Search found 102 matches

by MildlyEccentric
Fri Nov 20, 2020 8:37 pm
Forum: Personal Consumer Issues
Topic: Filling a short term health insurance coverage gap
Replies: 10
Views: 611

Re: Filling a short term health insurance coverage gap

If the plan does indeed end mid month, he could check out a catastrophic or short term plan. I checked into short term plans and ended up submitting an application to one of the short term plan providers. The provider had a 30 day minimum policy, but permits cancellation with a pro rated refund for...
by MildlyEccentric
Fri Nov 20, 2020 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance (ACA) for adult child 26+
Replies: 51
Views: 1309

Re: Health insurance for unemployed 26 year old

If you want to try the Medicaid route, you might have to answer the question of whether your son is an adult dependent (i.e., his income is under $4,300 and you arrange for more than half of his support.) If so, you may have to consider your total household income when determining Medicaid eligibili...
by MildlyEccentric
Wed Nov 18, 2020 12:12 am
Forum: Personal Consumer Issues
Topic: Filling a short term health insurance coverage gap
Replies: 10
Views: 611

Re: Filling a short term health insurance coverage gap

I misread your initial post and after reading it again, I don't understand why your son signed up for ACA starting Jan 1 if he knew his Cobra coverage was running out on Dec 15th. When you Cobra runs out, that is considered a qualifying event and he should have signed up for an ACA plan starting on...
by MildlyEccentric
Tue Nov 17, 2020 1:14 pm
Forum: Personal Consumer Issues
Topic: Filling a short term health insurance coverage gap
Replies: 10
Views: 611

Re: Filling a short term health insurance coverage gap

The reason you got denied is because you are only wanting a two week policy. You can cancel ACA at any time though you are on the hook for the entire month. I would sign up, pay the first month's premium and then cancel it after two weeks when the other insurance policy is in effect. As part of the...
by MildlyEccentric
Mon Nov 16, 2020 8:01 pm
Forum: Personal Consumer Issues
Topic: Filling a short term health insurance coverage gap
Replies: 10
Views: 611

Re: Filling a short term health insurance coverage gap

You may want to reverify this first. As far as I know, as per COBRA, the coverage is by the whole month. Unfortunately, the COBRA coverage does stop on the 15th. The one compensation is the premium is half of the prior months. If the plan does indeed end mid month, he could check out a catastrophic...
by MildlyEccentric
Mon Nov 16, 2020 11:59 am
Forum: Personal Consumer Issues
Topic: Filling a short term health insurance coverage gap
Replies: 10
Views: 611

Filling a short term health insurance coverage gap

I’m trying to assist my adult son (34 years old) in obtaining health insurance to fill a gap in his coverage. He currently has COBRA coverage and is starting an ACA (Obamacare) policy January 1. The problem is the COBRA policy stops on Dec. 15. I figured since he was losing his insurance, he would q...
by MildlyEccentric
Sun Sep 20, 2020 9:22 am
Forum: Personal Investments
Topic: How long does it take for your 403b/401k contribution to show up after payday?
Replies: 29
Views: 1321

Re: How long does it take for your 403b/401k contribution to show up after payday?

A google search provides the following information from an IRS webpage for 401k contributions. Businesses should make the contribution as soon as they can, but in no case later than the 15th business day of the month which follows the month in which the contribution is made. This deadline is not a s...
by MildlyEccentric
Thu Sep 10, 2020 11:51 am
Forum: Personal Consumer Issues
Topic: Miele Appliances for New Build Condo
Replies: 43
Views: 2819

Re: Miele Appliances for New Build Condo

We inherited a Miele vacuum cleaner. It worked well, but eventually developed an intermittent connection in the power cord retractor. This is a fairly common problem in the unit and can can be repaired, but the replacement part is over $100 not including installation. The vacuum appeared to have a h...
by MildlyEccentric
Sun Aug 23, 2020 5:19 pm
Forum: Personal Consumer Issues
Topic: Renting a washer/dryer for a couple of months until I get a deal on a new one?
Replies: 19
Views: 1545

Re: Renting a washer/dryer for a couple of months until I get a deal on a new one?

