Search found 201 matches

by Morgan Dollar 1921
Fri Jul 24, 2020 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Possibly losing health insurance. Experiences with ACA
Replies: 57
Views: 3833

Re: Possibly losing health insurance. Experiences with ACA

Excellent experience for two years and six months prior to Medicare. Premiums tough those first six months then based on retired income. Care and insurance experience was smooth all the way. Had to switch carriers once due to a move of 80 miles. I am in Ohio.
by Morgan Dollar 1921
Wed Jul 15, 2020 2:51 pm
Forum: Personal Consumer Issues
Topic: Advise required on Dehumidifier for unfinished basement
Replies: 32
Views: 1316

Re: Advise required on Dehumidifier for unfinished basement

I googled home dehumidifiers and this is the first ne that cam up... https://www.lowes.com/pd/Keystone-30-Pint-2-Speed-Dehumidifier/1000930228?cm_mmc=shp-_-c-_-prd-_-app-_-google-_-pla-_-235-_-soscooling-_-1000930228-_-0&placeholder=null&gclid=EAIaIQobChMI6L_os-HP6gIVrAiICR1KSADGEAQYASABEgIGbvD_BwE...
by Morgan Dollar 1921
Wed Jul 15, 2020 12:35 pm
Forum: Personal Consumer Issues
Topic: Advise required on Dehumidifier for unfinished basement
Replies: 32
Views: 1316

Re: Advise required on Dehumidifier for unfinished basement

DaftInvestor wrote:
Wed Jul 15, 2020 12:30 pm
Looks like the one I have now sells for $200 - does have a drain (or bucket option). rated for 1000 sq ft:

https://www.amazon.com/gp/product/B07JMZJX4B/
22 Pint.
by Morgan Dollar 1921
Wed Jul 15, 2020 12:34 pm
Forum: Personal Consumer Issues
Topic: Advise required on Dehumidifier for unfinished basement
Replies: 32
Views: 1316

Re: Advise required on Dehumidifier for unfinished basement

I googled home dehumidifiers and this is the first ne that cam up... https://www.lowes.com/pd/Keystone-30-Pint-2-Speed-Dehumidifier/1000930228?cm_mmc=shp-_-c-_-prd-_-app-_-google-_-pla-_-235-_-soscooling-_-1000930228-_-0&placeholder=null&gclid=EAIaIQobChMI6L_os-HP6gIVrAiICR1KSADGEAQYASABEgIGbvD_BwE...
by Morgan Dollar 1921
Wed Jul 15, 2020 12:25 pm
Forum: Personal Consumer Issues
Topic: Advise required on Dehumidifier for unfinished basement
Replies: 32
Views: 1316

Re: Advise required on Dehumidifier for unfinished basement

I do not know pro or con about any mentioned,but we bought a LG 70 pint, (same model under new specs is 50 pints) three plus years ago and continued to run the two old tired models the previous owner left. They were doing poorly and it was damp. Adding the new LG helped for some time but soon it bec...
by Morgan Dollar 1921
Tue Jul 14, 2020 11:01 am
Forum: Personal Consumer Issues
Topic: Tree trimming estimate.
Replies: 39
Views: 2003

Re: Tree trimming estimate.

Can't imagine it taking more than an hour, two tops. I will disagree with your time estimates. You probably forgot the driving time to and from the job site. One still has to pay the hourly wage to workers who are in the truck. I hope you will be able to report back the total time it took on the jo...
by Morgan Dollar 1921
Tue Jul 14, 2020 9:31 am
Forum: Personal Consumer Issues
Topic: Tree trimming estimate.
Replies: 39
Views: 2003

Re: Tree trimming estimate.

My post may get removed, but these kind of thrifty price checks simply amaze me, when they border on this level of doubt, or maybe I am just reading it with too much of a critical eye. They also remind me of my M-I-L. I think McDonald's may recycle the bark into the Quarter Pounder, never the Big Ma...
by Morgan Dollar 1921
Mon Jun 15, 2020 1:14 pm
Forum: Personal Investments
Topic: Where put cash for 96-year-old folks?
Replies: 17
Views: 2203

Re: Where put cash for 96-year-old folks?

