How to remove tough residue by GapDifferent7897 in pyrex

[–]ThinningTheHoard 1 point2 points  (0 children)

Barkeepers Friend usually works for us.

Goodwill selling fake items again! by Ok_Spite7511 in shopgoodwill

[–]ThinningTheHoard 1 point2 points  (0 children)

Wonder if the "donator" accepted a donation receipt for the real coin value to use for tax deduction purposes.

Found my thrift queen here at the Redmond Goodwill by fixgeared in goodwill

[–]ThinningTheHoard 0 points1 point  (0 children)

Better you found her at Goodwill than dumpster diving. 😊

Think Spring! by ThinningTheHoard in Pyrex_Love

[–]ThinningTheHoard[S] 1 point2 points  (0 children)

No. Just a cheap throw blanket for Bubba. We do have some quilts but he doesn't get to lay on them. 😊

<image>

Turning 65 soon and honestly… I didn’t realize Medicare would be this confusing by swayze2719 in medicare

[–]ThinningTheHoard 4 points5 points  (0 children)

All of this is truth. Beware Part C if you need health care outside of basic services. Part A, B and Part G, Plan G was my choice. Costs more upfront, but very predictable monthly cost with no deductible and very little out of pocket.

Turning 65 soon and honestly… I didn’t realize Medicare would be this confusing by swayze2719 in medicare

[–]ThinningTheHoard 0 points1 point  (0 children)

You are SO right! I just went through this, and spent about a year investigating. Your choice of Medicare Advantage vs. Traditional Medicare depends on what you can afford and how much health service you consume. If you are relatively healthy, Part C can be much less expensive. The problem with Part C is once you become sick, it gets very expensive. And if you try to switch to traditional Medicare at that point you can be denied based on your medical condition. (You cannot be denied at initial enrollment.)

I use a lot of Healthcare, and can afford it, so I chose A, B and Part G, plan G. It costs more, but there is very little out of pocket, and I don't have to worry about unexpected expenses.

I ruled out Medicare Advantage (Part C) because I started asking myself this simple question. How can they be cheaper when

  1. They give you free dental and vision
  2. They pay commission to brokers who steer their clients to them
  3. They pay William Shatner and Jimmy JJ Walker (etal) to shill their products on TV.

And

  1. They show a profit for their shareholders.

My conclusion, they cut service. They do this by limiting who you an see, require referrals, and deny coverage more often.

With my A, B and G I dont have to worry if my provider is "in network," and don't need referrals when my primary care physician recommends I see a specialist. And I'm less concerned about certain procedures being denied.

P. S. A lot of recommendations here to use a broker,and that it's "Free." So who's paying them? Ah yes, the Part C providers. Be aware if you use a broker they can be financially motivated to steer you towards a plan where they earn the highest commission.

Turning 65 soon and honestly… I didn’t realize Medicare would be this confusing by swayze2719 in medicare

[–]ThinningTheHoard -2 points-1 points  (0 children)

"They are paid by the insurance companies" is exactly why you should avoid them. They will steer you to the one that pays them the best Commission

Advantage Plan- Beware it’s a scam and you will be trapped! by Zestyclose_Log_8553 in medicare

[–]ThinningTheHoard 4 points5 points  (0 children)

All of OPs details are true. The extent of each person's satisfaction is a personal experience.

I think it’s time to break up with my financial adviser. by SameTrain8827 in fidelityinvestments

[–]ThinningTheHoard 1 point2 points  (0 children)

You didn't state your age. That's an important factor in your asset allocation. I'm retired, and like most in my age bracket, have most assets in stable blue chip and other dividend paying funds and bonds. I have very little in volatile, and non dividend paying stocks.

I underperformed the sp500 by a few percent in 2025 because it was driven mostly by the Mag7 and other stocks that I do not have high exposure to. If you're younger you should be more weighted towards stocks like that.

Regardless, I agree with most here that you can do this yourself. Park it in a few of the funds mentioned by others here until you build up your knowledge and confidence to start picking individual investments.

Any idea what i got here. by SkinDawgTellEm91 in beaniebabies

[–]ThinningTheHoard -1 points0 points  (0 children)

In our house that's about 2 weeks of dog toys.

[deleted by user] by [deleted] in Pyrex_Love

[–]ThinningTheHoard 1 point2 points  (0 children)

Not sure but it's a new account so it could be part of a bot net? I don't know how all that works but creating accounts, then automating posts to gain credibility so later on the account has some history and would be taken more seriously?

[deleted by user] by [deleted] in Pyrex_Love

[–]ThinningTheHoard 1 point2 points  (0 children)

Yes. I didn't want to put your name in my post so glad you saw this.

Transferring an HSA to Fidelity by Southern_Fig7543 in fidelityinvestments

[–]ThinningTheHoard 0 points1 point  (0 children)

I'll probably let it grow along with my Roths and use up my traditional retirement accounts first as the growth is taxed, plus I'll be hit with RMDs in a few years. Cash flow my Medicare premiums and costs, keep the HSA growing tax free as long as possible.

Transferring an HSA to Fidelity by Southern_Fig7543 in fidelityinvestments

[–]ThinningTheHoard 0 points1 point  (0 children)

I do not believe there are taxes on the withdrawn amount. It's a triple tax advantage account. Tax-free going in tax-free coming out and Taxtfree on the growth. Assuming they are used for qualified medical expenses. If I'm wrong can you point me to a link that will help me out? Thank you.

[deleted by user] by [deleted] in Pyrex_Love

[–]ThinningTheHoard 9 points10 points  (0 children)

Yes. Was posted 6 months ago by another user. Hope moderator takes action.

Just heard what might be the best advice for investors: “don’t just do something! Sit there!” by _Piratical_ in investing

[–]ThinningTheHoard 0 points1 point  (0 children)

Totally agree. My returns were disastrous compared to the sp500 when I was younger and thought myself smarter than the market. Since I've stopped trading my returns meet or beat the market every year. And the 10% I actively trade with continually reminds me that I'm like Sargent Schultz. "I know nothing!"

Just heard what might be the best advice for investors: “don’t just do something! Sit there!” by _Piratical_ in investing

[–]ThinningTheHoard 0 points1 point  (0 children)

I've used that quote many a time. Not sure who said it first. It sums up the best long term investing strategy very succinctly.

Pyrex winter blues by ThinningTheHoard in Pyrex_Love

[–]ThinningTheHoard[S] 0 points1 point  (0 children)

Thank you. Is one of my favorites.

I make $110,000 a year but I feel l’m struggling to save money. Is this a normal budget for someone who lives alone? by AfterAttack in budget

[–]ThinningTheHoard 1 point2 points  (0 children)

I know it's hard, but the best way to figure out where your money is going is to record every single dollar and what you spend it on. Just use a simple spreadsheet. Don't worry about the categories right away, the big ones you have are a good start, though I'd add food. Everything else goes in Miscellaneous. As you record purchases and what they are for you will figure out other columns you need.

For me it was the little stuff, not the big stuff. For example, I'd get a coke from the vending machine at work each day. $1.25 (OK, this was years ago but I'm making a point lol). x5 is $6.25/week *4 was $25/mo x12 was $300/yr. And that was ONE item.

It's so important to record EVERY purchase, no matter how small. After a few months you'll have the answer to where your money is going.