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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...

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...

Forget sending fuel. Send experts in fracking. Europe needs to get busy developing their own resources. This is not just a one winter issue.

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...

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...

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.)...

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...

TV from the moon - impressive. Color, not so much. We had a B&W set at the time. :frown:

+1 Without that one, a lot of us would not exist.

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

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...

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...

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.

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...

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...

I knew a fellow who kept going well into his 70's and he did rotating shift work. This was back when corporate defined benefit pensions were still common. He probably had like 50 years of service. It finally came out that his father had died very shortly after retiring. This poor chap...

We were at 10% last year, but it was a low tax year. We stayed within the 0% bracket for LTCG to harvest some gains and so paid very little income tax. This year, with heavy Roth conversions, it will be more like 35%. Between Roth conversions and then RMD's, 30-something will be our norm.

I used the Callan table when I was plotting out my Roth conversion strategy several years ago. This was when we could still recharacterize and therefore the Roth horserace strategy came about. The Callan table showed that there was very likely benefit to converting a bunch of different asset...

The difference is that that those who fought (and died) in the sandbox were volunteers whereas a lot of those who fought (and died) in the jungle and the peninsula were there because the government insisted that they be there. That there is now a choice is progress. One must keep in mind...

A common one is for aviation enthusiasts to live on/around a small airport, with some of these laid out from the beginning for easy access from house to runway. Often they will have a hangar attached to the house.

Any time I have read the book then seen the movie, the movie has been disappointing. I will take a pass on this one.

We are Roth converting some years (big tax bill at the top of the 22% bracket) and tax gain harvesting in other years (very small tax bill given favored tax treatment of LTCG's). I would be fiddling with w/h once or twice a year to get it right. I figured might as well figure it quarterly and...

I bought a second-hand tub for well under the cost of new. Former owners had it in their living room and I think were glad to get it out of the way. We had nine trouble-free years from it, but left it behind when we moved. The cover was shot by then though. It was a 110v model, which worked...

My calendar ideas go the other direction. Instead of dividing the year into quarters, divide into 4-month blocks. One less quarterly report to generate every year. Think of the productivity gains. Alternately, make months 36 or 37 days long. Only 10 monthly reports per year. Or maybe...

Sure and when that happens, their R&D spending will decline. If you were hoping for a new drug for your somewhat rare condition or just a better drug for your common condition hopefully with fewer/milder side effects, you will be SOL. And when the current generation of antibiotics is no longer...