Search found 61 matches

by Gryphon
Sun May 27, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: electrical outlet dead; fuse not tripped
Replies: 23
Views: 1576

Re: electrical outlet dead; fuse not tripped

go_mets wrote:
Sun May 27, 2018 6:04 pm
But there was a major rain storm last night.
Maybe that is what tripped the GFCI.
It's possible. The GFCI on my outside outlets tripped the last time I had the house power washed. I replaced the covers over the two outlets - they were original to the house & over 2 decades old.
by Gryphon
Sun May 27, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: electrical outlet dead; fuse not tripped
Replies: 23
Views: 1576

Re: electrical outlet dead; fuse not tripped

If all the outlets on that circuit are dead, and those outlets are the only thing on that circuit, and none of the outlets are GFCI, then I would suspect the breaker has failed in some way. If you have a volt meter or voltage tester, you could check where the wiring connects to the breaker to verify...
by Gryphon
Fri May 11, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Aftertax 401K rollover to Roth IRA
Replies: 10
Views: 1199

Re: Aftertax 401K rollover to Roth IRA

Will the aftertax 1099-R segregate aftertax contribution and earnings values? When I did this I received two 1099-R forms - one for the money that went to the traditional IRA (which included the after-tax earnings), and one for the money that went to the Roth IRA (the after-tax contributions). The ...
by Gryphon
Fri May 11, 2018 12:36 am
Forum: Personal Finance (Not Investing)
Topic: Do you lose COBRA when offered new insurance?
Replies: 8
Views: 792

Re: Do you lose COBRA when offered new insurance?

I suppose you could (at least the way I read it), but you need to think about the future. For most folks, COBRA coverage only lasts 18 months. What are you going to do when it ends? Will your new employer let you join their health insurance at that point, so you don't have a gap in coverage? Or will...
by Gryphon
Fri May 11, 2018 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Do you lose COBRA when offered new insurance?
Replies: 8
Views: 792

Re: Do you lose COBRA when offered new insurance?

From the DOL's COBRA FAQ : Q12: Can continuation coverage be terminated early for any reason? A group health plan may terminate coverage earlier than the end of the maximum period for any of the following reasons:  Premiums are not paid in full on a timely basis;  The employer ceases to maintain a...
by Gryphon
Thu May 03, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Computer Speakers
Replies: 12
Views: 614

Re: Recommendations for Computer Speakers

For my office, I opted for a pair of bookshelf speakers driven by a small amp. The amp has two audio inputs so I have both of my computers connected to it, and it also has a headphone output for the occasions where I need that. All are from Audioengine - the amp is the N22, and the speakers are the ...
by Gryphon
Thu May 03, 2018 1:21 am
Forum: Personal Consumer Issues
Topic: Anyone else have problems with appliances from Home Depot?
Replies: 36
Views: 8160

Re: Anyone else have problems with appliances from Home Depot?

Most of my appliances have been purchased from stores that used 3rd party installers. They've done a good job for the most part. The one exception was the dishwasher I bought last fall. After they left I discovered the drain connection to the garbage disposal leaked, so I had to redo that - they had...
by Gryphon
Sat Apr 28, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: First credit card
Replies: 21
Views: 1326

Re: First credit card

If you're looking for something that will encourage responsible CC use, perhaps an Amex Green Card would be a good start. You have to pay the balance off every month. When I got tired of carrying large credit card balances, I carried one of these for several years while paying off the other cards. I...
by Gryphon
Thu Apr 26, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: The Paperless Life
Replies: 45
Views: 4338

Re: The Paperless Life

Don't rely on institutions to hold onto your statements forever - they won't. If you want to go paperless, make a point of downloading copies of your statements every month (or every quarter, or some other regular period, though I wouldn't go longer than quarterly myself) and filing them away somewh...
by Gryphon
Thu Apr 26, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Aftertax 401K rollover to Roth IRA
Replies: 10
Views: 1199

