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 > Your search for posts made by 'msmith1199' found 534 matches.

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RE: Unoccupied Home and Homeowners Insurance

I will say I was an insurance adjuster for a short time almost 25 years ago, and I've been a homeowner all my life, and I've never seen this language in an insurance policy for homeowners insurance. Not saying it doesn't exist, but I've never seen it. And if it's not in your policy it would not apply.
msmith1199 10/20/17 04:56pm Class A Motorhomes
RE: DR field & brush mower

So far I'm not feeling any love for a walk behind. Like I mentioned before, I rented one just a few weeks ago to do an acre and a half. After I was done, two days later, I was wishing I had spent the few extra bucks and rented a tractor and done the work in two hours instead of two days. Now if I owned the walk behind, it wouldn't have been so bad as I could have done a little at a time and would never have let it get so big, so a walk behind would work for my 2 acres. But if I had more than two acres to do, I'd get a tractor. Or at the very least the mower that can be towed behind an ATV or UTV. That would be a good compromise, especially if you already own an ATV.
msmith1199 10/20/17 09:06am Around the Campfire
RE: DR field & brush mower

If you guys read the OP's question, he doesn't want to mow all 50 acres. He just wants to clear the fence line. But a 50 acre long fence line is still a lot to do with this walk behind DR mower. DR does make a brush mower that you can tow being a ATV or a UTV. That would work better than the walk behind, but not as good as a tractor.
msmith1199 10/19/17 09:06pm Around the Campfire
RE: Social Security

If the last year you worked was the highest income or near the top, your actual payment will be somewhat lower than the estimate. The SS estimate projects you will receive the same income or greater for the next five years. Best advise, talk to the SS. I went from years of near six figures and six figures then retired and made less than $10k a year for 5 years now working part time. Now it will be 0 for the next 6 years until I'm 62. But I am thinking about getting a job as a Golf Course marshal, so I'm sure that would pay a couple of thousand a year! Read an article today about SS and calculation matrix. Your Social Security payment is figured using a complex calculation based on a 35-year average of your covered wages. Each year’s wages are adjusted for inflation before being averaged. If you worked longer than 35 years, the government will use the highest 35 years. If you worked fewer than 35 years, they’ll average in zeros for the years you are lacking. You don’t have to be a math genius to figure You don’t have to be a math genius to figure out the impact of that -- it drags down your average.out the impact of that -- it drags down your average. If you can avoid zeros by working a couple of years longer, you’ll increase your Social Security payment http://www.myretirementpaycheck.org/Social-Security-Retirement Personal experience....not sure about that 'underlined section' above. I started working at 15 yrs old and paying into FICA I quit working/retired at 50 yrs old and had ZERO income for next 12 yrs until I started drawing SS at 62 yrs old. I never had a six figure salary and yet my SS income at 62 is 1700 PLUS/monthly So your 1400/month figure doesn't sound right based on your six figure income :H The $1400 is what the Social Security Estimate is on their web page. Actually I think it was $1460. But that large income that was subject to social security tax was only 17 years worth. Before that my full time income was not subject to social security, but my part time was. So if you look at my income from the late 70's through 94 it goes from under $1000 to maybe $4000 max. That was just income from teaching at colleges and the police academy and then the part time jobs when I was a kid. Then from 94 to 2011 is the good income and then 2011 back to now is the less than $10k a year. So out of the 35 with social security wages, only 17 years is decent full time income all subject to social security.
msmith1199 10/18/17 05:10pm Around the Campfire
RE: DR field & brush mower

I live on two acres now and about 1.5 of it is pasture with no animals. So the brush got pretty tall over the winter. I rented a mower similar to the DR and it was a beast. But cutting that 1.5 acres with it was a monster task. In the commercials these brush mowers cut through the brush like butter. In real life they don't work that way. I assume you aren't mowing the full 50 acres, but just keep in mind mowing an acre with this DR mower could be an all day job. 5 acres maybe 5 days.
msmith1199 10/18/17 05:01pm Around the Campfire
RE: Social Security

