payment - mega-thread]
Replies: 362
Views: 25901

Re: [Third stimulus payment - mega-thread]

EIP1 - Received payment via DD. EIP2 - Received a check in the mail. EIP3 - Haven't received yet, though it was scheduled to have gone out by mail eight days ago. Anybody else in a similar position? We scheduled your payment to be mailed on March 26, 2021 to the address we have on file for you. Yup...
by mkc
Sun Apr 04, 2021 8:09 pm
Forum: Personal Consumer Issues
Topic: Thought about buying a small motor home, but the market is crazy; Just bought one!!
Replies: 242
Views: 22447

Re: Thought about buying a small motor home, but the market is crazy; Just bought one!!

We have a 2020 LTV Wonder RTB and one of the upgrades I am strongly considering is the addition of Borg Tire Valve Stem Extenders as well as addition of a tire pressure monitoring device to monitor air pressure for the tires. Technically, the Borgs are single piece long metal valve stems, not exten...
by mkc
Sat Apr 03, 2021 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund For Health Insurance In Recession
Replies: 3
Views: 414

Re: Emergency Fund For Health Insurance In Recession

Depending on your state, start at www.healthcare.gov , get to the screen where you can see plans (you don't need to create an account), and put in your details (income, age, zip code). That will tell you what insurance will cost for 2021. If your state has an exchange, Healthcare.gov should tell you...
by mkc
Sat Apr 03, 2021 2:40 pm
Forum: Personal Consumer Issues
Topic: Thought about buying a small motor home, but the market is crazy; Just bought one!!
Replies: 242
Views: 22447

Re: Thought about buying a small motor home, but the market is crazy; Just bought one!!

I was surprised to see that Winnebago didn't include a spare tire on the Trend. I was even more surprised to see that most motorhomes no longer come with spares from the manufacturer. Apparently most of those who are buying them are just going to call someone else to do it for them. For the smaller...
by mkc
Sat Apr 03, 2021 8:01 am
Forum: Personal Consumer Issues
Topic: Thought about buying a small motor home, but the market is crazy; Just bought one!!
Replies: 242
Views: 22447

Re: Thought about buying a small motor home, but the market is crazy; Just bought one!!

How's the DOT date code on the tires? Hopefully fresher than that. One downside with motorhomes is that the tires age out well before the tread is worn. The tires are Vanco Four Seasons by Continental made in the Czech Republic. There is no 4 digit numeric code after DOT, and I've looked high and l...
by mkc
Thu Apr 01, 2021 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Home Inspection Advice
Replies: 41
Views: 1329

Re: Home Inspection Advice

Another example would be oil tanks. The property I mentioned above also used to have oil heat, but was converted to gas at some point. The inspector noted that it saw what used to be an oil line that had been capped (or something along those lines). He suggested that we ask the owners if they have ...
by mkc
Wed Mar 31, 2021 5:32 pm
Forum: Investing - Theory, News & General
Topic: CFP historic returns
Replies: 36
Views: 1900

Re: CFP historic returns

Would think legitimate successful financial planners wouldn't have to resort to postcard solicitations.... The only postcards we ever receive are from local annuity salesmen offering free dinners at a local restaurant... Even Fisher Investments uses big, impressive envelopes for their mailings :wink:
by mkc
Wed Mar 31, 2021 3:29 pm
Forum: Investing - Theory, News & General
Topic: CFP historic returns
Replies: 36
Views: 1900

Re: CFP historic returns

There was a topic within the last couple of months on a similar subject, with the "financial advisor" in question suggesting higher returns with higher investing tiers and lots of red flags just like this one... Trying to find it.
by mkc
Wed Mar 31, 2021 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Problems with ACA Plans Purchased on the Exchange?
Replies: 13
Views: 851

Re: Problems with ACA Plans Purchased on the Exchange?

Insurance companies have multiple networks. If you look at the particulars for your plan, you will see what network you are in. This isn't the name of the insurance company (such as BCBS of Texas), it is a specific network name within BCBS of Texas. So yes, your doctor may not be on the network incl...
by mkc
Tue Mar 30, 2021 8:39 pm
Forum: Personal Consumer Issues
Topic: Mulch from Costco or Lowes
Replies: 41
Views: 4165

Re: Mulch from Costco or Lowes

As someone noted, the mulch can be toxic to dogs, but the chocolate smell dissipates in a few weeks, and shouldn’t be as attractive then. Even though the smell dissipates, the toxicity does not https://www.poison.org/articles/cocoa-bean-mulch-can-poison-dogs#:~:text=Cocoa%20bean%20mulch%20contains%...
by mkc
Tue Mar 30, 2021 8:04 pm
Forum: Personal Consumer Issues
Topic: Mulch from Costco or Lowes
Replies: 41
Views: 4165

Re: Mulch from Costco or Lowes

chw wrote: Tue Mar 30, 2021 7:17 pm Cocoa shell husks work very well, though need to be replaced every year, but seasons to a nice dark brown.
Highly toxic to dogs - best not to use if you or your neighbors have pups who could gain access to the mulch. The smell attracts the dogs.
by mkc
Mon Mar 29, 2021 5:12 pm
Forum: Personal Investments
Topic: Helping out Mom
Replies: 10
Views: 1037

