Recent content by Svensk Anga

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    Stolen License Plate

    I had a plate stolen once. We live in a central Florida county and the county name appears on the plate. Two counties over is where the plate was stolen. That county had mandatory emissions checks as a requirement for plate renewal: ours did not. My guess is that someone driving an obvious...
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    Medigap Shopping: Closing the Book & Rate Increases

    Maybe, but if you have G-HD, your part B costs are limited to $2800. Maybe your course of treatment spans 2 years, so double that. Compare that to paying higher premiums for a regular G plan for your whole life. I think most years one will not get close to the G-HD $2800 max OOP and one can...
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    European energy situation

    Forget sending fuel. Send experts in fracking. Europe needs to get busy developing their own resources. This is not just a one winter issue.
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    Residential Cruise Ship; Retiring to The Sea?

    I recognize the quote. It is in my file of quotes that resonate with me. Not Twain. Samuel Johnson: No man will be a sailor who has contrivance enough to get himself into jail; for being in a ship is being in a jail, with the chance of being drowned... A man in jail has more room, better...
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    Withdrawing from an HSA

    I put $33k into my HSA and it peaked at $63k. That’s $30k of capital gains and dividends that would have been taxed at at least 15% if I used the HSA funds and let the after-tax brokerage account grow. That’s $4500+ (I paid 3.8% NIIT some years) I saved in taxes. The tax savings number is...
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    Born in 1960? Expect a Big Social Security Cut

    For those born in 1960 (or later), the 2.83% rise inflates your whole earnings history up to the wage level prevailing in 2020. 2.83% looks pretty fair compared to the last 35 years of inflation. (Only your highest 35 years count for SS and for most that would be their last 35 years.)...
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    Born in 1960? Expect a Big Social Security Cut

    I wonder how the lockdowns will affect the kids who normally get summer jobs. If that is substantially diminished, it could keep a lot of very low W2’s out of the average. Maybe it won’t turn out that bad. I’m watching because DW is a 1960 model. I’m a ‘59. We can’t be hurt too badly...
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    Best inventions of past 100 years

    TV from the moon - impressive. Color, not so much. We had a B&W set at the time. :frown:
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    Best inventions of past 100 years

    +1 Without that one, a lot of us would not exist.
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    Ten Best Early Retirement Towns

    My parents lived in Huntsville for a while. Dad was in the army there. No one in this family will be retiring there.
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    While we are discussing toenails....

    I cured fungus under the nail of one big toe with a low dollar, quick cure. I squirted a bit of ethylene glycol (otherwise known as automotive antifreeze/coolant) under the nail. I think I applied it only a couple times. I used a syringe with the needle removed to squirt the stuff up under...
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    How the top 5% do it?

    I find it hard to believe, but we are probably in the 5%. There are so many people living larger. We got there being super-savers. I think I was regarded as a virtuoso at megacorp, but I did not put in the effort to become so. It just sort of happened over the years. I certainly did not...
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    Lake Superior circle route

    I suggest you see Tahquamenon Falls, second largest east of the Mississippi. We liked the campground just downstream. The lower falls were better than the upper, and I think easier to get to.
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    car people - suggest a toy

    The thing that really extended top down season for me was a hooded sweatshirt. It keeps the vortex of cold air rolling off the top of the windshield from running down the back of my neck. Easily good for 5-10 degrees cooler weather. I vote for the Miata as well. I have enjoyed mine for 18...
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    Poll:Are you in the "Won The Game" Club with reference to Fixed Income Investing?

    I am not much tempted to load up on FI when real yields at 0.5-1.0%. Now if we could get 3.5%+ real like when TIPS and I Bonds were introduced, it would be worth thinking about. I think there is still a reasonably good chance of earning an equity risk premium over our lifetime. In...
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