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Re: Industrial stainless steel coffee maker

4nursebee wrote:OMG, is there melted plastic in my coffee?


I am sure there is in most of our coffee but it will take many years to kill us.
by rec7
Thu Nov 27, 2014 9:28 am
 
Forum: Personal Consumer Issues
Topic: Industrial stainless steel coffee maker
Replies: 18
Views: 1400

Re: How do I find a part of an old car?

Try a dodge dealer a few years ago I could still buy parts for my 1992 dodge.
by rec7
Tue Nov 25, 2014 4:56 pm
 
Forum: Personal Consumer Issues
Topic: How do I find a part for an old car?
Replies: 7
Views: 451

Re: Favorite nonfiction books

The Bible Is this the only "non-fiction" you read? I have read many other non-fiction books but The Bible is my favorite. I have read most of these but the Bible is number one for me. Investor's Manifesto The Millionaire in You The Wall Street Journal Guide to Planning Your Financial Futu...
by rec7
Tue Nov 25, 2014 1:10 pm
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 66
Views: 3179

Re: Favorite nonfiction books

The Bible
by rec7
Tue Nov 25, 2014 10:41 am
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 66
Views: 3179

Re: My Health care monthly premiums doubled after ACA

Funny you say that because the new plan is from BCBS.
by rec7
Mon Nov 24, 2014 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: My Health care monthly premiums doubled after ACA
Replies: 46
Views: 3227

Re: My Health care monthly premiums doubled after ACA

tfb wrote:
rec7 wrote:It went from $115 to $205 not quiet a double. My income is under 12k so no subsidy.

You can easily create some income by converting some pre-tax money to Roth. If you bump your income up just a little bit you will also get a lower deductible and co-pay.


If I had some pre-tax money. LOL
by rec7
Sun Nov 23, 2014 6:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Health care monthly premiums doubled after ACA
Replies: 46
Views: 3227

Re: My Health care monthly premiums doubled after ACA

My Health care monthly premiums doubled after ACA. Did any of you have that happen to you. I am kind of shocked I thought it would go up but not like that. I just got a letter that my old insurance is letting me go. I think my old plan does not met the ACA standards. I am confused. Did your rate do...
by rec7
Sun Nov 23, 2014 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Health care monthly premiums doubled after ACA
Replies: 46
Views: 3227

Re: Do you use a phone book?

Yes several times a year. But they were sending five books a year I picked they best one and told them not to send the other fours. I am happy now. I always found that a little strange how out of date can a phone book get in only one year? I think a book could be used for two to three years.
by rec7
Sun Nov 23, 2014 6:40 pm
 
Forum: Personal Consumer Issues
Topic: Do you use a phone book?
Replies: 51
Views: 2094

Re: My Health care monthly premiums doubled after ACA

Rec7, unless your governor refused to allow it, you should be covered by state Mericaid. That's why people below a certain salary aren't eligible for ACA primaries, because they're eligible for Medicaid. The problem comes if your state is one that refused to extend the program under the ACA. Missou...
by rec7
Sun Nov 23, 2014 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Health care monthly premiums doubled after ACA
Replies: 46
Views: 3227

Re: Bogleheads, tell me about your 40's?

In your 40's when you smile at pretty young ladies they just laugh.
by rec7
Sun Nov 23, 2014 2:37 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 103
Views: 14083

Re: My Health care monthly premiums doubled after ACA

It went from $115 to $205 not quiet a double. My income is under 12k so no subsidy. My old insurance was like the catastrophic plan that is offered now. The coverage was close in both plans but I need to come up with $1600 more for the deductible.
by rec7
Sun Nov 23, 2014 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Health care monthly premiums doubled after ACA
Replies: 46
Views: 3227

My Health care monthly premiums doubled after ACA

My Health care monthly premiums doubled after ACA. Did any of you have that happen to you. I am kind of shocked I thought it would go up but not like that. I just got a letter that my old insurance is letting me go. I think my old plan does not met the ACA standards.
by rec7
Sun Nov 23, 2014 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Health care monthly premiums doubled after ACA
Replies: 46
Views: 3227

Re: Affordable funeral options in new jersey

http://www.funerals.org/affiliates-directory#NJ You will have to dig on the net some but this will save them a lot of money. Look for something like this http://fcaprinceton.org/wp-content/uploads/2014/09/Immediate-Burial-Prices-2013.pdf I don't know about which city you are near so you will have to...
by rec7
Sat Nov 22, 2014 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affordable funeral options in new jersey
Replies: 2
Views: 312

Re: Is investing more risky today today than before the inte

I would guess more risky because people can sell so easy.
by rec7
Mon Nov 17, 2014 5:14 pm
 
Forum: Investing - Theory, News & General
Topic: Is investing more risky today today than before the internet
Replies: 30
Views: 2829

Re: Investing in Chocolate? New to all of this.. need help.