Re: Helping out Mom

Good for you for recommending not letting ML get their claws into that windfall (and profit off it via their AUM fees). Depending on the current investments, much of the current ML holdings might be able to transfer "in kind" to Vanguard. Once in PAS, it would be possible to phase the chan...
by mkc
Sun Mar 28, 2021 9:19 am
Forum: Personal Finance (Not Investing)
Topic: POA questions
Replies: 7
Views: 458

Re: POA questions

As others have stated, it depends on the wording of the POA. The attorney(s) involved in the home sale will also need to review it and, in my experience with 2 different POA situations, the POA may need to be recorded by the county (in one case, that required handing over the original POA document; ...
by mkc
Fri Mar 26, 2021 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Owners Title Ins., purchasing property from Judge
Replies: 43
Views: 2624

Re: Owners Title Ins., purchasing property from Judge

80% of the title will be insured (lenders title insurance), it's just my 20% that would be self-insured. I thought lenders title insurance only protected the lender. Presumably, once the loan is paid off, you will own 100% of the property outright. Wouldn't you need owner's title insurance on 100% ...
by mkc
Wed Mar 24, 2021 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Decision Check HDHP vs PPO
Replies: 12
Views: 871

Re: Decision Check HDHP vs PPO

Do both options included out of network coverage?
by mkc
Sun Mar 21, 2021 7:40 am
Forum: Personal Consumer Issues
Topic: Thought about buying a small motor home, but the market is crazy; Just bought one!!
Replies: 242
Views: 22447

Re: Thought about buying a small motor home, but the market is crazy; Just bought one!!

Lazy Daze Class C's are very high quality (in terms of reliability, durability, safety). Lazy Daze RVs are made in Montclair, CA by the same family business for over 60 years. Not sold through dealerships, but direct from the manufacturer. Indeed they are on all accounts. Plus no slides, ever. The ...
by mkc
Sat Mar 20, 2021 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Starting a new job and unsure which health plan to pick. First time doing this. Any suggestions?
Replies: 30
Views: 1487

Re: Starting a new job and unsure which health plan to pick. First time doing this. Any suggestions?

Hello all, I do not have much information on this stuff yet. I am just watching an onboarding video with the benefit company from 2016. So I don't know prices or anything of the sort. All that it says in the video is the limit I can put in as of 2016. Be aware that the offerings may have changed as...
by mkc
Sat Mar 20, 2021 4:13 pm
Forum: Personal Consumer Issues
Topic: Mat for Dog - Protecting New Hardwood Floors
Replies: 22
Views: 1466

Re: Mat for Dog - Protecting New Hardwood Floors

Do you have the option of having a tile "rug" done at the door? Basically an inset tile area with the wood installed around it. We've done that with 2 homes to keep carpet grime down. The areas at doorways were done as ceramic tile with a decorative tile border so that it looked like a mat...
by mkc
Fri Mar 19, 2021 4:16 pm
Forum: Personal Consumer Issues
Topic: New grill: gas vs. pellet
Replies: 50
Views: 4015

Re: New grill: gas vs. pellet

We have both a pellet grill (Recteq) and a gasser (Capital - set up for natural gas). We use the pellet grill primarily for smoking and half the time for things that we want a bit of a "woodfired" flavor on - fish, chicken. We use the Capital for "regular" grilling - burgers, hot...
by mkc
Fri Mar 19, 2021 4:02 pm
Forum: Personal Consumer Issues
Topic: Resources for Texas domicile questions? Nomads? Full Time RVers?
Replies: 2
Views: 255

Re: Resources for Texas domicile questions? Nomads? Full Time RVers?

While Escapees does "sell a service", I'm thinking you are meaning the mail service, they are an excellent resource for domicile questions and members will provide non-commercial advise about your domicile options, including what's required (South Dakota and Florida are the other two prima...
by mkc
Thu Mar 18, 2021 6:52 pm
Forum: Personal Investments
Topic: PAS financial plan
Replies: 26
Views: 1854

Re: PAS financial plan

PAS said that since Wellington is 60/40 stocks to bonds and wellesley is 40/60 bonds to stocks, the opposing percentages cancel the usefulness of either fund in a portfolio even though each fund is in a different account. This has succeeded in convincing me (it didn't take much) that I shouldn't wa...
by mkc
Wed Mar 17, 2021 4:39 pm
Forum: Personal Consumer Issues
Topic: Thought about buying a small motor home, but the market is crazy; Just bought one!!
Replies: 242
Views: 22447

Re: Thought about buying a small motor home, but the market is crazy; Just bought one!!

