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Just curious if anyone has used this site or taken their course. Looking for feedback to see if it's worth the cost. It's like a course to guide through "mid-life crisis" things and having a purpose going forward. https://www.modernelderacademy.com/

After removing them from the ACA insurance, does whether or not I claim them as a dependent affect the subsidy? IE, do I have to factor in their income to my subsidy amount in order to be able to claim them as dependents? I don't think it matters if I claim them or not. I think that only affects...

I need help with a similar, but different issue. I'm in Maryland, first year on the MD health connection. I signed us up beginning this year as a family of 4. In September, both kids got jobs with health insurance :dance: I had planned on a pretty significant subsidy. Should I maintain the...

Thanks for all the advice. I called the billing department and explained the situation. The person was very apologetic, froze the account and sent it for review along with her detailed notes. (It was also apparently a recorded line, probably a CYA thing for them.) She said it would take a few...

In April, I went to the ER for fear I was having a stroke. (I had some symptoms that could have been caused by artery dissection--Horner's syndrome and severe headaches.) They did a CT w and w/o contrast of head and neck. The person who reviewed the images said everything was normal, so they...

Curious if others would allow their adult children to continue to live at home on the stipulation that they pay rent and expenses?

Did you land clear of the rocks or were you stopped from taking that leap? I don’t know what it is about heights that makes me feel similar. I also enjoyed the doc. Amazing. Another great climbing movie (not a doc, but based on a true story) is North Face.

For things that are mostly made of metal, look for a metal recycler. They will buy by the pound. Prices vary based on the type of metal. Copper wires, power supplies, copper plumbing pipes, etc can make some decent money. I once rented a uhaul trailer and took 2 dead lawn tractors, an old water...

I try to swim 3x per week and try to get all strokes in, but I haven't been doing it long enough to push myself real hard. I have an mp3 player and earbuds for entertainment, but they don't stay in very well and I waste too much time futzing with them. The other pain is getting to the pool at a...

Shoes seem to be today’s big collectible trend... and stuff from ‘Supreme’

I use melatonin occasionally, but is it safe for long-term daily use? Also, seems like no matter what I do I only sleep 6 hours max at a time...

It's that time of year again... Our kids are now 23 and 21, the youngest is a senior in college. DW and I argue about what to spend on them for Christmas gifts. I know this is subjective, but curious what others do...

Just called CVS to inquire because I need a second dose. Got my first one in April. They said they are keeping a list of the people who got the first dose (since February) and are calling them in order as they receive supplies. I said that's the first I'd heard about that and that I'd not asked...

How do you buy the equipment yourself? Online? The local places won't sell to homeowners, in my experience. How did you find the HVAC guys willing to install without selling the equipment? Angie's list or just calling the companies that normally sell the full systems installed? Thanks for info!

Funny story, my blower died in 2013. I found a replacement on Amazon for $164 and installed it myself. Running like a charm ever since. Yes, I'm cheap! (that's why I'm here ;D) Maybe I could rewire it to use an ECM... but Im not that smart.

I guess I could install a mini split near my return (or one by each return) and just run the current system's fan whenever I wanted to distribute the air. Hmm. I wonder if that makes any sense... My quotes for replacing my systems were: $8,700 for a 2-stage XV80/ XR16 Trane upstairs and $9,800...

I have 2x20 yo forced air builder-grade systems (York) that will probably need replacing soon. In getting a couple estimates, the installers have commented that variable speed systems are less reliable/need repairs. I don't know if that comment is accurate or driven by some motivation? I would...

I’m due for my second round. After the first shot, I had flu-like chills over night. Was hoping #2 wouldn’t be so bad, but if it’s worse... ugh. Wondering if I should get it as early as possible or as late as possible in the day? I struggle to get good sleep as it is.

I went back to the same CVS and was able to get the shot and they did not say I needed a prescription, so the first person must not have known that Shingrix is good for 50+. The $167.99 was fully covered by my insurance (I think it was via my CVS Caremark prescription card). I did have one of...

CVS told me 50-59 yo requires a prescription, while >60 doesn’t. I don’t understand this requirement. It wasn’t related to insurance, as she didn’t even ask about my coverage. I want the shot, but the inconvenience stinks. (DW and DBIL both got shingles in their 50’s.)

We have 19 year old York Diamond 80 systems and never paid for annual visits. Only 1 service visit, before DIY shift. I've had a few issues, but most often resolved with a capacitor change-out (<$10 on Amazon. Most local plumbing houses don't want to sell to DIYers). Other issues that I did...

Thanks for the feedback. Good to know they don't need an attorney to get involved. LTD only covers 60% of salary and they can't afford to give any of that away. The Hartford's FAQ says they can "introduce you to a qualified Social Security Representative" who helps with the filing and can be...

I think we all have a "breaking point" when it comes to clutter and sometimes make rash decisions to find relief. I have lots of old electronics that I keep thinking would be worth selling, but keep procrastinating because I don't want to deal with figuring out ebay or have to interact with...

BIL has had major back problems. He had surgery, which fixed one part, but created new pains that have kept him out of work. Fortunately, he has been paying for LTD through his job for 30 years. His policy is with the Hartford. His date of disability is 12/2016. He just got a note from his...

A lot of ground to cover in 25-minute episodes, but they do have the sources posted (and they appear during the show in fine print): truTV - Adam Ruins Everything - Adam's Sources - Adam Ruins the Suburbs It's called "Adam Ruins Everything" for a reason, he's a real downer...