When I was selling my last house, my washer, which conveyed, broke after contract signing and before closing. I talked to my realtor and they knew someone who just bought a house and had an extra washer/dryer (they brought their own which they liked, and the prior home owners didn't want to move the...
by MildlyEccentric
Sun Aug 16, 2020 10:10 am
Forum: Personal Consumer Issues
Topic: Matcha green tea
Replies: 13
Views: 1220

Re: Matcha green tea

Harney & Sons sells matcha tea online. I can't comment on whether their matcha tea is superior or not, but they are generally considered a quality tea supplier.
by MildlyEccentric
Thu Jul 30, 2020 9:59 am
Forum: Personal Consumer Issues
Topic: Rechargeable batteries AA AAA etc.
Replies: 36
Views: 2111

Re: Rechargeable batteries AA AAA etc.

BigClive, a youtube content creator that does videos on electronic topics, recently did a review and teardown of JUGEE rechargeable lithium batteries. The batteries seemed to be of very high quality. The review is at https://www.youtube.com/watch?v=dakm4ra8Xv0 . You would need likely need a charger ...
by MildlyEccentric
Fri Feb 21, 2020 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Has the Turbo Tax activation code issue been fixed?
Replies: 7
Views: 1559

Re: Has the Turbo Tax activation code issue been fixed?

I bought a download version of TurboTax at the end of December which I've been using without a problem. Today, it demanded that I enter my "activation code" before it would allow me to proceed. I dug through my Amazon emails from December and found the license number in my order acknowledg...
by MildlyEccentric
Sat Feb 01, 2020 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1021
Views: 322127

Re: Retiree Portfolio Model

Perhaps the IFERROR function which was introduced in 2007 could be used instead. Bigfoot is overly generous with the thousands of hours he has put into developing and maintaining RPM for the Bogleheads community at large. It is not fair to ask Bigfoot to do such as massive change, assuming it would...
by MildlyEccentric
Sat Feb 01, 2020 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1021
Views: 322127

Re: Retiree Portfolio Model

I have a theory on the #NAME and other errors that occur when using RPM 20.0a with the 2007 version of Excel. I think the problem is with the use of the IFNA function in the "Details" tab of the spreadsheet. I believe IFNA was introduced in the 2010 version of Excel and is not supported in...
by MildlyEccentric
Tue Jan 28, 2020 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1021
Views: 322127

Re: Retiree Portfolio Model

I'm still experiencing an anomaly with RPM and Excel 2007. I can download a copy of the spreadsheet which starts with no errors. I experimented a bit and found I can enter data into many of the cells on the Setup tab without a problem, however, if I enter data into the "Your_age" cell (cha...
by MildlyEccentric
Tue Jan 28, 2020 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1021
Views: 322127

Re: Retiree Portfolio Model

I also experienced the same problem as RangelyLake. I took the original downloaded file and created a new working copy by doing a "save as." The new copy immediately exhibited errors (#NAME showing up all over as well as other anomalies). The original copy of the spreadsheet does not exhib...
by MildlyEccentric
Wed Nov 27, 2019 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Anybody Switching to Medigap G (High Deductible)?
Replies: 15
Views: 1324

Re: Anybody Switching to Medigap G (High Deductible)?

I considered it, but I believe it would involve passing a medical underwriting check. Some articles have warned of a potential cost spiral for F as there would be no younger participants entering the program. I don't understand why they're closing off the high deductible F as the stated logic is CMS...
by MildlyEccentric
Sat Oct 19, 2019 9:43 am
Forum: Personal Consumer Issues
Topic: One thing to check when buying a used car privately [wheel locks]
Replies: 20
Views: 2517

Re: One thing to check when buying a used car privately [wheel locks]

I had factory wheel locks on my car. I happened to notice the key for the locks was missing. The key disappeared around the time I took my car in for a mandatory state safety inspection, so I made the assumption that the inspector forgot to return the key to the car. I went back to the gas station t...
by MildlyEccentric
Thu Sep 12, 2019 11:58 am
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 10897

Re: How old is your cellphone?

I have an LG VX5500 flip phone. The phone came out in 2008. It can probably go a week without charging.
by MildlyEccentric
Sat Jun 22, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 6611

Re: Do you Casino? What do you play? Have you won?

