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Great story. I know what you mean when you say that its hard to remember what day it is. I can tell the first thing in the morning when I go to my pill box....

Yes. Call a few Independent Agencies and simply ask them if they know about your particular business. I also have to be frank with you. This is not an account that they will earn much from. Don't expect them to fight for your business.

My dad grew up on a farm in the 1930s. He told stories of gypsies coming by the farm and asking for a chicken. He said his mom would go out to the hen house and give them an old hen. He said if you didn't give them a chicken when they aske for one, they'd come back at night and take two...

You sound like me. I wouldn't live different if I had 10x more. Except give more away.

My friend owns a body shop. I help him out in his office with the book work, including dealing with insurance companies. You're better off with Auto Owners if you ever have a loss. For sure. My observation is that the dumber the insurance company's ads are on TV, the worse they pay claims...

Thank you. You are an Angel. My parents needed nurses in their last days. We all might. Thank you.

My home state taxes LTCG as ordinary income. More than a few retirees pay more in State income tax than Federal. SS and retirement income are also taxed.

My good friend is a corporate pilot. He has flown for several extremely wealthy people. One was a CEO of a large company in St Paul, MN. He was a resident of South Dakota. He commuted in a Hawker jet. He said it paid for itself in less than a year. He documented where he slept every...

My brother calls me everyday asking for $1,000 plus....or else he'll kill me or my kids. He used to threaten mom , but she died last year. I'd take a panhandler any day.

Lord all Friday I was afraid this post was about starting over after your house burned down...... I was a firefighter and in the insurance business, both for over 30 years. That made me realize I don't have a problem in the world if my house is standing and my family is safe. My dog too...

For some politicians (Governors and legislators) the attitude seems to be "Tax them, what are they going to do....move? In today's mobile society they will move.

The owner of an ice cream company in SW MN bought a jet and flew back and forth daily to his new home in Sioux Falls when he got fed up with MN income tax. 75 miles commute by lear jet. He said the plane paid for itself in income tax liability. Another family I know in my same small home...

I believe it. I live in a state with a high personal income tax, MN. I'm near the South Dakota border and have seen many higher income people move across the border. Some move their business HQ to SD. I'm not a tax expert but they told me that they did it because South Dakota doesn't...

To me the callable portion destroys the whole concept of fixed income.

Strangers. Never. My brother. Almost daily. They both get the same answer.

I was a short snowmobile ride from Lake Vermillion. Just west of Ely. We enjoyed it a lot, We had it 10 years and realized it was too far from our parents and children for a permanent home and at age 55 realized we didn't want two places and would rather live close to family and travel to...

We had a place in Northern MN for 10 years. Right next to Canada. Vacation place for 5 years and full time for the next 5. It was fun and we came out well financially. Here's my advice. Rent a fun place whenever you want instead of owning one.

I'd rather go to the dentist than sit in a closer's booth at a car dealership. I remember buying a car back in the 1980's and was dealing on a car and got within $500 with the dealer. The actual owner of the dealership. I pulled out my checkbook and told him I'd write a check right now for my...

Isn't that an eye opener. I FIRED at 51 with 33 good years paid into SS. I felt bad that I was short of the 35 years of earnings and even thought of going back to work to pay in 2 more years. Thanks to this forum and the calculators shown above I plugged in what my benefit would be if I...

I bought $53 of garden seed yesterday. That will keep me busy, entertained, exercised and fed. I love the simple life here on my farm. I no longer farm it, but I love to watch the crops grow. Soon I'll be fishing, then hunting in the fall. I'd be lying if I said I didn't like to see our...

If the fish ain't biting.......change lures. And this is from a guy who hasn't sold a stock in 37 years. I own enough Int'l to have an opinion. I'll keep my current Int'l exposure that I hold now (under 5% NW) forever but if I was 21 years old today starting new I would not include any...

Thanks Street. I feel like we're neighbors out here on my farm. you'd be welcome and fit in at the little country church I will be at Sunday morning.

YES. It happened to my father. Long story. They belong in jail (Hell will catch them first) but we all wanted to move along. Southwest Minnesota if you want to do some research. PM if you want facts.

I left home at 18 with $212 in my bank account. I lived with an abusive older brother and my parents enabled him. He was (still is) a mean, drug addicted, alcoholic, physically and mentally abusive SOB. Best thing I ever did was to get out. 40 years later he is still abusive to me and...

I understand.