Search found 164 matches

by Morgan Dollar 1921
Wed Nov 13, 2019 5:20 pm
Forum: Personal Investments
Topic: SIL retirement puzzle
Replies: 49
Views: 3471

Re: SIL retirement puzzle

Let me correct myself: "Disabled people who are approved for Social Security disability insurance (SSDI) benefits will receive Medicare, and those who are approved for Supplemental Security Income (SSI) will receive Medicaid. However, SSDI recipients aren't eligible to receive Medicare benefits unti...
by Morgan Dollar 1921
Wed Nov 13, 2019 5:08 pm
Forum: Personal Investments
Topic: SIL retirement puzzle
Replies: 49
Views: 3471

Re: SIL retirement puzzle

"She should find out if the pension is COLAed. Good chance it is not." (IF we knew who the pension was with, we could find out more than likely. Even if it is COLAed, the COLA could be pulled due to funding issues with pension fund return shortfall's. Just ask Ohio Teachers about the STRS cola chang...
by Morgan Dollar 1921
Fri Nov 08, 2019 12:19 pm
Forum: Personal Investments
Topic: TSP Contributions - Retiring Mid Year
Replies: 16
Views: 1089

Re: TSP Contributions - Retiring Mid Year

Barefoot wrote:
Fri Nov 08, 2019 11:40 am
Morgan Dollar 1921 wrote:
Fri Nov 08, 2019 8:56 am
however I do not recall if that portion is allowed to be used to move you into the bonus multiplier, (1.1% x 20 years).
It does not
that was what my memory was telling, but I did not feel like checking, LoL and never want to mislead.

Thanks for confirming.
by Morgan Dollar 1921
Fri Nov 08, 2019 8:56 am
Forum: Personal Investments
Topic: TSP Contributions - Retiring Mid Year
Replies: 16
Views: 1089

Re: TSP Contributions - Retiring Mid Year

Wouldn’t retiring at 62 increase your multiplier and give you 20 years in ? This would have a greater positive impact on your retirement income. Yeah, if you have any flexibility you should consider waiting until 62 since you'll be so close anyway and would have under 20 years. 62 gets a 1.1% multi...
by Morgan Dollar 1921
Fri Sep 27, 2019 6:17 am
Forum: Personal Finance (Not Investing)
Topic: financially clueless senior MIL who thinks she’s rich
Replies: 162
Views: 20324

Split from: financially clueless senior MIL who thinks she’s rich

At best, you dont make any sense. At worst, you are enforcing your will onto someone else. If someone does not want your help, nothing you can do. You cant force someone to do it your way. That's is very manipulative. Unless you really have a screwed up family relationship, it's normal for family m...
by Morgan Dollar 1921
Fri Sep 20, 2019 6:53 pm
Forum: Personal Consumer Issues
Topic: Need help with car trading dilemma.....
Replies: 16
Views: 1542

Re: Need help with car trading dilemma.....

I have some questions about option 3. Does it mean that your wife isn't getting the Pilot/Highlander or did you just assume that was happening? I'm also curious about the comment that the daughters like this option- why? Why wouldn't they want her to get the larger vehicle to be able to haul their ...
by Morgan Dollar 1921
Sat Sep 14, 2019 8:16 am
Forum: Personal Finance (Not Investing)
Topic: social security benefit - confused about choosing start date
Replies: 35
Views: 3257

Re: social security benefit - confused about choosing start date

I've seen some weird stuff on these boards but this one takes the cake. One month difference in taking SS will rock your world? Seriously? I thought the same thing, you were brave enough to type it, I have seen so many die unexpectedly in their late 50's & early sixties, that I signed up as soon as...
by Morgan Dollar 1921
Thu Sep 12, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: Friend's car caught in flood ?
Replies: 97
Views: 7874

Re: Friend's car caught in flood ?

Been a month since the last OP update, sorta curious myself.
by Morgan Dollar 1921
Wed Sep 11, 2019 3:28 pm
Forum: Personal Consumer Issues
Topic: Help With New Car Purchase - Macan S versus...
Replies: 57
Views: 5232

Re: Help With New Car Purchase - Macan S versus...