I once hired a tech writer who claimed he used to be a card counter at blackjack. He told me he would sit and play all day five/six days a week and make about 30K/year. Essentially, he got paid less per hour than he did working as a tech writer and with no benefits. Of course if you were thinking bi...
by MildlyEccentric
Fri Jun 21, 2019 9:28 am
Forum: Personal Consumer Issues
Topic: Prius vs Prius Prime (plug-in)
Replies: 78
Views: 5488

Re: Low Prius Inventory-change strategy?

Our 2006 Prius has served us well. It has over 200,000 miles on the odometer, and is still going. Maintenance costs have been low, but I generally do my own repairs. It's been comfortable on trips, and there is reasonable room in the back seats. Gas mileage for me is probably 45 mpg currently, but i...
by MildlyEccentric
Mon May 06, 2019 9:51 pm
Forum: Personal Consumer Issues
Topic: Indian cookbooks
Replies: 25
Views: 2938

Re: Indian cookbooks

For Indian recipes on youtube, try Manjula's Kitchen.

For vegetarian recipes on youtube there are many options:
The Whole Food Plant Based Cooking Show
Peaceful Cuisine
The Vegan Corner
Hot for Food
Potato Strong
Mary's Test Kitchen
by MildlyEccentric
Tue Apr 30, 2019 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Rolled over and melting down
Replies: 72
Views: 7701

Re: Rolled over and melting down

I feel trapped in TIAA with this money as it's my understanding that you cannot roll out of the plan that you are currently contributing to with your employer. Does anyone here know if that is true? You might be able to do an "in service" rollover, but not all plans permit that option. If...
by MildlyEccentric
Fri Apr 19, 2019 9:57 am
Forum: Personal Consumer Issues
Topic: Air Purifier for Bedroom?
Replies: 17
Views: 2368

Re: Air Purifier for Bedroom?

We've used a Winix air purifier with a HEPA filter. Some allergies are related to dust mites. To attenuate dust mites, put an allergy specific mattress cover over your mattress and wash your sheets once a week in hot water (130F+). Alternately, run them through a dryer at 130F+. We also use better q...
by MildlyEccentric
Tue Apr 09, 2019 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Broadly Written Non-Competes
Replies: 12
Views: 1235

Re: Broadly Written Non-Competes

I was presented a number of years ago with a broad non-compete agreement to sign after working at a company for a number of years. I didn't want to sign, so I attempted to use one of the strategies previously mentioned, I ignored it. This worked for quite a while, but eventually the company figured ...
by MildlyEccentric
Sat Apr 06, 2019 11:32 am
Forum: Personal Consumer Issues
Topic: French movies on Netflix
Replies: 40
Views: 3015

Re: French movies on Netflix

I enjoyed "Call My Agent" which you can stream on Netflix. It's a series not a movie, so if you like it, there are many episodes. The French title is "Dix pour cent", and it is one of the top rated shows in France. It don't know what the US rating would be, but likely it's more m...
by MildlyEccentric
Sat Mar 30, 2019 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Anybody else get a huge tax increase due to SALT deduction changes?
Replies: 101
Views: 8481

Re: Anybody else get a huge tax increase due to SALT deduction changes?

I've been itemizing my deductions for decades, but that changed this year. Despite paying property taxes and mortgages on two homes, the standard deduction beat out the itemized deduction this year. The main reason was the capping of the SALT deduction which reduced the SALT portion of my itemizatio...
by MildlyEccentric
Sun Mar 17, 2019 8:30 am
Forum: Personal Finance (Not Investing)
Topic: AmEx Blue Cash Everyday Card
Replies: 26
Views: 3339

Re: AmEx Blue Cash Everyday Card

I make regular and frequent use of my AmEx Blue card and every few months, AmEx mails me and asks if I would like to increase my credit limit on the card. I haven't bothered as I don't need the additional credit, and they want me to verify my current income in order to qualify. Evidently, usage of t...
by MildlyEccentric
Wed Mar 06, 2019 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Unexpected Issue with our Umbrella Policy
Replies: 30
Views: 3981

Re: Unexpected Issue with our Umbrella Policy

Why not just get the 250/500 ?? Seems "reasonable" to me -- and I suspect the premium increase may be "noise level" OP here. DW and I have 250/500 on our vehicles as is required for the umbrella policy. My son owns his own car and has his own auto policy. I agree that the premiu...
by MildlyEccentric
Wed Mar 06, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Unexpected Issue with our Umbrella Policy
Replies: 30
Views: 3981