Re: Aftertax 401K rollover to Roth IRA

After-tax contributions to a 401K don't necessarily mean a Roth 401K. For many years I set my 401K contribution percentage so that I would hit the annual maximum near the end of the year. The excess was categorized as an after-tax contribution (and this was long before that company started offering ...
by Gryphon
Tue Apr 24, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Difference in Difficulty Driving Moving Trucks By Size
Replies: 18
Views: 1772

Re: Difference in Difficulty Driving Moving Trucks By Size

I don't have experience driving moving vans, but I do have a small motorhome (21 feet long, 9.5 feet tall), and driving it isn't much more difficult than driving my minivan. Poorer visibility out the back is the main challenge, but you'd have that with either moving truck.
by Gryphon
Tue Apr 24, 2018 9:30 am
Forum: Investing - Help with Personal Investments
Topic: 401k lawsuit settlement - Can I rollover to avoid penalty for early distribution
Replies: 2
Views: 481

Re: 401k lawsuit settlement - Can I rollover to avoid penalty for early distribution

It's hard to say without knowing why the distribution occurred. If the court is correcting a mistake (for instance, you were allowed to contribute more than the annual maximum), the IRS isn't likely to let you repeat that mistake by putting the money back in. On the other hand, in that case the 10% ...
by Gryphon
Sun Apr 15, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 6242

Re: Costco gas

I find when I'm at home I always wind up getting gas at Costco, but the Costco is at a convenient location for me, so I take advantage of that - I'm near to it on a regular basis, so it's easy to get gas there even if weeks go by without any Costco shopping trips. I sometimes top off the tank sooner...
by Gryphon
Wed Apr 11, 2018 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Separate accounts for same IRA ?
Replies: 12
Views: 596

Re: Separate accounts for same IRA ?

So if someone had an IRA or 401k with 600k cash in it, they could divide it between 3 different FDIC insured banks to get deposit protection in the case of an extreme event. Is that correct? Or is an IRA/401k considered outside of protection? It would depend on where the IRA money was placed. If th...
by Gryphon
Wed Apr 11, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 97
Views: 8283

Re: New faster DNS - 1.1.1.1 by CloudFlare

The market is efficient. If CloudFlare is the best thing in town, ISPs like Comcast will use CloudFlare services to keep their customers happy. "Best thing in town" - best for who? What's best for the cable company is not necessarily what's best for you, which you don't seem to realize. And around ...
by Gryphon
Tue Apr 10, 2018 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: High-yield Savings
Replies: 31
Views: 4179

Re: High-yield Savings

I can't think of any significant negative impact to having multiple saving accounts. There's just the overhead of having to track more accounts & download monthly statements, but that's pretty minimal for a savings account that isn't seeing many transactions. As for penalties for closing so soon, th...
by Gryphon
Tue Apr 10, 2018 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: High-yield Savings
Replies: 31
Views: 4179

Re: High-yield Savings

You can drive yourself crazy chasing after the highest possible interest rate - whoever has the highest rate this week, it'll be some other bank pretty soon, and then somebody else after that, and so on and so on... I'd let that money sit in the account you have for a while, and see if they raise th...
by Gryphon
Tue Apr 10, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 97
Views: 8283

Re: New faster DNS - 1.1.1.1 by CloudFlare

\ DNS query data is extremely sensitive. CloudFlare will "share query data, but only with these really trustworthy researchers ". "Ironically for a project predicated on privacy, Cloudflare is sharing DNS query data with APNIC Labs , a part of Asian registry APNIC, in exchange for the use of its 1....
by Gryphon
Tue Apr 10, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 97
Views: 8283

Re: New faster DNS - 1.1.1.1 by CloudFlare

Even if you're using 1.1.1.1, once your session ends, if you have that page in your history (or still open in another tab), you can go straight to it and sign in again without changing your DNS back. This was at a different hotel than the one I had stayed at previously, so there was nothing in the ...
by Gryphon
Tue Apr 10, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: When to apply for social security if I want to start it at age 70?
Replies: 3
Views: 574

Re: When to apply for social security if I want to start it at age 70?