Kern44 wrote:
Wed Sep 11, 2019 3:25 pm
Wait for the upcoming Corvette SUV
I laughed but it could happen!
by Morgan Dollar 1921
Wed Sep 11, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: Lexus or Camry?
Replies: 34
Views: 3356

I understand the warranty on the Kia, ask yourself why do they have to offer longer warranties than Toyota, Subaru & Honda? And the key question, "Am I paying for that longer warranty? I am glad to know that quality is on the rise, but I recall shutting a door on a used KIA about seven years ago, t...
by Morgan Dollar 1921
Wed Sep 11, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: Lexus or Camry?
Replies: 34
Views: 3356

Re: Lexus or Camry?

Ok, back like a broken record, Huh. I open my phone to check my V/G account moments after posting the last reply and what do I see in notifications, another GM recall, brakes this time. Not sure what it is, but a tailgate recall can't be as bad as a brake recall, right? Rusty brake lines on a pickup...
by Morgan Dollar 1921
Wed Sep 11, 2019 9:00 am
Forum: Personal Consumer Issues
Topic: Lexus or Camry?
Replies: 34
Views: 3356

Re: Lexus or Camry?

Not sure IF I am premittted to post these here, so if not Mod's can remove: TSB: SERVICE ACTION: INTERMEDIATE STEERING SHAFT UNIVERSAL JOINT INSPECTION (SA383) - This bulletin provides information regarding the inspection of the intermediate steering shaft lower universal joint on certain 2020MY Te...
by Morgan Dollar 1921
Tue Sep 10, 2019 9:15 pm
Forum: Personal Consumer Issues
Topic: Costco washer/dryer delivery: tipping?
Replies: 54
Views: 4248

Re: Costco washer/dryer delivery: tipping?

"One of the reasons to be kind to the least advantaged Ian be precisely that they are not in a position to negotiate for better wages." I totally agree with the kindness factor, but if they are able bodied enough to deliver appliances, there should be other opportunities for them up the ladder, IMHO...
by Morgan Dollar 1921
Tue Sep 10, 2019 8:28 pm
Forum: Personal Consumer Issues
Topic: Costco washer/dryer delivery: tipping?
Replies: 54
Views: 4248

Re: Costco washer/dryer delivery: tipping?

Started out filling auto batteries, sweeping the floor and putting up bin tags, delivery and pick up of parts @ $2.25 an hour. (1975) Ten years later the employee handbook limited a tip from a customer to $10. And we were advised not to accept if used to compromise service to other customers, (movin...
by Morgan Dollar 1921
Tue Sep 10, 2019 8:09 pm
Forum: Personal Consumer Issues
Topic: Lexus or Camry?
Replies: 34
Views: 3356

Re: Lexus or Camry?

Not sure IF I am premittted to post these here, so if not Mod's can remove: TSB: SERVICE ACTION: INTERMEDIATE STEERING SHAFT UNIVERSAL JOINT INSPECTION (SA383) - This bulletin provides information regarding the inspection of the intermediate steering shaft lower universal joint on certain 2020MY Tel...
by Morgan Dollar 1921
Tue Sep 10, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: Lexus or Camry?
Replies: 34
Views: 3356

Re: Lexus or Camry?

Ok, seems like what I find is KIA Telluride is new model first year out right ? Make sure to have the service advisor document all issues as they happen on the Repair Order, IF your state has a good lemon law and there are major bugs then you can do a buyback. Anyone who comes to me, I steer them cl...
by Morgan Dollar 1921
Tue Sep 10, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: Lexus or Camry?
Replies: 34
Views: 3356

Re: Lexus or Camry?

Don't know much about the Kia, has the quality jumped up that much that you would dump a good Lexus or Camry ? I have been out of the biz for 3 + years, but KIA was always "killed in action" way back, I know the sister line up has come a long ways from 1994, when the Elantra would not start on a col...
by Morgan Dollar 1921
Mon Sep 09, 2019 10:54 am
Forum: Personal Investments
Topic: [Moving from Edward Jones to Vanguard]
Replies: 18
Views: 2076

Re: [Moving from Edward Jones to Vanguard]

Stinky wrote:
Mon Sep 09, 2019 8:22 am
Welcome to the Forum! Glad that you found us.

