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    Social Security and Windfall Elimination

    Plenty of co-sponsors for HR 82 exist. Hopefully, this will be the year that a WEP and GPO bill finally gets passed. This subject area has been picking up momentum over the past few years. Maybe letters of encouragement to reps are impacting support...
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    Do you click “AGREE” without reading privacy policy, terms of service, or other docs?

    I recently pushed back on a surgical center requiring me to create an account & enter in agreement with a 3rd party health records company. I have reservations about providing my personal & medical info to a 3rd party site that allows access to unknown & unidentified entities: “Deleted Company...
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    Sell I Bonds....or not?

    You might want to also consider state and local income tax implications. I bonds are typically exempt. Will the new 5% interest gain also be exempt from from state tax?
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    Witnessed Shrinkflation Up Close Today

    The sheets seem as thick and soft as before to me, however, the number of sheets has been reduced from 425 to 380 per roll! Costco also reduced the number of sheets in their paper towels from 160 to 140, but amazingly, the number was raised back to 160.
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    End of 2nd QTR loss question

    I recall the first full year (2018) of the corporate tax rate cut implementation ended up with negative market performance (S&P 500, Dow,...), but yes, generally speaking. I also recall that the S&P 500 finished last year up 26.89% and posted a record close at least once a month. The...
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    Dying Laptop- Repair or Recycle? HP14-b109wm

    I am trying out Linux Mint 20.3 cinnamon these days. It was fairly easy to install, is supposedly one of the better distros for beginners transitioning from windows, comes with a decent collection of apps (versus installing them later) and it doesn't seem to be too resource heavy, but there are...
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    Dying Laptop- Repair or Recycle? HP14-b109wm

    If the windows reinstall doesn't take, you might want to consider loading a linux variant. If all you are doing is mostly surfing, email, using office apps,... you might like the snappier performance the different os brings to a resource limited laptop running windoze.
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    Need a basic flip-phone Tracfone for a 90 year old

    You could check her balance remotely via the tracfone web site and add additional service as necessary. They also sell unlimited text & minutes plans, but the annual one which also comes with 12 GB of data costs $199 and is too much for a low use phone. If you are going the unlimited...
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    Social Security - Know What to Expect

    I believe WEP kicks in if several years of his employment were done while employed by an entity that did not require payments into social security and caused his number to be reduced to less than 30 years of substantial earnings. You don't get credit in the WEP calculation for the years you...
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    Social Security - Know What to Expect

    Is it possible that you were effected by a Windfall Elimination Provision reduction?
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    Mystery check from IRS

    please ignore, I overlooked the fact it was a check
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    Mystery check from IRS

    It's possible that someone else filing taxes made an error with their direct deposit account info.
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    Where and how do the super wealthy invest?

    It seems to me that one of the best return on investments for some of the ultra wealthy is strategically placed campaign contributions.
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    Costco Tire - Hard to do business with?

    I have been buying my tires exclusively at Costco for 19 years and find their (sale) prices and service to be very good. The road hazard warranty has provided me with a few free tires that I thought would surely have been pro-rated for wear.
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    Tax software functionality and deals

    Costco's ads for Dec 29 - Jan 23 indicate: $15 off for TurboTax Premier OR Business OR Home & Business $10 off for TurboTax Deluxe no state OR with state
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    Trying to understand the SS age 70 wait

    I see very little analysis on the impact of tax brackets for social security age decision discussions. Yes, there is so much added complexity in modeling this, and it is very dependent on the individual's income & tax scenario, but it could really have some significant impact to the anticipated...
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    Leave TSP funds in TSP or move to Edward Jones

    With the improved withdrawal access, the relatively low fees & the unique G fund, the TSP is pretty good. There is a problem that couples should consider upon the death of the TSP account owner. If the beneficiary is your spouse, the spouse can basically continue on with TSP. However, when the...
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    Leave TSP funds in TSP or move to Edward Jones

    Thanks. I was quoting Peppercat as the TSP reply he references seems to be mostly focused on transfers IN to the TSP. That TSP reply aligns with what is currently on the TSP site with respect to inbound transfers (direct rollovers).
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    Leave TSP funds in TSP or move to Edward Jones

    from https://www.tsp.gov/tsp-basics/move-money-into-tsp/ Ways to move money into your TSP account Transfer money directly into the TSP A transfer or “direct rollover” occurs when the eligible plan sends all or part of your money to the TSP. Use Form TSP-60, Request for a Transfer Into the...
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    Big Drop in Life Expectancy

    the annuity folks and the pension mgrs are probably dancing in the streets
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    Saving Acct, CD or I-Bond?!?

    Keep in mind that I-bonds are state income tax free. Also, if used for qualified higher education expenses, they are federal income tax free (https://www.treasurydirect.gov/indiv/planning/plan_education.htm).
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    Big Drop in Life Expectancy

    https://www.cnbc.com/2021/07/21/life-expectancy-in-the-us-declined-in-2020-especially-among-people-of-color-.html It has been mostly dropping a little over the last 6 years or so, but this decline is massive: 1.5 years. It is likely to spike upwards next year.
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    If we can do it, anyone can?

    People can still succeed these days, but it is harder. We can point out that the kids are drinking expensive coffee and are paying too much for their phones, but the inflationary costs for the big ticket expenses of college education and housing and health insurance are a reality. When I went to...
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    Call phone providers that sell minutes/data that doesn't expire for a year?

    You might also consider getting a full year of service (total 1500 text msgs/1500 mins/1.5 GB data) Tracfone bundled with a brand new phone. https://www.hsn.com/shop/tracfone/10962 or https://www.qvc.com/electronics/phones/_/N-1z1393yZmlt0/c.html?qq=mh There are several choices below $100.
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