If you're filling out the application in advance, make sure when they ask for the date that benefits should start that you change the date. You don't want them to start on the date you file the application (or worse, 6 months prior).
by Gryphon
Tue Apr 10, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: 2 basic SS questions
Replies: 6
Views: 724

Re: 2 basic SS questions

The annual SS statements used to explicitly say that they were in today's dollars, but at some point they deleted that sentence.
by Gryphon
Tue Apr 10, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 97
Views: 8283

Re: New faster DNS - 1.1.1.1 by CloudFlare

2. If you travel, also try to avoid the default DNS. But be aware that this *might* cause problems for certain services in captive cases like on the airplane. I haven't tested this, though. Would appreciate any input people have. The announcement about 1.1.1.1 came out while I was traveling, so I t...
by Gryphon
Sun Feb 25, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: using old HSA on new spouse
Replies: 5
Views: 568

Re: using old HSA on new spouse

As far as I can tell, yes. From IRS Pub 969 : Qualified medical expenses are those incurred by the following persons. You and your spouse. All dependents you claim on your tax return. Any person you could have claimed as a dependent on your return except that: The person filed a joint return, The pe...
by Gryphon
Wed Feb 07, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 115
Views: 10487

Re: Tips on Buying a Class-B RV

A couple class B resources I haven't seen mentioned yet in this thread:

Class B Forum

A list of Class B manufacturers at The Fit RV.
by Gryphon
Wed Feb 07, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 115
Views: 10487

Re: Tips on Buying a Class-B RV

Great info. Thanks! 3 questions. I notice the ground clearance is short on those fancy side rocker panels. Do they scrape on the very high nasty speed bumps that are in some parking lots. Also those side road deep dips/swales that are cut for drainage. Also, the side sliding door. Is it powered? Is...
by Gryphon
Thu Jan 04, 2018 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA [Should my wife take COBRA coverage?]
Replies: 20
Views: 1854

Re: COBRA

The qualifying event is her leaving her job, but the COBRA coverage probably won't start until her employee insurance runs out. When I left my job in January last year, I couldn't sign up for COBRA until after I was no longer employed, so I had to wait until after my last day at work to sign up. But...
by Gryphon
Mon Dec 25, 2017 9:57 pm
Forum: Personal Consumer Issues
Topic: Organizing Music Collections (Genre, etc.)
Replies: 15
Views: 1175

Re: Organizing Music Collections (Genre, etc.)

I find playing by genre to be useful for the fringe elements of my music collection that are relatively small. For instance, "Pop" is used for the Rat Pack and other artists of that particular style and only makes up a handful of albums. Or "Christmas". But almost 2/3's of my collection is lumped in...
by Gryphon
Sun Dec 24, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP and HSA vs PPO
Replies: 15
Views: 1653

Re: HDHP and HSA vs PPO

wasn't Dec 15th deadline for enrolling in an ACA-compatible plan? December 15th was the deadline for signing up through healthcare.gov. States that run their own exchanges may have a different deadline. Californians, for example, have until January 31st. https://www.policygenius.com/blog/health-ins...
by Gryphon
Sun Dec 24, 2017 2:26 pm
Forum: Investing - Theory, News & General
Topic: What's in a name? "Long Island Iced Tea Corp." changes name to "Long Blockchain Corp.", stock price jumps 500%
Replies: 24
Views: 3758

Re: What's in a name? "Long Island Iced Tea Corp." changes name to "Long Blockchain Corp.", stock price jumps 500%

zaboomafoozarg, while it probably makes most BHs smile & nod their heads that the bitcoin / blockchain madness might be showing signs of rational thought prevailing, I am curious as to reliability of these Hayden@ProudMoolie posts. Could this just be joke on us bitcoin sceptics? Joke or attempted s...
by Gryphon
Tue Nov 14, 2017 11:40 pm
Forum: Personal Consumer Issues
Topic: Creating External Exhaust for Microwave over Range - Need Reality Check
Replies: 26
Views: 2547