I am going to post several quotes from this thread that seem to stand out. Just my humble opinion, if I cross the line, I appreciate admin's feedback or delete it. But first, congrats to this couple, I was raised on a farm and know the risk and hard work of building a farm land asset. Best wishes an...
by Morgan Dollar 1921
Wed May 20, 2020 9:38 am
Forum: Personal Consumer Issues
Topic: Buying tires for 2017 Subaru Outback
Replies: 29
Views: 1786

Re: Buying tires for 2017 Subaru Outback

Snow or no snow/ice? I have been putting Toyo Celsius on our cars for the past few years. We have snow/ice/bad winters. Not a fan of Michelin. Too hard of a ride for me. I'd pick a Cooper or Toyo before those listed. Tires are complicated by personal experience/bias. Most likely any of the tires yo...
by Morgan Dollar 1921
Wed May 20, 2020 9:25 am
Forum: Personal Consumer Issues
Topic: Buying tires for 2017 Subaru Outback
Replies: 29
Views: 1786

Re: Buying tires for 2017 Subaru Outback

My daughter buys from Costco, my additional advice is check reviews on Tire Rack. I would also caution you about buying a tire on close out, maybe hard to duplicate the tire 2-3 years down the road, however that presents it's own concerns with the All-wheel drive system on Subaru's. I own an Impreza...
by Morgan Dollar 1921
Fri May 15, 2020 5:50 pm
Forum: Personal Investments
Topic: New Horizons: ETF equivalent
Replies: 8
Views: 660

Re: New Horizons: ETF equivalent

Just ran it against SO, Southern, I know we are not into individual stocks here, and of course this has the benefit of hindsight. I always temper my excitement for any managed fund with with a history check against SO or PG, Proctor & Gamble.
by Morgan Dollar 1921
Sat May 09, 2020 2:55 pm
Forum: Personal Investments
Topic: College age kid wrecked his car...
Replies: 113
Views: 6288

Re: College age kid wrecked his car...

Collision insurance doesn't cover damages if you hit a deer. Comprehensive insurance covers you if you hit a deer as well as broken glass for your car, if you have it. I hit a deer about 6 years ago & was surprised that collision didn't cover it, but comprehensive did cover. The deductible was the ...
by Morgan Dollar 1921
Mon Apr 20, 2020 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason to keep this universal life policy?
Replies: 6
Views: 417

Re: Any reason to keep this universal life policy?

At what point (age) do the Mortality charges and expense fees exceed the premium payments and interest/dividends earned. I presume the dividends are not guaranteed? No need to disclose your age if you prefer not to, just need to know what is happening and will happen inside this product as you age, ...
by Morgan Dollar 1921
Sat Apr 18, 2020 8:22 pm
Forum: Investing - Theory, News & General
Topic: "Two Days of Truth In 365 Days of Snake Oil"
Replies: 11
Views: 2031

Re: "Two Days of Truth In 365 Days of Snake Oil"

Yes, they are paid well, good stuff, thank you for posting. I had not seen his blog before.
by Morgan Dollar 1921
Sat Apr 18, 2020 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus, get my payment? On the way, now. Why USPS.
Replies: 25
Views: 2994

Re: Stimulus, get my payment? On the way, now. Why USPS.

I think the window is closing for people to enter their bank info and avoid mailed checks. I posted this article earlier. Is it right based on the reports here - ie 4/24 batch was for AGI of 10k? I saw this article https://finance.yahoo.com/news/coronavirus-stimulus-checks-irs-tool-lets-you-track-t...
by Morgan Dollar 1921
Sat Apr 18, 2020 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus, get my payment? On the way, now. Why USPS.
Replies: 25
Views: 2994

Re: Stimulus, get my payment? On the way, now. Why USPS.

I'm in the category of e-filed 2018 and 2019, AND receive via Social Security direct deposit. In 2019 I was status neither refund nor owed; therefore the tool does not allow to enter direct deposit info as so many have posted here, elsewhere. No 3rd option; no work around to select refund with 0 (a...
by Morgan Dollar 1921
Sat Apr 18, 2020 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus, get my payment? On the way, now. Why USPS.
Replies: 25
Views: 2994

Re: Stimulus, get my payment? On the way, now. Why USPS.

My refund due in 2018 went to a different back from my SSA direct deposits, but I had filed 2019 early in mid February. With no refund due or tax owed, my return form was left blank for the bank routing info. I think this is the answer to why you are getting a check - three different sources of dat...
by Morgan Dollar 1921
Sat Apr 18, 2020 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus, get my payment? On the way, now. Why USPS.
Replies: 25
Views: 2994

Stimulus, get my payment? On the way, now. Why USPS.