Unexpected Issue with our Umbrella Policy

While renewing our long standing personal liability umbrella policy with our insurer, DW and I hit a snag. Our insurer requested proof our adult 32 year old son, who lives with us, has 250/500 liability coverage on his automobile insurance policy. While I was puzzled by the request, I checked, and h...
by MildlyEccentric
Sat Jan 26, 2019 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Roth "Transfer on Death" - Taxable Distribution?
Replies: 6
Views: 781

Re: Roth "Transfer on Death" - Taxable Distribution?

Thank you for your reply. The situation is close to what you say but with the minor(?) caveat that he actually opened a new account instead of retitling the old one, so I worry that the money has technically "only" been in his name/ account for a year, even though Mom had it in there for ...
by MildlyEccentric
Tue Jan 22, 2019 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Roth "Transfer on Death" - Taxable Distribution?
Replies: 6
Views: 781

Re: Roth "Transfer on Death" - Taxable Distribution?

My non-expert understanding is that your father is the surviving spouse and beneficiary of your mother's Roth IRA. He selected the option to retitle the account into his name at your mother's passing. Since the 5 year rule was satisfied by your mother, any withdrawals from the Roth account should be...
by MildlyEccentric
Fri Nov 02, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Engineering school
Replies: 83
Views: 8310

Re: Engineering school

CWRU in Cleveland, OH.
by MildlyEccentric
Mon Sep 24, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: Solar Power question: SREC vs Net Metering
Replies: 3
Views: 458

Re: Solar Power question: SREC vs Net Metering

I have a 5.6 kW solar array on my roof with net metering (in Virginia.) I sell my SRECs through Sol Systems. I believe my SRECs are valued strictly on the theoretical production of the array regardless of the amount of energy I consume. When I began selling the SRECs, I sent in a photo of the system...
by MildlyEccentric
Sun Jul 29, 2018 10:31 am
Forum: Personal Investments
Topic: Firecalc Says No Benefit to a Higher Equity Asset Allocation??
Replies: 47
Views: 5093

Re: Firecalc Says No Benefit to a Higher Equity Asset Allocation??

Try it with a larger portfolio value. Leave all other entries the same. I did. The success rate drops on the right about 15%. But that isn’t my spend profile. I must be missing something. Are you saying that starting with a larger initial portfolio and keeping everything else the same (spending, as...
by MildlyEccentric
Thu Jul 12, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 6843

Re: Anyone take naps at work?

Years ago when I was working on a project, we had someone from out of town come in to support the effort. He said he didn't really sleep at night, but whenever there was idle time on the project when he wasn't needed, he would put his head down on his desk and nap for 5 or 10 minutes. He also joined...
by MildlyEccentric
Sat May 26, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Lifting Heavy Objects onto a Vehicle Cargo Tray; Need Ideas!
Replies: 30
Views: 3369

Re: Lifting Heavy Objects onto a Vehicle Cargo Tray; Need Ideas!

If you think ramps could work, I bought some "ramp top kits" on amazon for about $20. You attach them to some 2X8 lumber and create your own set of ramps. I used them to load a riding lawnmower into my pickup truck. Not as heavy duty as the motorcycle ramps, but economical. I don't know ho...
by MildlyEccentric
Fri May 04, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Growing Fruit Trees and Shrubs
Replies: 30
Views: 3452

Re: Growing Fruit Trees and Shrubs

We have figs, apples and cherries. The fig trees were the lowest maintenance and very prolific producers. The apples did not do well unless they were sprayed regularly. With the cherries, you have birds and other creatures who will snack on them. My neighbor with 600 cherry trees had to spray freque...
by MildlyEccentric
Fri Apr 13, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Picture duplicates on hard drive
Replies: 8
Views: 1110

Re: Picture duplicates on hard drive

I've used the free version of the aptly named Duplicate Cleaner which works for all file types, not just image files. The software is from DigitalVolcano. There is also a "pro" version of the software which is not free.
by MildlyEccentric
Thu Apr 12, 2018 6:40 pm
Forum: Personal Investments
Topic: When to sell individual stock following merger announcement?
Replies: 22
Views: 2205

Re: When to sell individual stock following merger announcement?