Forget about Chocolate other than in your hot chocolate or latte. Only sip your chocolate investments like me.
by rec7
Mon Nov 17, 2014 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Chocolate? New to all of this.. need help.
Replies: 23
Views: 2416

Re: What Book Are You Currently Reading? Part VI

The Holy Bible I read four chapter a day that is reading the whole Bible with many days to spare each year. Of course when I finish I just start over in Genesis. I do this each year. Since I started three years ago I have lost interest in reading other books.
by rec7
Sun Nov 16, 2014 5:25 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 181
Views: 17804

Re: Food Frugality: Where do you draw the line?

jlawrence01 wrote:^^^^

In Amish areas, there are a good number of surplus grocers that sell organics for a fraction of the mega-supermarket chains.



Anyone know of a surplus grocer in an Amish area of Missouri?
by rec7
Thu Nov 13, 2014 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 6626

Re: Investing Advice on the Radio - Wish they would go away

Turn your wife on to Clark Howard.
by rec7
Thu Nov 13, 2014 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investing Advice on the Radio - Wish they would go away
Replies: 19
Views: 1746

Re: Good books about Warren Buffett?

This thread will be actionable when I order the book from the library.
by rec7
Wed Nov 12, 2014 1:52 pm
 
Forum: Investing - Theory, News & General
Topic: Good books about Warren Buffett?
Replies: 18
Views: 955

Re: Local bank without any checking account fees?

My friend it sounds like you are looking for a good local credit union. http://creditunionaccess.com/TX-Houston ... unions.htm

I would call some of the larger ones I am sure they can help you.
by rec7
Mon Nov 10, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Local bank without any checking account fees?
Replies: 31
Views: 2390

Re: Brother involved with golddigger

An Immediate annuity might be the answer for him. That would help some with a golddigger. At least she would not be able to get to a big pile of money all at once.
by rec7
Sun Nov 09, 2014 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Brother involved with golddigger
Replies: 37
Views: 8297

Re: When do you buy a new home computer?

This is my longest running desktop a dell running 7 years. Tomorrow I am taking my Dell desktop that I bought in 2000 to the electronics recycler. I decommissioned it in the spring when XP went off support. I probably could have run it longer with Linux but the video card didn't work (second one th...
by rec7
Fri Nov 07, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 4212

Re: When do you buy a new home computer?

This is my longest running desktop a dell running 7 years.
by rec7
Fri Nov 07, 2014 4:27 pm
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 4212

Re: Uber Car and the real cost of driving

Do the Uber drivers compete on price with each other? I have not used uber.
by rec7
Fri Nov 07, 2014 12:15 pm
 
Forum: Personal Consumer Issues
Topic: Uber Car and the real cost of driving
Replies: 32
Views: 2811

Re: Uber Car and the real cost of driving

Can you use an old car and be a uber driver? I am guessing insurance would be expensive.
by rec7
Fri Nov 07, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: Uber Car and the real cost of driving
Replies: 32
Views: 2811

Re: Oil change costs--dealer vs other

A local shop does it for $20-$22 The last time I bought the filter and they did it for $18
by rec7
Fri Nov 07, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: Oil change costs--dealer vs other
Replies: 35
Views: 2351

Re: Sitting on the fence to retire...

Looks good but I was not able to enter stock and bond % maybe it is not working right now. try making the page wider, and refresh or run one sim and get the error -- the boxes have numbers in them but they are too narrow in my default broswer width, but get wider afterwards. That's the correct answ...
by rec7
Thu Nov 06, 2014 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sitting on the fence to retire...
Replies: 21
Views: 2007

Re: Sitting on the fence to retire...

zaboomafoozarg wrote:
HoosierJim wrote:Run some scenerios yourself at Firecalc


Or cfiresim.com - I find that one is easier to view and edit, because it puts everything on a single page.


Looks good but I was not able to enter stock and bond % maybe it is not working right now.
by rec7
Thu Nov 06, 2014 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Sitting on the fence to retire...
Replies: 21
Views: 2007

Re: Planning to Retire at 55

tainted-meat wrote:Man, I could live high on the hog with that pension alone. Nice!


So true I could live good on that with no other money. Pensions are great if you are lucky enough to have one.
by rec7
Thu Nov 06, 2014 10:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Planning to Retire at 55
Replies: 22
Views: 3443

Re: What do you set your thermostat to (in F)?

Gill wrote:At the moment, it is completely off - no heat and no air conditioning.
Gill


That is my favorite time of the year but here in Missouri that is about 3 months total a year. 1.5 months each in the spring and fall.
by rec7
Tue Nov 04, 2014 8:13 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4473

Re: What do you set your thermostat to (in F)?

65 feel good to us.
by rec7
Tue Nov 04, 2014 1:36 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4473

Re: Very few kids in our neighborhood-Thoughts?