"We scheduled your check to be mailed on April 24, 2020 to the address we have on file for you. We will mail you a letter with additional information on this payment. If you need additional help or do not receive your payment, please visit our Frequently Asked Questions page. Exit" This post is not ...
by Morgan Dollar 1921
Sun Apr 12, 2020 5:33 pm
Forum: Personal Investments
Topic: Is there a conservative fund?
Replies: 20
Views: 1486

Re: Is there a conservative fund?

My current AA is weak, but low risk: Portfolio 3 Ticker Name Allocation SCHX Schwab US Large-Cap ETF 24.00% VGLT Vanguard Long-Term Treasury ETF 44.00% CASHX Cash 32.00% A lot of cash drag, but like a balance pole for a high wire act, it stablizes, My MMMF is SPAXX Fidelity Government. Just a option...
by Morgan Dollar 1921
Wed Mar 18, 2020 6:35 pm
Forum: Personal Consumer Issues
Topic: What Happens To Your Battery When Your Car Is Parked For Weeks?
Replies: 90
Views: 4944

Re: What Happens To Your Battery When Your Car Is Parked For Weeks?

GOOD ADVICE: "No need for a lecture, I already looked up dynamos". AKA generators :happy "There should be a sticker on top of the battery that will tell you how old the battery is. If it is older than four years it will be somewhat more prone to having problems if it has not been used for a while." ...
by Morgan Dollar 1921
Wed Mar 18, 2020 5:59 pm
Forum: Personal Consumer Issues
Topic: How much cash to have during coronavirus panic?
Replies: 146
Views: 11531

Re: How much cash to have during coronavirus panic?

The terminals on the gas pump need a connection to the bank/card companies server. Rural Ohio 2014, pumps were working but card terminals were not, without a $20 in my wallet, I would have had to phone a friend or thumb a ride. Yes, I should not have gotten that low, but a 4WD truck liked it's gasol...
by Morgan Dollar 1921
Sun Mar 15, 2020 10:07 pm
Forum: Personal Consumer Issues
Topic: Tire question on AWD car
Replies: 14
Views: 919

Re: Tire question on AWD car

Shave the tire or replace both, on a Subaru they all must match. All FOUR (4). Anyone who thinks they know more than the people who build the car, are only kidding themselves. Yes, a dealer might give you bad advice, but most OEM's have a customer service hotline. Your safety and the longevity of yo...
by Morgan Dollar 1921
Wed Jan 15, 2020 1:38 pm
Forum: Personal Investments
Topic: Best Thrift Savings Plan (TSP) book or resource?
Replies: 14
Views: 1135

Re: Best Thrift Savings Plan (TSP) book or resource?

You also might consider, "Navigating Your Federal Retirement" by Brandon Christy, CPA, PFS.

The copy I have is from 2015, which makes it somewhat outdated, he may have an undated version, I did not check. Good Luck.
by Morgan Dollar 1921
Tue Jan 14, 2020 3:58 pm
Forum: Personal Investments
Topic: Best Thrift Savings Plan (TSP) book or resource?
Replies: 14
Views: 1135

Re: Best Thrift Savings Plan (TSP) book or resource?

NARFE, an organization for active and retired federal employees, I will also grab you a book name later.
by Morgan Dollar 1921
Mon Dec 30, 2019 7:15 pm
Forum: Personal Consumer Issues
Topic: shopping used cars - prioritize miles or years?
Replies: 16
Views: 1817

Re: shopping used cars - prioritize miles or years?

In northern climates - Years Every winter takes a toll. Ten year old cars have brake lines rusting out and suspension parts failing, regardless of miles. I have sought out newish, ultra-high-mileage cars. Say 2 years old with 80,000 miles. There is a limit to how much wear one can put on a vehicle ...
by Morgan Dollar 1921
Fri Dec 20, 2019 11:06 pm
Forum: Personal Investments
Topic: Value of dividends?
Replies: 33
Views: 3612

Re: Value of dividends?

For the 2019 tax year, you will not need to pay any taxes on qualified dividends as long as you have $38,600 or less of ordinary income Last I checked, a married couple can make up to 93-94k annually in qualified dividends and pay ZERO in taxes... That has a value to me Yes, I agree, and I file sin...
by Morgan Dollar 1921
Fri Dec 20, 2019 9:32 pm
Forum: Personal Investments
Topic: Value of dividends?
Replies: 33
Views: 3612

Re: Value of dividends?