I held Northrop Grumman (NOC) stock in early 1998 when a merger between Northrop and Lockheed was announced. The NOC stock price shot up. I decided to hold onto NOC in order to extract the maximum value from the merger. Ultimately the US government decided the merger was a bad idea, the merger did n...
by MildlyEccentric
Fri Feb 16, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Laid off ...next steps
Replies: 31
Views: 6226

Re: Laid off ...next steps

If you are still looking for a job after your current employer stops their contribution to COBRA, look into switching over to a healthcare.gov plan. Loss of the employer contribution begins a special enrollment period and would allow you to enroll in an ACA plan outside of the normal signup window.
by MildlyEccentric
Wed Oct 25, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Do I Need a Chimney Cap?
Replies: 28
Views: 4291

Re: Do I Need a Chimney Cap?

After having a family of racoons taking up residence in our chimney, I installed a chimney cap on our chimney. Evidently chimneys are desirable housing for racoons. It was about $50 for a stainless steel cap from Home Depot. Took about 5 minutes to install, but it does involve working on the roof.
by MildlyEccentric
Wed Sep 13, 2017 8:39 am
Forum: Personal Consumer Issues
Topic: Secure File Transfer
Replies: 6
Views: 939

Re: Secure File Transfer

Depending on the software you have available, you might be able to use the encryption features in one of the MS Office products such as Word or Excel. There is also the ability to encrypt pdfs in some of the Adobe Acrobat products. Another issue to consider is the email scanning/security software at...
by MildlyEccentric
Tue Aug 22, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Poker Software
Replies: 11
Views: 2213

Re: Poker Software

You might want to look at competitive bridge (duplicate bridge) as an alternative. It's good brain exercise and pretty much legal everywhere. Good websites are acbl.org and bridgebase.com.
by MildlyEccentric
Sun Apr 30, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: Wrist based heart rate monitors
Replies: 35
Views: 3346

Re: Wrist based heart rate monitors

From looking at the Amazon reviews and online specs, I am going to get the Polar FT7 Heart Rate Monitor. Since it will be mainly used in the gym, no need to pay for GPS capabilities. Based on what I've read, the FT7 picks up your heart rate through the Polar H1 heart rate sensor which is worn on a ...
by MildlyEccentric
Sat Apr 29, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: Wrist based heart rate monitors
Replies: 35
Views: 3346

Re: Wrist based heart rate monitors

My DW has a Fitbit Charge HR which has a pretty OLED display, but does not connect with the treadmills at the gym. I use a Polar Bluetooth H7 which does connect with treadmills and works very well, however the H7 is on a chest strap which is not as easy to put on as the wrist monitor. The H7 also co...
by MildlyEccentric
Sun Apr 09, 2017 1:03 pm
Forum: Investing - Theory, News & General
Topic: FT - Ed Thorp: the man who beat the casinos, then the markets
Replies: 12
Views: 3950

Re: FT - Ed Thorp: the man who beat the casinos, then the markets

Nice article, but it leaves out some things that Thorpe took advantage of, including rules that have changed. So it wasn't all mathematical smarts and insights and contraptions. Perhaps it wasn't fun anymore because some of the things he was doing were not quite legal anymore. I believe Thorp's edg...
by MildlyEccentric
Sun Apr 09, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Should I Pay some Estimated Taxes?
Replies: 14
Views: 2114

Re: Should I Pay some Estimated Taxes?

I suggest you look into the "safe harbor" provisions for estimated tax payments. I believe that as long as your withholding payments equal or exceed your federal taxes owed the prior year, there will be no penalty. Of course you might have a big tax bill at tax time, but there should be no...
by MildlyEccentric
Thu Mar 16, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 9165

Re: Suspicious organic products

There has been information in the news regarding the presence of arsenic (a heavy metal) in food. Consumer Reports has published specifically on arsenic in rice which is evidently not restricted in the U.S. except in the case of infant rice cereal. Arsenic is an element which occurs naturally in the...
by MildlyEccentric
Thu Mar 09, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 70
Views: 11355

Re: Zero-Turn Mowers

I've had a Hustler Raptor for about a year and I've been happy with it so far. It is available from Lowes.