Re: Creating External Exhaust for Microwave over Range - Need Reality Check

LG has a line of OTR microwaves with powerful fans and an extending tray to get more collecting area: Costco sells one of those. The only potential issue (at least for me) is that they're a few inches taller than a regular microwave, which means a few inches less clearance between the microwave & t...
by Gryphon
Fri Nov 03, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Giving up on Quicken? (and expense tracking software altogether)
Replies: 73
Views: 7660

Re: Giving up on Quicken? (and expense tracking software altogether)

To make category tracking useful, are you manually splitting up receipt items to match appropriate categories? That's what I do. I'm not a fanatic about it, though. If I grab a bag of M&Ms in the checkout line at the hardware store, or pick up a magazine at the grocery store, I'm not likely to both...
by Gryphon
Wed Nov 01, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: ACA Enrollment with COBRA
Replies: 7
Views: 563

Re: ACA Enrollment with COBRA

See this thread from last year.

Short answer is that the availability of COBRA insurance does not prevent you from getting a subsidized ACA plan during open enrollment.
by Gryphon
Tue Oct 31, 2017 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: HSA or PPO When Possibly Leaving Employer and Going on the ACA Exchange
Replies: 4
Views: 601

Re: HSA or PPO When Possibly Leaving Employer and Going on the ACA Exchange

Can you use any portion of the HSA to pay for premiums (subsidized or not) or co-pays or the deductibles of an ACA health insurance plan? Premiums, no. Deductibles & copays, yes. And now that I would be unemployed, could I even contribute any additional funds to the HSA? It depends on whether your ...
by Gryphon
Sun Oct 29, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Air Bag Claim notice from Takata (TK Holdings)
Replies: 14
Views: 2774

Re: Air Bag Claim notice from Takata (TK Holdings)

I received that post card this week also. My impression is that it was not about recalls as much as it was about potential lawsuits. It was letting people know that if they had been injured by a defective airbag & were not yet involved in a lawsuit to get compensation for their injuries, that time i...
by Gryphon
Fri Oct 27, 2017 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: My mortgage was sold - let it go, or shop around?
Replies: 15
Views: 2106

Re: My mortgage was sold - let it go, or shop around?

If you refinance, there's no guarantee that the new lender will keep the mortgage. The first time I refinanced my mortgage, the lender sold it almost immediately.

Unless you have a major issue with the current mortgage holder, I'd leave it alone.
by Gryphon
Fri Oct 27, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Secure Line for Phone Ordering?
Replies: 5
Views: 425

Re: Secure Line for Phone Ordering?

Maybe they switched from a cordless phone to a corded model.
by Gryphon
Fri Oct 27, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: dishwasher recommendations
Replies: 54
Views: 4136

Re: dishwasher recommendations

I bought a GE from Costco last month (GDT695SGJ2WW). I've been happy with it so far. Much quieter than the 13 year old Kenmore it replaced, and it has cleaned everything I've put in it so far. The unheated drying performance has been so-so, as expected, but I don't mind having to grab a dishtowel to...
by Gryphon
Thu Oct 26, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 18378

Re: 2018 ACA rates now live....

samsoes wrote:
Thu Oct 26, 2017 5:00 pm
What does PTC mean?
Premium Tax Credit, I believe.
by Gryphon
Wed Oct 25, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 18378

Re: 2018 ACA rates now live....

You apparently are not subsidized. If not, get a quote for a silver plan off of the exchange. You will find that if you buy the same silver plan off of the exchange, it did not go up anywhere near 31.4% to 49.8% that you see on the exchange. For the reason, see my previous post. You are correct, I ...
by Gryphon
Wed Oct 25, 2017 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 18378

Re: 2018 ACA rates now live....

63304 (St Charles County, MO) 54 year old male We lost one of our two insurers for 2018, and a new one came in to replace it, so a lot of the plans are different than last year. We had only one HSA eligible plan last year, there are none this year. Bronze: Last year we had 8 plans ranging from $403 ...
by Gryphon
Sat Sep 16, 2017 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Access to 401k at age 55
Replies: 12
Views: 1559

Re: Access to 401k at age 55

A series of installment payments paid to you either annually, semi-annually, quarterly or monthly as you elect, over your life expectancy or joint life expectancy of you and your Beneficiary, subject to applicable regulations. That sounds similar to what my 401K offered. I didn't look into it very ...
by Gryphon
Sun Sep 10, 2017 5:28 am
Forum: Personal Consumer Issues
Topic: 7 year old son's coin collection (& my observation on circulation?)
Replies: 14
Views: 2614

Re: 7 year old son's coin collection (& my observation on circulation?)