No kids in our neighborhood when we moved in but 25 years later I know where 7 live. Neighborhoods do this as they age. We moved into a neighborhood that was 28 years old at the time.
by rec7
Tue Nov 04, 2014 1:31 pm
 
Forum: Personal Consumer Issues
Topic: Very few kids in our neighborhood-Thoughts?
Replies: 29
Views: 3249

Re: Homeowners Policy Increased 26% in 2 Years

It would be a blessing not to buy insurance. Maybe if a person had a cheap house they could only buy car insurance.
by rec7
Tue Nov 04, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Homeowners Policy Increased 26% in 2 Years
Replies: 29
Views: 2584

Re: Would you invest in taxable active funds if you had no i

This fund does very well in bears and that might be worth more to me. Of course it does since it is a balanced fund. M* reports it is 23% cash, 13% bonds. One could find an index fund with similar asset allocation or one could build their own index fund portfolio with a similar asset allocation. It...
by rec7
Sat Nov 01, 2014 6:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you invest in taxable active funds if you had no incom
Replies: 15
Views: 930

Re: Would you invest in taxable active funds if you had no i

This fund does very well in bears and that might be worth more to me. Of course it does since it is a balanced fund. M* reports it is 23% cash, 13% bonds. One could find an index fund with similar asset allocation or one could build their own index fund portfolio with a similar asset allocation. It...
by rec7
Sat Nov 01, 2014 6:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you invest in taxable active funds if you had no incom
Replies: 15
Views: 930

Re: Would you invest in taxable active funds if you had no i

This fund does very well in bears and that might be worth more to me.
by rec7
Sat Nov 01, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you invest in taxable active funds if you had no incom
Replies: 15
Views: 930

Would you invest in taxable active funds if you had no incom

Would you invest in taxable active funds(not index funds) if you had no income and a ten years living expenses in bucket one? This would put me at the point of almost no taxes or very low taxes.
by rec7
Sat Nov 01, 2014 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you invest in taxable active funds if you had no incom
Replies: 15
Views: 930

Re: When Capital gains are paid out on a fund does the share

Thanks everyone for helping me understand. There are a couple of non index funds I like but this point drives me crazy about them. You can get big tax bill and nothing to show for it. Also they might no have capital gains for several years then have a huge gain one year causing you to have a big ta...
by rec7
Sat Nov 01, 2014 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: When Capital gains are paid out on a fund does the share
Replies: 18
Views: 1181

Re: When Capital gains are paid out on a fund does the share

What I love about index funds is you control your taxes that is not true with active managed funds.
by rec7
Fri Oct 31, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: When Capital gains are paid out on a fund does the share
Replies: 18
Views: 1181

Re: Homeowners Policy Increased 26% in 2 Years

It does strike me, too, that insurance pricing is getting more and more like cable/satellite pricing. That is, when you call and threaten to cancel, they "magically" find some way to shave a couple hundred off your bill. The last time I called State Farm, they "discovered" that ...
by rec7
Fri Oct 31, 2014 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Homeowners Policy Increased 26% in 2 Years
Replies: 29
Views: 2584

Re: When Capital gains are paid out on a fund does the share

I have a very low income but these funds can still cause me to have a large tax bill. I thought I would be in good shape with my low income but that only protected me so much.
by rec7
Fri Oct 31, 2014 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: When Capital gains are paid out on a fund does the share
Replies: 18
Views: 1181

Re: When Capital gains are paid out on a fund does the share

placeholder wrote:Just to clarify we're talking about capital gains distributions not realized gains from share value appreciation.


Yes it is a capital gains distribution.
by rec7
Fri Oct 31, 2014 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: When Capital gains are paid out on a fund does the share
Replies: 18
Views: 1181

Re: When Capital gains are paid out on a fund does the share

Thanks everyone for helping me understand. There are a couple of non index funds I like but this point drives me crazy about them. You can get big tax bill and nothing to show for it. Also they might no have capital gains for several years then have a huge gain one year causing you to have a big tax...
by rec7
Fri Oct 31, 2014 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: When Capital gains are paid out on a fund does the share
Replies: 18
Views: 1181

Re: When Capital gains are paid out on a fund does the share

So if I had a fund that had a 60k capital gain in one year I would have a tax bill but no more money in the fund.
by rec7
Fri Oct 31, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: When Capital gains are paid out on a fund does the share
Replies: 18
Views: 1181

When Capital gains are paid out on a fund does the share

When Capital gains are paid out on a fund does the share price drop?
by rec7
Fri Oct 31, 2014 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: When Capital gains are paid out on a fund does the share
Replies: 18
Views: 1181

Re: Family Car Insurance Review Requested

It is hard to go on a message board to determine whether the rates seem reasonable since MOST auto insurance is based on the specific area codes. I would NOT recommend GEICO as the three times I have sought quotes, I have experienced the "hard sell.". That is not a good way to purchase a ...
by rec7
Wed Oct 29, 2014 12:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family Car Insurance Review Requested
Replies: 20
Views: 1022

Re: Family Car Insurance Review Requested

Call Geico I think you will be shocked. Please update us if you do. They were 25% less for me.
by rec7
Tue Oct 28, 2014 4:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family Car Insurance Review Requested
Replies: 20
Views: 1022
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