I had to replace the 'house' batteries, which were six years old How's the DOT date code on the tires? Hopefully fresher than that. One downside with motorhomes is that the tires age out well before the tread is worn. The tires are Vanco Four Seasons by Continental made in the Czech Republic. There...
by mkc
Wed Mar 17, 2021 3:27 pm
Forum: Personal Consumer Issues
Topic: Thought about buying a small motor home, but the market is crazy; Just bought one!!
Replies: 242
Views: 22447

Re: Thought about buying a small motor home, but the market is crazy; Just bought one!!

willthrill81 wrote: Wed Mar 17, 2021 3:19 pm
I had to replace the 'house' batteries, which were six years old
How's the DOT date code on the tires? Hopefully fresher than that. One downside with motorhomes is that the tires age out well before the tread is worn.
by mkc
Wed Mar 17, 2021 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too
Replies: 211
Views: 12254

Re: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too

Those of us who watch Battlebots are very familiar with WPI (and their rivalry with MIT). :D Some of the engineering-focused schools aren't as well known as the big universities (like Purdue). Thinking RPI, NJIT, Stevens Institute of Technology, Clarkson, etc. I attended one of the focused schools t...
by mkc
Tue Mar 16, 2021 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Work from Home - Most Tax Friendly States (Not Cost of Living)
Replies: 76
Views: 5971

Re: Work from Home - Most Tax Friendly States (Not Cost of Living)

TN, in particular areas that aren't immediately metro, has a woefully inadequate broadband infrastructure to support WFH. It's a significant issue in our county, which straddles I-40 between Nashville and Knoxville. The vast majority of the county has DSL or nothing for landline Internet access. Thi...
by mkc
Tue Mar 16, 2021 4:06 pm
Forum: Personal Consumer Issues
Topic: Parking RV In Driveway
Replies: 60
Views: 4589

Re: Parking RV In Driveway

What does the RV weigh, and how many axles does it have. Typical large cars and SUVs are about 2000 to 2500 lb per axle. Trailers can be 3000lb per axle, although some weight is on the hitch. I'd definitely put something under the hitch foot to spread out the weight. A giant class A motorhome could...
by mkc
Tue Mar 16, 2021 1:47 pm
Forum: Personal Consumer Issues
Topic: Parking RV In Driveway
Replies: 60
Views: 4589

Re: Parking RV In Driveway

If you are talking motorhome and large, then no, most residential driveways are not designed/built to handle the weight. Trailers don't have the engine/transmission weight and are generally lighter (for the same size) as a motorhome. With either a fifth wheel or motorhome, you'll need to take into c...
by mkc
Sun Mar 14, 2021 5:54 pm
Forum: Personal Consumer Issues
Topic: New Fridge
Replies: 22
Views: 1363

Re: New Fridge

Bogle7 wrote: Sun Mar 14, 2021 5:19 pm You need to have the EXACT dimensions (to nearest 1/8 inch) of your niche.
And you have to make note of mfr-required side, top, and rear clearances. Fridges need space for airflow around them for removal of heat.
by mkc
Sun Mar 14, 2021 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy cliff now going away! Yay!
Replies: 155
Views: 17571

Re: ACA subsidy cliff now going away! Yay!

1) SLCSP for us is $33163 2) Let's say our MAGI is $90k - Our required contribution is $7650 3) So, this fixes our tax credit to $22513 (roughly $2126/month) The Bronze plans range from $1355-1668/month. We are on the lowest cost one with a $17100 deductible. With the tax credit, our premium cost w...
by mkc
Sat Mar 13, 2021 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy cliff now going away! Yay!
Replies: 155
Views: 17571

Re: ACA subsidy cliff now going away! Yay!

1) SLCSP for us is $33163 2) Let's say our MAGI is $90k - Our required contribution is $7650 3) So, this fixes our tax credit to $22513 (roughly $2126/month) The Bronze plans range from $1355-1668/month. We are on the lowest cost one with a $17100 deductible. With the tax credit, our premium cost w...
by mkc
Sat Mar 13, 2021 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy cliff now going away! Yay!
Replies: 155
Views: 17571

Re: ACA subsidy cliff now going away! Yay!

1) SLCSP for us is $33163 2) Let's say our MAGI is $90k - Our required contribution is $7650 3) So, this fixes our tax credit to $22513 (roughly $2126/month) The Bronze plans range from $1355-1668/month. We are on the lowest cost one with a $17100 deductible. With the tax credit, our premium cost w...
by mkc
Sat Mar 13, 2021 10:39 am
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy cliff now going away! Yay!
Replies: 155
Views: 17571

Re: ACA subsidy cliff now going away! Yay!

The federal web site is definitely set up for the open enrollment period (now thru May 15). Not sure about other states. This is independent of the April 1 start for re-doing application to get increased tax credit. It is not clear to me that it is a no brainer to switch to a silver plan. While the...
by mkc
Fri Mar 12, 2021 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy cliff now going away! Yay!
Replies: 155
Views: 17571

Re: ACA subsidy cliff now going away! Yay!

Your post was a little confusing. If I understand it correctly, you are already on an ACA plan and already getting some advance tax credits (subsidies). Is that correct? There is no need to change plans, but you can if you want during the open enrollment period. Either way, if you update your appli...