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My AZ state tax refund was processed and issued, received a 'USPS Informed Delivery' notice with a photo of the AZ Dept of Revenue mailing but it never showed up in my mailbox. We have a central community mailbox (~50 residents), sometimes the mail gets placed in the wrong box but always gets...

I have an issue where heavy rain runoff from the roof overshoots the gutters, lived with it for many years since the resulting problems created from it were minimal. Recently upgraded my patio with porcelain paver tiles and the overshoot from the first heavy rains wreaked havoc on the polymeric...

Just got a letter from the SS administration stating that I have retirement benefits due from a previous employer. The letter looks legit based on the information listed. I worked as an engineer in aerospace back in the 80's and early 90's, never worked directly for the employer listed...

A proposal in the new covid relief package would offer subsidies for higher income individuals on ACA that don't currently qualify for a subsidy. From the NY Times:

I've been in my current house for 22 years, looks like it's time to upgrade my current heating(gas furnace) and cooling(evaporative) system. I've had an evaporative cooler since the house was built and although there are some positives to it I'm looking to upgrade to an AC system. I've been...

Well, maybe it's not so simple but visited Breckenridge and Steamboat Springs CO recently and there was an interesting article in the local paper about the positive (and some negative) effects of living at altitude (>5000') on one’s health. I couldn't find an online link to the newspaper article...

I have a couple EE Savings Bonds that I inherited that mature in 2023. They are in electronic form and I'm looking at doing partial redemptions for tax reasons, I will be in a higher tax bracket by 2023. I recall reading somewhere when I got the bonds that when doing partial redemptions the...

Not a huge change but a bipartisan bill going through the house and senate would raise the RMD age to 72. https://finance.yahoo.com/news/bipartisan-bills-aim-to-revamp-retirement-saving-125240433.html

Anyone catch the Neverland documentary on HBO last night? It's about the sexual abuse Michael Jackson inflicted on young boys, some only 5 years old. Had heard the rumors and knew he was very odd but had never heard or seen all the details as presented in this documentary. It goes into very...

I’ve been using OLT.com the last few years to submit my taxes but use TurboTax online to verify the numbers. Didn't notice this in previous years but TurboTax does something unusual (IMO) when rounding off numbers provided on the ACA subsidy form 1095-A that it uses on IRS form 8962 to...

Anyone have any experience using Turo for their car rental, good/bad? Kind of the Uber of car rentals. The reviews on the Turo site for the few rentals I would consider are very positive.

I've been buying roasted coffee beans for years and grind what's needed each morning. One thing I noticed is the freshness of the beans purchased can be hit and miss. Decided a couple months ago to try roasting 'green' coffee beans at home. The benefit of buying green beans, besides being...

Took my pickup truck over some rough dirt roads and when I got back home and popped open my tonneau cover I noticed one of the bolt heads had snapped off on one of the clamps holding the cover down near the tail gate in. It broke off flush with the threads so my plan was to drill a hole into...

Just got a notice from Wells Fargo that they are in the process of selling their HSA business to Optum Bank (a subsidy of UnitedHealth Group). Anyone here use Optum Bank for their HSA? Comments good or bad appreciated. I've been with Wells Fargo HSA for a few years and have been happy with...

Got a nice cut on my index finger yesterday that required a few stitches at the local clinic. Was told to come back in a week to remove them. Seems like removing them would be fairly straight forward, use clean tools, clip and pull. Anyone try removing their stitches at home instead of going...

Pickup Truck Bed Covers Picked up a 2016 Toyota Tacoma double cab last week, got it for what I thought was a good price and they gave me over blue book value for my trade in. Want to get a tonneau cover for it but undecided which way to go. The painted one piece fiberglass covers sure look...

I have a laptop with Windows 8.1 and there's a new icon (4 squares) showing up on my taskbar on the right side with the other notification icons. Not sure how long it's been there, I just noticed it today. Clicking it opens a new window to register for the upcoming free version of Windows 10...

I recently traveled to Boston to visit family and picked up a rental car from Thrifty at the airport. Everything went smooth and returned the car as planned a few days later. Received a letter in the mail from Thrifty a couple weeks later with a bill for $51. They claimed my car had gone...

Got my Christmas present early, a Celstron NexStar 6SE telescope. I'm just starting to get my feet wet but expect to make this another ER hobby. It comes with just a basic 25mm eyepiece. Any recommendations on a couple of other eyepieces that would be the most useful for someone starting out...

I'll try and keep this simple and not include all the details but I'm deciding between two ACA HDHP plans, one of them is HSA eligible (and more expensive). If I select the HSA plan at the end of the year I'll have deposited ~$4300 in my HSA account. If I select the non-HSA plan my income...

Have a maglite led flashlight that runs off of two AA batteries. It stopped working a couple weeks ago and didn't pay much attention to it, it's been at least a couple years since I replaced the batteries, figured they were dead. When I went to replace the batteries yesterday only one slid...

This article certainly makes a good case being a DIY investor which most here are. Not sure why anyone would be willing to place their life's savings in the control of any AIG company after the last financial collapse but some of us never learn. Retirees Suffer as 401(k) Rollover Boom Enriches...

This guy has figured out a way to retire early with little or no income. A bit extreme to put it mildly. Utah Caveman Quits Money - ABC News

Didn't want to hijack the other annuity thread so thought it would be best to start another one. I also realize many here have a very strong opinion about annuities, my intent is NOT to continue that discussion. I'm NOT looking for opinions if annuities are a good retirement tool or not...