Qualified dividends are taxed at the capital gains rates, which are lower. For the 2019 tax year, you will not need to pay any taxes on qualified dividends as long as you have $38,600 or less of ordinary income. Small monthly pension, under $500 & the rest of my income is SSA. Works for me! What's n...
by Morgan Dollar 1921
Wed Dec 18, 2019 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare: G vs G Prime
Replies: 45
Views: 2549

Re: Medicare: G vs G Prime

@Morgan Dollar 21 Not to dissuade you if F is really what you want. But consider one more thing The only difference between F and G: Plan F pays your Part B deductible: $198 in 2020 Compare next year's annual premium for Plan F vs. the annual premium for G. If Plan F is costing you more then $198 f...
by Morgan Dollar 1921
Wed Dec 18, 2019 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Is anyone here surviving without a credit card?
Replies: 85
Views: 4409

Re: Is anyone here surviving without a credit card?

It is difficult in some respects, however circumstances took me in a different route. DGF has credit cards (3) and she reaps the rewards, we tally up monthly. She keeps the rewards, (happy GF, happy life) I have a set procedure with debit cards, have an app to turn the cards off and on, fairly easy ...
by Morgan Dollar 1921
Mon Dec 16, 2019 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare: G vs G Prime
Replies: 45
Views: 2549

Re: Medicare: G vs G Prime

Your mileage may vary state to state and person to person, I have a year of "F" under my belt and could not be happier, one agent wanted me to go "N", but as I read the coverage in Ohio, I paid co-pays that did not go towards my deductible. Then I also had deductible to pay. My first year's increase...
by Morgan Dollar 1921
Mon Dec 16, 2019 5:39 pm
Forum: Personal Consumer Issues
Topic: Seeking recommendations for Hybrid SUV with Excellent Safety Features
Replies: 14
Views: 1794

Re: Seeking recommendations for Hybrid SUV with Excellent Safety Features

Howdy Lexus 450 H Pricey. Also very nice. Skip the nav system if you can. It is and has been a piece of junk on Lexus forever. And 2020 model finally has Appleplay. To those who will denounce me for spending too much and not getting a 2002 Corolla, I paid cash, I can afford it, my wife wanted it an...
by Morgan Dollar 1921
Mon Dec 16, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: What to do? Car dilemma...
Replies: 61
Views: 3648

Re: What to do? Car dilemma...

I am sure few care, but we used to see these situations in a GM shop also, Turbo Sunbird comes to mind, one of the techs used to say, "this owner needs a good full coverage insurance policy and an un-marked railroad crossing. The engineer would fail to see the humor, I am sure. One dealer chain I wo...
by Morgan Dollar 1921
Thu Dec 12, 2019 11:09 am
Forum: Personal Finance (Not Investing)
Topic: State Taxes: Interesting State Border Towns? (E.g., Low Income Tax, Property Tax, Sales Tax combo?)
Replies: 34
Views: 3438

Re: State Taxes: Interesting State Border Towns? (E.g., Low Income Tax, Property Tax, Sales Tax combo?)

Live in TN, shop in KY used to be a major advantage. I have no details, but family and friends who lived close to the border were smiling when taxes became a topic at reunions. They would comment briefly then listen.
by Morgan Dollar 1921
Fri Dec 06, 2019 2:43 pm
Forum: Investing - Theory, News & General
Topic: Unemployment rate
Replies: 37
Views: 2306

Re: Unemployment rate

whodidntante wrote:
Fri Dec 06, 2019 2:40 pm
Morgan Dollar 1921 wrote:
Fri Dec 06, 2019 2:37 pm
Do you believe the cycle is about to reverse again ?
Unemployment will go negative. Or is that interest rates? My bad. :beer
Yes, my thoughts exactly, cannot go negative, and I don't see any plateau at the top or the bottom, only sharp "V" shaped reversals.
by Morgan Dollar 1921
Fri Dec 06, 2019 2:37 pm
Forum: Investing - Theory, News & General
Topic: Unemployment rate
Replies: 37
Views: 2306

Re: Unemployment rate

Do you believe the cycle is about to reverse again ?
by Morgan Dollar 1921
Wed Nov 13, 2019 5:20 pm
Forum: Personal Investments
Topic: SIL retirement puzzle
Replies: 49
Views: 3757

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: 3757

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: 1204

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: 1204

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: 21554

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: 1613

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: 3408

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: 107
Views: 10085

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: 5699

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: 3549

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: 3549

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: 3549

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: 6390

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...