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I always had a color inkjet printer and I used it a lot to print in color. Little by little I found I was doing less color printing. A few years ago I inherited a Brother black and white laser printer and made that my primary printer, only connecting the color printer on the rare occasion that I...

The Stranger and Fool Me Once were both very good. I also enjoyed Safe. I'm almost done Stay Close now which I've also liked. There are 8 of his shows on Netflix all together.

Purely by random selection I watched a Netflix series which turned out to be by Harlan Coben, who I had never heard of. I enjoyed it and discovered there are a number of Harlan Coben series on Netflix. I have now seen 3 of them I think and I’m finishing up my fourth. Eight episodes each so you...

I think this is true of any field. Either the student is interested or they aren't. You can't force them to be interested. Pushing any particular major on a student who hasn't expressed a significant interest in that field makes no sense to me, especially when the motivation behind it is purely...

Keep in mind that many of the top jobs today weren’t the top jobs 5 years ago. Some didn’t even exist 10 years ago. A student entering college this fall can’t choose their major on a job they want to have 4+ years from now based on what’s hot today. That’s especially true in technology but in...

And that’s great for someone interested in computer science. This kid doesn’t have that interest, or at least not yet. It’s way too soon to push her one way or the other.

A study by the New York Fed about 10 years ago found that only 27% of college graduates work in a field directly related to their degree. While there are certainly exceptions, for most, the college major isn't nearly as important as people tend to think it is. Our daughter graduated in 2018...

I’ve been per diem since 8/2022. I mostly worked 8 hrs/wk through 2022 and 2023, sometimes less or none. Since the beginning of this year I cut back to 4 hrs/wk or none. I gave notice in February and my 120 days is up June 12. Since June 8 is the end of the pay period, we settled on that as my...

Just to be clear, this is based on taxable income and not adjusted gross income, correct? If the former, that's good news. Our taxable income for 2023 was just under 105K and will definitely be lower for 2024 since I'm retiring in a few weeks. We should be able to stay under $94,050. It would be...

So you think everyone with an addiction just needs to die and all will be right in the world? Do you realize that there are an estimated 380 million people in the world with alcoholism? Would you like to start by eliminating them and then move onto the people with other substance use disorders...

That’s good to hear. Hopefully more insurers are starting to cover treatment.

That’s the plan.

That's great if there is a cheaper generic now. It's been almost 7 years since I left my practice and haven't really had much contact with the treatment field since then. As for insurance coverage, it's not uncommon for insurance plans to only cover Suboxone when it is being prescribed for pain...

As I mentioned earlier, my only sibling, my older brother, died of an overdose in 1987. He was 28. And we dealt with the drug issues for probably 10 years before that. The theft, the wrecked cars, the hospitalizations. The whole deal.

I file this under the "If I knew then what I know now" category.

I find that stuff amazing. I’m not sure that the answer is aliens but it’s just mind boggling that with all we know today we still can’t figure out how they did some of those things.

Yep. I have followed those threads. They are helpful but not 100% plus we have other income. I won’t know my exact year-end eBay income, for example, until midnight on 12/31. I’d be fine with a close enough estimate though.

I understand that but 30+ years ago when we started investing index funds weren’t nearly as prevalent as they are today and ETFs weren’t around at all. We’ve got 6 figures in managed funds in taxable accounts. We haven’t added to them for many years as we shifted to index funds but we still own...

I have heard about that but never looked into the details. Thanks. The hard part is there's no way to know what our CGs will be for the year until late December when funds pay out their distributions. I guess once that happens, I'd have a few days to sell anything I want to and still be under...

How could I have zero tax on $90,000 in capital gains?

That’s fantastic. There are certainly success stories out there. But how many people can afford the $6,000+/yr out of pocket like that for years on end? If substance use is a disease, then why aren’t insurance companies required to cover treatment? They cover Norvasc for blood pressure or...

Willpower is important but it’s certainly not the “only” thing. It’s a disease. Someone can no more will that away than a diabetic can will away their uncontrolled blood sugar. There needs to be lifelong treatment.

You can’t force people to undergo or comply with medical treatment. I was in family practice for 24 years. I wish I could have made my patients take their blood pressure meds, diabetes meds, depression meds, antibiotics, and other meds. They would have been far better off and suffered a lot less...

I totally agree that we need more and better treatment programs and better mental health care which underlies a lot of drug issues. I don’t know how putting people in jail helps anything.