Sell the funds. Move the money to Vanguard, Fidelity, or Schwab. Start the process today.
+2
by Morgan Dollar 1921
Sun Sep 08, 2019 10:40 pm
Forum: Personal Consumer Issues
Topic: no idea - bourbon
Replies: 23
Views: 3208

Re: no idea - bourbon

j0nnyg1984 wrote:
Sun Sep 08, 2019 10:00 pm
Some of the best stuff to drink is also quite affordable - grab a bottle of buffalo trace for $25 and enjoy.
+1
by Morgan Dollar 1921
Sun Sep 08, 2019 10:30 pm
Forum: Personal Consumer Issues
Topic: Did humanity ever make good Gas cans
Replies: 70
Views: 6536

Re: Did humanity ever make good Gas cans

Eagle metal gas can on Amazon I had the same issues and have been very pleased for a couple years now using the Eagle Yes, this : 5 gal. Red Galvanized Steel Type I Safety Can, For Flammables, and be safe use a funnel and do not refill when hot, our neighbor's son got some nasty burns from a combin...
by Morgan Dollar 1921
Thu Aug 22, 2019 8:20 pm
Forum: Personal Consumer Issues
Topic: Dealer asking to re-sign
Replies: 45
Views: 4480

Re: Dealer asking to re-sign

Thanks all for your responses. I was originally going in on Saturday to drop of the title to my trade, so I was going to be there anyway. However I think I prefer just to have them add the last digit and I can initial it. I did receive a copy of the revised contract and on surface it seems similar ...
by Morgan Dollar 1921
Thu Aug 22, 2019 8:00 pm
Forum: Personal Consumer Issues
Topic: Dealer asking to re-sign
Replies: 45
Views: 4480

Re: Dealer asking to re-sign

BillWalters wrote:
Thu Aug 22, 2019 7:54 pm
Many F&I managers just forge in this spot. I’d politely ask them to mail you the document with a stamped envelope.
Ah yes, I forgot about that, and the income numbers too when they send in the app.
by Morgan Dollar 1921
Thu Aug 22, 2019 7:47 pm
Forum: Personal Consumer Issues
Topic: Dealer asking to re-sign
Replies: 45
Views: 4480

Re: Dealer asking to re-sign

Hi All, we purchased a vehicle last weekend, and today the dealer reached out and asked to re-sign documents because they forgot the last digit on the trade. I looked through the sales docs and they did in fact forget the last digit on my trade VIN. I did ask them to send over a copy of what i will...
by Morgan Dollar 1921
Tue Aug 13, 2019 8:50 am
Forum: Personal Consumer Issues
Topic: Friend's car caught in flood ?
Replies: 97
Views: 7874

Re: Friend's car caught in flood ?

No mention of mileage or recent repairs, I personally would not want to travel down the highway at 50 MPH in this thing. I could tell a story about a couple of dozen new Buick & Pontiac vehicles in a flood area, but it would damage a good dealers reputation. Yes, a good dealer, but did what the insu...
by Morgan Dollar 1921
Thu Aug 08, 2019 8:52 pm
Forum: Personal Investments
Topic: What is the best Vanguard Short-term bond fund
Replies: 13
Views: 1716

Re: What is the best Vanguard Short-term bond fund

tigerdoc93 wrote:
Thu Aug 08, 2019 8:18 pm
Not vanguard fund but I like the ETF ICSH.
I like it and use it on M1
by Morgan Dollar 1921
Mon Aug 05, 2019 11:04 am
Forum: Personal Investments
Topic: Portfolio Question
Replies: 24
Views: 1212

Re: Portfolio Question

Full names, ( retired with time to help) 1. VSGAX Vanguard Small-Cap Growth Index Fund Admiral Shares 2. VSIAX Vanguard Small Cap Value Index Fund Admiral Shares 3. VIGAX Vanguard Growth Index Fund Admiral Shares 4. VT VANGUARD TOTAL WORLD STOCK (ETF) 5. VVIAX Vanguard Value Index Fund Admiral Share...
by Morgan Dollar 1921
Thu Jul 25, 2019 12:46 pm
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 67
Views: 10354

Re: Zero-Turn Mowers

"I "want" a zero turn but darn those prices." Remember you are buying two transmissions when you buy a ZTR mower, the speed and agility plus fuel savings may more than make up for initial expense over the years. "Suggest talking to various landscapers and neighbors with mowers in your neighborhood."...
by Morgan Dollar 1921
Thu Jul 25, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 67
Views: 10354

Re: Zero-Turn Mowers

A quick response to get some actual residential experience in this info. I spec'ed my first Z narrowed it down to $ 6K to 8K to get a model that I could hope to last 12 -15 years, had good insight from two others who owned and operated each of the following models. Bobcat & Hustler, Bobcat XRZ-Pro, ...
by Morgan Dollar 1921
Wed Jul 24, 2019 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Broker or Not
Replies: 26
Views: 1222

