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  1. M

    Learning Microsoft Office

    I know there's online classes. That's not for me. Live, in person classes. For someone who is VERY basic in computer knowledge, and suggestions where to go learn Excel and Powerpoint? Goal isn't to be an expert, but to be able to know enough that the average job holder today knows. Thanks
  2. M

    Any McDonald's Shareholders?

    My goals for hitting consistent singles and doubles....less than that sort of hurts, more than that is a bonus. MCD has been - by my standards a core holding and over the last 3 years I've done well with it. And I still totally believe in the growth story - yet a few months ago I read that...
  3. M

    CHIP Insurance for Kids

    Hi..... I'm still looking into the specifics but it appears my income must've come in a lit bit low in the previous tax year. Yes I wanted it to appear low obviously to cut the tax bill and get healthy ACA credits - both of which have happened satisfactorily for 3 years now. So I get mail...
  4. M

    Clogged Drains: Plumbing Knowledge?

    Seems I can't win with my house:) In the kitchen there's (2) sinks both on the same counter at either ends. Years back one of them wasn't draining, and someone came out, used a camera and "snake" and all was well. Anyhow, same problem now. So a guy has come out.....spent considerable...
  5. M

    Advice on Fireplaces please

    I have 2 gas fireplaces. House has a basement, main level, and an upstairs - both fireplaces are on the main level in 2 different rooms. In 11 years of living here, we've NEVER EVER used them. I'm going to call a fireplace company out - and my goal is to see if either of these work, and to...
  6. M

    Basement: Suddenly Cold and Drafty

    House: Huge- but not well built I'm told the builder way back when was going broke and cut corners (1992 build) 6600 SqFt. Stucco house. Windows....how do I put it eloquently-----suck. The house had always been drafty in the winter. (Philly....40's outside). BasementL Only one small...
  7. M

    ETRADE: Does your balance fluctuate

    Fluctuate as in - for no reason that you can identify? There's times where my ETRADE account I feel doesn't make sense. The balance I 'feel' is a few bucks off. By balance I mean the total total number, cash plus equities. Last night, 10:04pm just to experiment, I took a screenshot...
  8. M

    "Investing" in Medicare and SS

    I am 48, Wife is 45. RE'd 3 years ago. Pre-Future cuts in benefits, they say I'd get $2.308 per month at age 62. Wifey has never ever worked not one day. I've been toying with the idea on putting her on payroll with hopes of accruing certain benefits and was hoping someone might critique if...
  9. M

    Opinions on these bonds

    I posted similar once before and I thought it was a quality discussion hence I'll do it again. Actually got a lovely email from someone saying they always wanted to ask this but were shy so I guess I'm the Union Steward of the Yum-Yum section of the class. I am *not* trying to be lazy and not...
  10. M

    Increasing SS payout

    Hello. my final year for FICA withholding was 2021 - age 46. I'm looking at my SS statement, it shows 1981-1990, $1,136 in taxed earnings. (I was a kid) From 1991 until 2021 it shows yearly FICA taxable earnings being anywhere from $37,000 to $142,800 per year. Total I paid: $146,000. Total...
  11. M

    How do you start/operate a website?

    Disclosure: I still mostly use DVDs, and frankly wish I had a VCR still blinking 12:00 -- that's how tech savvy I am :) I don't mean just a blog. Or a simple website I think starting those are kind of step by step, not hard. I mean - a real, usable public website. For instance, ike this site...
  12. M

    E-trade Account, VMFXX, Dividends

    Any E-Trade accounts out there? Few things I'm wondering about. On 9/1 the accounts were transitioned to Morgan Stanley. And there's a notice that reads: "If you have a dividend being paid soon after your transfer date, there may be a delay of up to 2 business days before it is reflected in...
  13. M

    Serenading the Early Retirement Group

    Ok, so I sort of resent the Digital World. I really do. Phones, texting, social media, all of it. Not trying to get into a debate about it but I feel it's brought more evil than good, and frankly - other than YouTube or a few forums like this, I refrain. I have no "streaming" - I have DVDs and...
  14. M

    Do you use ValueLine

    Hello.... Curious if anyone here subscribes to, and uses ValueLine -- and if so, what do you use it for? What do you seek re stock research? Thanks
  15. M

    Would you invest in this bond?

    I"ve never invested in individual bonds. Of course I've been researching, reading the basic theory, etc. I'm not here asking the smart kids to do my homework for me on the contrary this is part of my homework. It's not that I'm asking for a recommendation, what I was hoping some of the...
  16. M

    Kids and House Down Payment

    As usual I like to worry about things that have nothing to do with right now. DD/DS are 15 and 10 respectively. Most of you are much more seasoned than I am so I thought I would ask. Did you help your grown kids with 1st house purchase? If so what did you do? Also.... when the kids were...
  17. M

    Nursing - in the end, is humanity

    Yep good ol humanity. We are all great, good, sort of mean, and total jerks. It takes all shapes and sizes of us to make the world go round but sometimes - I guess frustrated. Teenage DD was diagnosed with rather serious Scoliosis 1 year ago. Curve was too severe and only major surgery would...
  18. M

    Anyone insured a big house?

    Long story short - I overbought vis a vis house about 8 years ago. Was on top of the worlds business-wise, didn't anticipate having to retire, get out of business so soon. Current value: 1.75 million. 6600 sq feet........ NO fire hydrants, whole neighborhood is on private wells. No mortgage...
  19. M

    Science of Happiness

    Nice. non partisan, good humored interview on CNBC with a Harvard professor, re the Science of Happiness. For this writer, who revels in the "things were better back in the day" mentality - much of this was obvious but still the professor was articulate and very interesting to watch...
  20. M

    Stocks discouraged me this week

    Ok not demoralizing - stocks go up and down. But geez. Most of my 'core'..... Proctor General Motors Coca Cola Pepsi McDonald's With exception of PG the others - are down after great announcements. But the ribeye lunch I just made - was spectacular. So there's that.
  21. M

    Any Verizon (VZ) opinions?

    "But". I know it's not wise to chase yield. But.... As of now it would be yielding over 7% --potentially tax favored if held long enough. Depending where you look, dividend payout ratio looks around 52%. Any opinions on this one and telecoms in general? Thanks
  22. M

    Foreign Accent Syndrome

    Certainly not downplaying the plight of the patients. I can across this messing around on YouTube and I gotta say it's both scary, and downright cool to me. People have a procedure done - and then bam - a side effect is having a 100% true passable foreign accent. They show a lifelong Texan...
  23. M

    When Treasuries Mature....

    Sorry for this basic question but it's my first time ever with a Treasury maturing. CUSIP #: 912796Y60 Security Type: 4-Week Bill Par Amount: $8,000.00 Price per $100: 99.651556 Issue Date: 01-24-2023 Maturity Date: 02-21-2023 Number of Reinvestments: 0 Today I see an "early deposit" in my...
  24. M

    Peculiar E-Trade phone call

    So on the other end of the phone was a fellow telling me he's my advisor, account exec - honestly I forget the title he used. He then politely informed me that I had lots of money in VFMXX and that he could get me a better rate. (I believe VMFXX is 4.4-4.5% these days.). I felt a bit...
  25. M

    My thought process - 4 year money

    I had asked this a few years ago here and really appreciated the discussion. Bottom line: I want to have $200k in the hopper, ready to go for college money in 4 years. Not saying $200k will cover it all- but that's what I want to know is ready. Won't need it all on day one - for argument...
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