Search found 523 matches

by mkc
Mon Apr 19, 2021 11:55 am
Forum: Personal Consumer Issues
Topic: How long does it typically take to get used to a new mattress?
Replies: 20
Views: 812

Re: How long does it typically take to get used to a new mattress?

In our very limited experience, our very pricey Stearns and Foster traditional innerspring king pillowtop set lasted about 18 months before looking like a couple of hammocks and being very uncomfortable. It was on a traditional box spring/frame. The Electropedic all-Talalay latex split king we repla...
by mkc
Mon Apr 19, 2021 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Bad Work Situation - Can I Retire Leave/Retire
Replies: 27
Views: 4554

Re: Bad Work Situation - Can I Retire Leave/Retire

So we are on COBRA from my old employer for now and then will investigate some short term policies that exclude pre-existing conditions but have good networks. I thought some law passed around the time Obamacare came into existence prohibited health insurance companies from taking preexisting condi...
by mkc
Mon Apr 19, 2021 7:29 am
Forum: Personal Finance (Not Investing)
Topic: House in Life Estate Tax Implications (Massachusetts)
Replies: 7
Views: 610

Re: House in Life Estate Tax Implications (Massachusetts)

- deleted response as it did not apply in this situation -
by mkc
Sun Apr 18, 2021 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: House in Life Estate Tax Implications (Massachusetts)
Replies: 7
Views: 610

Re: House in Life Estate Tax Implications (Massachusetts)

I have a question regarding the tax implications of the sale of a home in a life estate in Massachusetts, if anyone is familiar with this issue. My elderly in-laws placed their house in a life estate with their two children on the deed six years ago. They did this in order to preserve the asset val...
by mkc
Sun Apr 18, 2021 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Bad Work Situation - Can I Retire Leave/Retire
Replies: 27
Views: 4554

Re: Bad Work Situation - Can I Retire Leave/Retire

Be sure to investigate the ACA network to understand what is really available. Especially for the next two years when the ACA cliff has been eliminated. For many, pre-Medicare health insurance is much more affordable in 2021 and 2022 (albeit anything past that is unknown). We went from nearly $20K ...
by mkc
Sat Apr 17, 2021 7:35 pm
Forum: Personal Consumer Issues
Topic: Non-Pilling Bed Sheets
Replies: 5
Views: 521

Re: Non-Pilling Bed Sheets

High (>280) thread count, long staple Egyptian cotton. Sateen will be smoother than percale. No wrinkle-free (which tend to have polyester and can pill).
by mkc
Sat Apr 17, 2021 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage - What's the Deal?
Replies: 125
Views: 7731

Re: Medicare Advantage - What's the Deal?

1. With high-deductible G I know the maximum per year and have nationwide acceptance. 2. With MA PPO I have zero monthly cost, so healthy out-of-pocket is the same as A + B but there will be no Part D penalty if I want to go to an A+B+D in the future due to a need for costly drugs. I am leaning tow...
by mkc
Sat Apr 17, 2021 12:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch has a new look
Replies: 101
Views: 8361

Re: Vanguard Portfolio Watch has a new look

There's definitely some erroneous data in the new Portfolio Watch. Asset Mix on the main Portfolio (not Watch) tab is very different than what we see going into Portfolio Watch (and it doesn't match with VG-held assets, so it's not that) Rebalancing a non-VG (but tracked - T.Rowe Price) IRA holding ...
by mkc
Sat Apr 17, 2021 12:34 pm
Forum: Personal Consumer Issues
Topic: Another Tire Question
Replies: 13
Views: 797

Re: Another Tire Question

Big Dog wrote: Sat Apr 17, 2021 12:27 pm suggest that you compare specs on Tire Rack.
^ This ^

Plus you can read feedback from individuals with the same vehicle to see their ratings and preferences.
by mkc
Sat Apr 17, 2021 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Selling a new house with a defective roof - how to proceed?
Replies: 16
Views: 1167

Re: Selling a new house with a defective roof - how to proceed?

On one hand, I have a professional home inspector who has told me the roof has hail damage. On the other, I have a roofer who says he thinks it's a defective product. Neither explanation makes full sense to me. It sounds like blistering, which can look like hail damage but is actually manufacturer'...
by mkc
Sat Apr 17, 2021 8:45 am
Forum: Personal Consumer Issues
Topic: Electric Toothbrush Replacement Recommendations?
Replies: 45
Views: 2804

Re: Electric Toothbrush Replacement Recommendations?

waltman300 wrote: Sat Apr 17, 2021 1:37 am
Does anyone know why so many people recommend and like this one? Its so cheap and there are tons of good reviews on it.


Obviously never heard of this brand before but everyone seem to say its great.
Fails Reviewmeta and Fakespot for suspicious (likely fake) reviews
by mkc
Fri Apr 16, 2021 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Federal E-File rejected due to Duplicate 1099-R
Replies: 46
Views: 3699

Re: Federal E-File rejected due to Duplicate 1099-R

Then - while scrutinizing the tax forms I found TurboTax had been mishandling another issue for several years now that caused a combined Tax overcharge of $2340 (Federal only). I have to send in amended taxes for 2017-2020 to fix it. I haven’t looked yet to see if the state taxes need to be redone,...
by mkc
Wed Apr 14, 2021 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard poor service vs actual errors
Replies: 20
Views: 1936

Re: Vanguard poor service vs actual errors

I spent the month of Feb setting up new accounts at another brokerage and moving all VG accounts there. Lost all confidence in VG. What new brokerage did you use? How much trouble was it to move all your VG accounts there? I would imagine it's not much trouble to move *if* the funds can easily be t...
by mkc
Wed Apr 14, 2021 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Employer covers 90% of Medical Insurance How Does It Work And Worth Getting to 100%?
Replies: 11
Views: 1001

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

I would ask your employee benefits department for clarification these, particularly the post-Medicare. Some employers require the retiree to pay the full Part B, then provide assistance towards the MediGap and Part D plans. Thank you! My employer is very generous if I live in-state they pay for Par...
by mkc
Wed Apr 14, 2021 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard poor service vs actual errors
Replies: 20
Views: 1936

Re: Vanguard poor service vs actual errors

We all know about the poor service at Vanguard. Long wait times and uneducated reps. I can live with that for now because I so rarely have to contact them. How about actual errors, where they give you more or less money than they should in a transfer, exchange, dividend or anything else? I can not ...
by mkc
Tue Apr 13, 2021 11:41 am
Forum: Personal Consumer Issues
Topic: DIY recessed lighting installation?
Replies: 48
Views: 2474

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: 43
Views: 2293

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: Employer covers 90% of Medical Insurance How Does It Work And Worth Getting to 100%?
Replies: 11
Views: 1001

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: 36305

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: 2073

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: 3354

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: 1739

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: 1062

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: 366
Views: 26256

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: 2416

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: 2770

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: 2416

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: 4128

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: 2416

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: 978

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: 161
Views: 18156

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: 243
Views: 22666

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: 366
Views: 26256

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: 243
Views: 22666

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: 415

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: 243
Views: 22666

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: 243
Views: 22666

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: 1340

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: 37
Views: 2123

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: 37
Views: 2123

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: 852

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: 4173

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: 4173

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: 459

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: 2630

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: 243
Views: 22666

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: 1494

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...