Re: Medigap Broker or Not

One key to remember is not all states are the same, second factor is typically you can move down in coverage quality, but not up without underwriting. Someone else made that assertion in a earlier thread. Several people (including me) said that that was not always the case based on their actual exp...
by Morgan Dollar 1921
Wed Jul 24, 2019 7:42 pm
Forum: Personal Investments
Topic: Laid Off - Want to Retire / Am I OK
Replies: 145
Views: 19729

Re: Laid Off - Want to Retire / Am I OK

Everyone is concerned about health insurance, sad that is the trap we deal with, set by our employer's and the, oh wait, my post cannot be political. How is your health? How about genetics, are your parents & in-laws still living. Would it not be nice to take a 2-3 week vacation with the girls while...
by Morgan Dollar 1921
Wed Jul 24, 2019 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Broker or Not
Replies: 26
Views: 1222

Re: Medigap Broker or Not

One key to remember is not all states are the same, second factor is typically you can move down in coverage quality, but not up without underwriting. Third, and I am not sure on this item, but I think your first year is the same deductible even though you do not have a full year, to cover that dedu...
by Morgan Dollar 1921
Wed Jul 24, 2019 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Broker or Not
Replies: 26
Views: 1222

Re: Medigap Broker or Not

After seeing people who have decided to go with BCBS without looking into the whole gamut I think you should kick the tires on the decision. I would not go with F based on the fact that new enrollments are going away soon if I recall correctly. And from the last time I looked at prices the cost of ...
by Morgan Dollar 1921
Tue Jul 16, 2019 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: The exact month to begin receiving Social Security benefits for the maximum.
Replies: 44
Views: 3701

Re: The exact month to begin receiving Social Security benefits for the maximum.

yes, SS pays in arrears I understand that SS pays in arrears, but why wouldn't it be the case that the first payment would arrive in December? That would also be in arrears since the applicant turned 70 in November. Social Security doesn't make partial month payments. You must be 70 for an entire m...
by Morgan Dollar 1921
Tue Jul 16, 2019 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: The exact month to begin receiving Social Security benefits for the maximum.
Replies: 44
Views: 3701

Re: The exact month to begin receiving Social Security benefits for the maximum.

At age 62, when I filed, with a DOB March 20th, I got my first direct deposit the 3rd Wednesday of May. I had to be 62 a complete, entire month first, (April), then I received my first month's benefits that third week, of May. Yes, but that is only the case if you file to begin SS at 62. For some o...
by Morgan Dollar 1921
Tue Jul 16, 2019 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: The exact month to begin receiving Social Security benefits for the maximum.
Replies: 44
Views: 3701

Re: The exact month to begin receiving Social Security benefits for the maximum.

At age 62, when I filed, with a DOB March 20th, I got my first direct deposit the 3rd Wednesday of May. I had to be 62 a complete, entire month first, (April), then I received my first month's benefits that third week, of May. Yes, but that is only the case if you file to begin SS at 62. For some o...
by Morgan Dollar 1921
Tue Jul 16, 2019 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: The exact month to begin receiving Social Security benefits for the maximum.
Replies: 44
Views: 3701

Re: The exact month to begin receiving Social Security benefits for the maximum.

At age 62, when I filed, with a DOB March 20th, I got my first direct deposit the 3rd Wednesday of May. I had to be 62 a complete, entire month first, (April), then I received my first month's benefits that third week, of May. Thus I was 62 for almost 60 full days prior to getting my first dollar of...
by Morgan Dollar 1921
Mon Jul 15, 2019 6:13 pm
Forum: Personal Consumer Issues
Topic: Can the dealer be trusted?
Replies: 17
Views: 2117

Re: Can the dealer be trusted?

I am not sure why the constant dealership disrespect on this board. I've been in the automotive repair business for almost 40 years and worked at, or with, several types of repair facilities. By far, the best trained, the highest credentialed, and most ethical have been dealership technicians. The ...
by Morgan Dollar 1921
Mon Jul 15, 2019 6:01 pm
Forum: Personal Consumer Issues
Topic: Can the dealer be trusted?
Replies: 17
Views: 2117

Re: Can the dealer be trusted?