Point If you are in good health, you may want to keep on working! JMHO, Chuck. I'm in good health and still a youngster at 56 and I have no desire to keep working!!!! Other than maybe the golf course marshal job mentioned earlier. But other than that, my plan is to never have a job again.
msmith1199 10/17/17 05:42pm Around the Campfire
RE: Social Security

If the last year you worked was the highest income or near the top, your actual payment will be somewhat lower than the estimate. The SS estimate projects you will receive the same income or greater for the next five years. Best advise, talk to the SS. I went from years of near six figures and six figures then retired and made less than $10k a year for 5 years now working part time. Now it will be 0 for the next 6 years until I'm 62. But I am thinking about getting a job as a Golf Course marshal, so I'm sure that would pay a couple of thousand a year!
msmith1199 10/17/17 05:38pm Around the Campfire
RE: Social Security

Sounds like boat I was in... What happens to ss numbers?....Nothing. Nothing at all...the amount is what you'll get at 62. Less any increases or law changes that happen now till your 62. And all you hear about what options you can take that you see on TV or such... forget it. At age 62 your option is to draw or not draw. 3 months prior I filled out paperwork on-line at home and my bank gets money every month. I was concerned about that to. My job retirement I had to contribute every so often or be subject to a lessor amount. Not SS... the number on estimate is what I got 4 years later. My problem is I have about 10 years worth of employment where I didn't pay into Social Security because it was a Government job, and then I have the 35 years I did pay in which was also a government job but I paid both into a pension and SS. But even the 10 years I didn't pay in for my full time job, I also worked part time teaching college classes so I have a couple of thousand dollars in income for all those years. That's why I have no idea how to figure out how much social security I may actually get. For my 10 years of employment where I didn't pay in, I get a industrial disability pension from that. So what I'd like to be able to figure out, and I can't find it on the SS webpage, is if a disability pension is going to make me subject to the windfall elimination provision or not. I guess at some point I'm going to have to make an appointment and go to the SS office and see if I can figure that all out. All I'm counting on using the social security money for anyway is paying for medical insurance, and it probably don't even be enough to cover that.
msmith1199 10/16/17 08:49pm Around the Campfire
RE: Social Security

I just checked, and I have exactly 35 years where I made money that was subject to social security. And I'll have some income for 2017 that will be social security wages. So I'll have 36 years. So if I'm reading it like you Dutch, if I make zero for the next 6 years, I should still be at the number they used for an estimate.
msmith1199 10/16/17 06:44pm Around the Campfire
Social Security

I know there are some social security experts on here so I have a question for one of you. According to my online Statement I'll get $1420 a month at age 62. But below that it says this figure is based on the assumption that I'll make the same money as last year until I reach 62. Well 62 is still 6 years away and I plan on making $0 wages for the next 6 years as I'm fully retired for now. Does anybody know what happens to the Social Security numbers if you make $0 for the last six years before you start collecting?
msmith1199 10/16/17 06:13pm Around the Campfire
RE: California wildfires could cost US economy $85 billion

But think of all the jobs created at the expense of the insurance companies, and a lot at the expense of the tax payers.
msmith1199 10/13/17 08:53pm Around the Campfire
RE: Forum to discuss banking experiences?

I've been with BofA for 34 years myself and it's time to change. Yes BofA has locations everyplace so it's easy to find an ATM, but you have to use their ATM or you'll get charged both by the ATM and by BofA. As already pointed out many credit unions allow you to use all kinds of ATM's without charge. I think it's USAA where they will actually reimburse you for any fees charged by other banks like if you use BofA's ATM with a USAA card. But my biggest concern with the big bank is how hard it is to get problems fixed. I had two issues involving a large sums of money and real estate transactions. One was a couple of years ago and one was recent. Because I was using a mega-sized bank the problem was going to take weeks to fix! In the most recent one they were telling me up to 14 days which meant my real estate deal was going to completely fall through. I spent over 5 hours sitting in the bank managers office while she climbed multiple levels of heiarchy within the bank trying to get the problem resolved. We eventually got the problem resolved in 2 days versus 14 days, but it was only because I camped out in the lobby of the bank until it was fixed and it was all because they had to climb 15 different levels of managers to find somebody who could make a decision. In smaller bank or credit union the branch manager could have likely fixed the problem in no time. But when you're with the huge banks, the lower level managers are limited in their power. So that's what I'm likely switching a local credit union soon.
msmith1199 10/11/17 04:04pm Around the Campfire
RE: FBI Investigating College Basketball!

