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It's going to be a bit warm tomorrow in western Colorado. I have a volunteer event tomorrow that will require plenty of sunscreen. I have partaken in some au natural events but not gardening. I did notice that many of these locations are in the bible belt. Mmmmmm.

I've been retired going on ten years. I was never much of a TV watcher, it just doesn't interest me. Over the years people have told me about TV shows almost in the sense that these are real people and/or events. I have too many things happening in my life, volunteering, taking classes and...

Back when I was in the brokerage business in the 1980's there were oil and gas limited partnerships that would generate losses that passed through to the investor. The tax act of 1986 pretty much eliminated the advantages of these LLP's. Even back then these were big red flags for the IRS. So...

I do not give my social security number to any medical office. They can have my Medicare number and my account number for my Medicare Advantage plan. There is no need to provide your ssn. The social security number is for tax and payroll purposes only.

Yep, those TIAA annuities even on small amounts can pay well. My mom had a small account from when she was teaching full-time. When she had the position part-time it did not include any retirement benefits (it was an old contract), so her contributions were smaller. She split the account...

This fee is to reduce congestion and encourage the use of mass transit. The national parks charge to enter and some have timed entry to control congestion. I would rather visit a national park than NYC. IMO

It's probably needed to control congestion and encourage use of mass transit. The national parks charge and some have timed entry to control congestion. I would rather go to a national park than NYC. IMO.��

Gee, I'm really old. When I got in the brokerage business in 1981 it was T+5. You had that long to turn in your stock certificates. Don't know what I'll do with all of that extra time on my hands.

I'll put my usual shout out for doing Qualified Charitable Distributions (QDD's). Starting at age 70.5 you can donate up to $100,000 directly from your IRA's to 501(c)(3) organizations. This will reduce the account balance on December 31st, then you calculate your RMD. QCD's can only be made...

I have purchased my seed potatoes and trying to decide on what else to plant in my small garden. I will probably plant something leafy and maybe some beans. My lavender plants are now well established. I use the dried flowers and give it away to friends. I made lavender oil last year for the...

I almost never have $100 bills in my possession. They are just too suspect even for the Governor. About twenty years ago in the Denver area a friend and I caught an early movie on a Saturday evening. On the way out of the theater I saw the Colorado Governor and his wife purchasing tickets...

I was not able to participate in the HSA until after I retired in 2014. I funded it every year until last year when I went on Medicare. I want to draw the account down since it is one more account that I need to handle. I add all of my expenses for the year and take out the money early in the...

I went to Casper Wyoming in 2017 to see the total solar eclipse. Stayed at my brother's. I had a pretty good view of the totality from his backyard. The lodging was cheap however, the drive home was a very ,very slow crawl. I had planned to go to northern Ohio to stay with the other brother...

The need for life insurance is while your daughter is growing up. As an adult, unless there is some extenuating circumstances such as a severe disability she would not need the insurance benefits. Life insurance is needed when people are young and have not built an estate to provide for their...

As I have commented before look into doing Qualified Charitable Distributions (QCD's) from you traditional IRA's. Each of you can donate up to $100,000 directly to a 501(c)(3) organization without having the amount included in your taxable income. This is a convenient way to donate to charitable...

You should look into Qualified Charitable Distributions (QCD) from the IRA. You can start QCD's at age 70.5 and gift directly to a 501(c)(3) organization up to $100,000 per year. Your RMD starting age is 73, thus you can donate $300,000 (ages 70.5, 71 and 72) before starting RMD. If your RMD...

I bought a new 2022 Subaru Crosstrek two years ago. I am very happy with the car. I keep my cars for eight to ten years so I plan on keeping this one.

My FRA is also this year at 66and 8 months. I have been delaying it to get the increase and there is some longevity in the family. But wait, I have a variable annuity that was fully funded by a previous employer that will pay about $1500+ per month when I start payments in a few years. Hey...

Don't have the old stubs, didn't use to save those kinds of things. I do remember paying $14 for a PAIR of Fleetwood Mac (opening act was Jeff Beck) tickets for a June 30, 1976 concert in Cincinnati. I was waiting tables that summer before leaving for college. That was a lot of tips I had to...

I remember a Fortune magazine back in the 1990's that interviewed both of them. It was determined that they were actually distant cousins. The Omaha Buffet said that he wished that he had the Margaritaville's Buffet singing ability, to which Margaritaville Buffet replied that he would prefer...

When they were on TV in the 1960's I was a bit young to understand some of the humor. I did see them in person in the 1990's and totally enjoyed the humor. The world needs more funny people, not fewer. :(

I have been thinking about this same issue of what to do with mom's wedding and engagement rings. When she passed, I made sure that our maternal grandmother's engagement ring, gold band with an amethyst went to the only granddaughter. Neither of my brother's knew about this ring that was just...

I don't send many Christmas cards. I have a couple of boxes that I have bought on sale after the holidays, just rotate which box I use. Tacky is reusing a card that someone resends that they received and crossing out the name and signing theirs. I guy I dated in college did this. It felt...

You have the records for when the Roth was started. You are good. FYI, this is not an audit red flag.

My dinner time is 5pm so it does not interfere with my sleep. This gives me 13 hours of fasting until my 6am breakfast.