I am not sure why the constant dealership disrespect on this board. I've been in the automotive repair business for almost 40 years and worked at, or with, several types of repair facilities. By far, the best trained, the highest credentialed, and most ethical have been dealership technicians. The ...
by Morgan Dollar 1921
Tue Jul 09, 2019 9:06 pm
Forum: Personal Investments
Topic: New Military recruit needs help with TSP
Replies: 18
Views: 1876

Re: New Military recruit needs help with TSP

There will be many opinions and she could do worse than the L method 2050 or 2060. I would suggest 40% C, 20% S, 20% I, 10% F and 10% G. I prefer to be a little light on international exposure. My DW wanted to build a base, a foundation she called it with G, and she wanted to SWAN, sleep well at nig...
by Morgan Dollar 1921
Tue Jul 09, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: Pickup truck issue!!
Replies: 39
Views: 3303

Re: Pickup truck issue!!

Are you in a cold weather state?
Have you had fuel quality issues from your supplier in the past?
Do you need that power and load/towing capacity?
Have you gotten a competitive quote on the repair?
by Morgan Dollar 1921
Tue Jul 09, 2019 8:02 pm
Forum: Personal Investments
Topic: Federal employee financial planning question
Replies: 33
Views: 3637

Re: Federal employee finanacial planning question

Is any of the TSP in the Roth option? Your match will still go into the traditional TSP but I would suggest you consider the Roth side of the TSP. Others may chime in with reasons that you should not, but I think you should consider it. Are you nine years from early retirement or from age 62, 67 or ...
by Morgan Dollar 1921
Wed Apr 10, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Replacing Main car to get better safety features
Replies: 51
Views: 2335

Re: Replacing Main car to get better safety features

Air bags have been around a long time, just no one wanted to pay for them. Evidence is this cut and paste: "The Air Cushion Restraint System (ACRS) introduced by General Motors as an option for some of its full-size Cadillac, Buick, and Oldsmobile models in the fall of 1973 was a two-part system, wi...
by Morgan Dollar 1921
Tue Mar 26, 2019 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Inheritance of Trad IRA
Replies: 40
Views: 2439

Re: Inheritance of Trad IRA

You are welcome, my father farmed, I wanted to make sure you were aware that you need thirty five years of numbers. You do not need 35 years. You need 40 quarters (in most cases that's 10 years) to qualify. After that extra earnings lead to higher benefits, but you can end up with fairly high SS be...
by Morgan Dollar 1921
Mon Mar 25, 2019 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance of Trad IRA
Replies: 40
Views: 2439

Re: Inheritance of Trad IRA

You are welcome, my father farmed, I wanted to make sure you were aware that you need thirty five years of numbers. I was shocked when my best AIME was from 1978. even though I earned three times as much years later. Good luck, farming is tough.
by Morgan Dollar 1921
Mon Mar 25, 2019 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance of Trad IRA
Replies: 40
Views: 2439

Re: Inheritance of Trad IRA

Just a quick question, does you CPA hope for you to build social security income, or do you avoid that entirely due to having to fully fund as self-employed?
by Morgan Dollar 1921
Tue Mar 19, 2019 7:53 pm
Forum: Personal Consumer Issues
Topic: A used Camry or brand new Corolla?
Replies: 69
Views: 3636

Re: A used Camry or brand new Corolla?

rgs92 wrote:
Tue Mar 19, 2019 6:29 pm
If used is OK, I would step up twice to an Avalon. Nice car.
+1

My daughter has a '18 Hybrid, loves it, I drove it and clocked 65 MPG, awesome. Super comfortable too.
by Morgan Dollar 1921
Tue Mar 19, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: A used Camry or brand new Corolla?
Replies: 69
Views: 3636

Re: A used Camry or brand new Corolla?

Hey, maybe rent one of each over back to back weekends, an extended test drive kind of thing, then, drive the exact car you will be buying prior to buying it. No two people drive the same, I am sure of that, seems like if you are the kind that leaves 21 minutes early for a 22 minute drive destinatio...
by Morgan Dollar 1921
Mon Mar 18, 2019 7:14 pm
Forum: Personal Investments
Topic: How to get over a $25K stock market loss?
Replies: 125
Views: 11359

Re: How to get over a $25K stock market loss?

I had two thoughts by the time I got to this part of your post, "experts' were pretty confident about a recession coming soon." First,.... I looked to the right to see your join date, and wished you had arrived here a year earlier, Second,.... I thought to myself "there are no experts", just an asse...
by Morgan Dollar 1921
Mon Mar 18, 2019 6:25 am
Forum: Personal Finance (Not Investing)
Topic: How Important is a Credit Score?
Replies: 86
Views: 4371

Re: How Important is a Credit Score?

We may not like it, but credit score has become a yard stick.