Maybe they should just change the rules and let them be paid, but maybe keep some limits on the pay. They generate a lot of money for the school, far more than their scholarships cost. If they just went ahead and paid them too you could eliminate a lot of the corruption that goes with it. Remember back when the Olympics was only for amateur athletes? And all the problems associated with that and all the countries that cheated, like the Russians who simply made all their athletes members of the military so they could pay them? Now the best athlete is all that matters whether you are a pro or not or whether you have endorsement deals or not.
msmith1199 10/01/17 10:21pm Around the Campfire
RE: Chevy Colorado/GMC Canyon

Here is a thread from 2016 I started when looking at the Colorado: Colorado as a Toad
msmith1199 09/24/17 07:09pm Class A Motorhomes
RE: Chevy Colorado/GMC Canyon

I looked at it and was very close to getting one. I ended up with a Jeep Wrangler, but I could have gone either way. The Colorado is a little heavier than the Wrangler (and other toads) but if you have the horse power for it, I think it would make a great toad. The previous toad I had was a Dodge Dakota and having the mid-size truck was nice.
msmith1199 09/24/17 06:46pm Class A Motorhomes
RE: Mud Flaps again

Msmith...how close to the ground are your flaps? My Winne has no rear flaps at all. I never really measured, but I know they aren't very close. They are at the back of the wheel well right aft of the tire.
msmith1199 09/21/17 11:03pm Class A Motorhomes
RE: Mud Flaps again

I've got the stock mud flaps on my motorhome and I've never had any damage to the toad. The only problem I have is if I tow in the rain, the toad is going to be one dirty mess, but I don't think there is anything on the market that really prevents that.
msmith1199 09/21/17 08:15pm Class A Motorhomes
RE: Camper Critters

We plugged any holes in our 5th wheel with steel wool when it was parked outside. No mice. We either live in our mh or keep it in the garage at home. Posted a no mice sign, works like the no gun zones, mice won't come! ?? I had an exterminater tell me about the steel wool trick. The mice will not eat through it. He said it's better than any kind of sealant. I didn't even think about using it in the motorhome. I'll have to give it a try, but I have indoor storage now so I haven't had a mouse problem in a while.
msmith1199 09/20/17 11:26pm Class A Motorhomes
RE: Camper Critters

It depends upon where you park the camper. If you park beside a corn field, you can expect critters. If you are parked inside a barn, or beside a barn, you can expect critters. If you live in a town and park in a concrete suburbia, you probably won't have any critters. Somebody forgot to tell the mice in the concrete suburbia where I use to live to stay out of the motorhome.
msmith1199 09/20/17 10:41am Class A Motorhomes
RE: Maximum Driving Length and License

Doesn't have to be a sign. Just go drive through Nevada and look at all the trucks towing three trailers or two 53 foot long trailers. Then ask yourself why those trucks stop near the California border and break down their load and only tow two smaller trailers or one 53 foot trailer. It's because Nevada law allows it and California law does not allow it. How do you relate a triple tow to a Motorhome ? I didn't. I was pointing out that length and towing laws change by state and you have to comply with the State law. I believe you are the one who said if you are good in your home State you are good in any state aren't you? That only applies to drivers licenses, not length and towing laws. The Triple tow in Nevada versus California was just an example of that. It's not Federal DOT rules that change between states, it's state law.
msmith1199 09/15/17 10:36am Class A Motorhomes
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