I still occasionally find nickels in my loose change from the 50's & 40's, which doesn't really happen anymore with the other coin denominations. I used to get at least a couple wheat pennies every year, but it's been several years since I last found one, so they're apparently getting pretty scarce.
by Gryphon
Wed Aug 23, 2017 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement anxiety- emotionally and financially
Replies: 55
Views: 7883

Re: Retirement anxiety- emotionally and financially

You're in about the same place I was last year - 53 and no longer satisfied with the job after 31 years. I decided to go for it, and retired in January. I certainly had moments in those final months where I wondered if I was doing the right thing, but so far it's been great. No problems with boredom...
by Gryphon
Thu Aug 17, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: Decline All Parts of Medicare, Continue Contributing to my HSA?
Replies: 11
Views: 1730

Re: Decline All Parts of Medicare, Continue Contributing to my HSA?

The former quote appears to leave room for me to decline all parts of Medicare and be eligible to continue contributing to my HSA. As I understand it, you can do that. You would also have to delay enrolling in Social Security to avoid the automatic Medicare Part A enrollment that goes with SS. Does...
by Gryphon
Sun Aug 13, 2017 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Starting an HSA as I begin retirement
Replies: 3
Views: 617

Re: Starting an HSA as I begin retirement

Also, you have to remain enrolled in a HDHP for 12 months after doing an IRA to HSA transfer, otherwise the transfer will be treated as an IRA withdrawal & subject to income tax. If you're starting Medicare in October, you won't pass the 12 month test even if you are covered by an HDHP right now. As...
by Gryphon
Tue Aug 01, 2017 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Will my older self thank me?
Replies: 38
Views: 3739

Re: Will my older self thank me?

I didn't start saving for retirement until I was 25, and my savings didn't hit 50K until I was 32. I look back now and wish I had started sooner & saved more. So I think your future self will be glad you got such a good start.
by Gryphon
Wed Jul 19, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: Car Wash Pass worth it?
Replies: 15
Views: 2760

Re: Car Wash Pass worth it?

If you have a Sams or Costco membership, check the gift card rack. I was able to buy gift cards at Costco for a local car wash chain for around 25% less than face value. They don't expire, so I can take as long as I want to use them. For me, that wound up being a better deal than the monthly members...
by Gryphon
Tue Jul 18, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: Mackinaw City/St Ignace MI bike trail suggestions
Replies: 3
Views: 459

Re: Mackinaw City/St Ignace MI bike trail suggestions

There's a trail that follows US23 south from Mackinaw City, the North Central State Trail. I've only ridden a couple miles of it (from Mackinaw Mill Creek Campground to Mackinaw City), but my brother rode a longer stretch of it with a friend of his a couple years ago & they had a good time. https://...
by Gryphon
Sat Jul 08, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Doing dishes while camping
Replies: 38
Views: 3372

Re: Doing dishes while camping

The way we used to do it when I tent camped was to have a couple of plastic trays (something like an 8 or 10 quart capacity); one for wash water, one for rinse water. We'd use those to wash dishes at the campsite. When done washing, we'd dump the wash water in the bushes, then use the rinse water to...
by Gryphon
Thu Jun 29, 2017 1:11 am
Forum: Personal Consumer Issues
Topic: Getting a new cooktop, gas vs electric?
Replies: 72
Views: 5861

Re: Getting a new cooktop, gas vs electric?

I have a range with a smooth glass cooktop (GE). I pulled out the manual to see what it had to say about cast iron (never used it myself): "Not recommended - unless designed specifically for glass cooktops. Poor conductivity and slow to absorb heat. Will scratch the cooktop surface." However, for po...