Recent content by atmsmshr

  1. atmsmshr

    Used car sale transaction process

    Our used car buying checklist. - Research type of car desired - Ask seller about accepting personal check - Get VIN to check CarFax - Avoid vehicles from the salted northern roads - Meet in a decent place - Verify Clean title - Check tire wear - Check engine, brake, transmission and coolant...
  2. atmsmshr

    Is the realestate bubble bursting?

    The Save Our Homes property tax cap is an amendment to the Florida constitution that limits the annual increase in the tax assessment of homestead property to a maximum of 3% of the prior year’s assessment; and its purpose is to encourage the preservation of homestead property and to ensure that...
  3. atmsmshr

    Claiming Social Security Question ??

    Thank you
  4. atmsmshr

    Latest Inflation Numbers and Discussion

    Agreed some decoupling has been done, but it is still cringeworthy to see how many products are made in China. Indeed, cheap energy is gone - especially for natural gas fueled industries in Europe. Germany's manufacturing sector powerhouse is already on its economic knees. I suspect that...
  5. atmsmshr

    Latest Inflation Numbers and Discussion

    Nearly absent from the US inflation news is China. For several decades, the US 'exported' its inflation (and manufacturing) to developing countries. Remember the term 'The China Price'? Now with shipping costs higher, the stalled/rising cost of Chinese labor, and start of decoupling of the...
  6. atmsmshr

    Claiming Social Security Question ??

    My understanding is that: SS spousal death benefit increase stops at FRA and does not accumulate to 70. SS spousal living benefit is 1/2 of higher earning spouse OR earned benefits. BOTH of these are REDUCED if: Lower earning / surviving spouse has claimed their benefits prior to FRA. Please...
  7. atmsmshr

    Are You Worried About Your Bond Index Fund?

    Sold nearly all of my 10 year T bond fund FUAMX this past month. It was great in 2020, but can't see much upside in bond funds in the near future. Sitting on a pile of MM funds now and trying to figure out the next move. Appreciate everyone posting their insights to help in decision making.
  8. atmsmshr

    Disabled Veteran looking to live his best life

    Thank you for your service and sacrifice for our nation Bob. You will find plenty of support on this website. Best wishes for your journey.
  9. atmsmshr

    Risk of Sitting on Large (Long Term) Cap Gains?

    DW and I have been implementing a low tax capital gains strategy since retirement in 2019. Since I had income in 2019 due to mid year retirement, remainder year expenses were from cash savings. January 2020 was a 401k distribution with most of company stock to brokerage and balance to IRA...
  10. atmsmshr

    First month of retirement complete!

    Your new boss is great!
  11. atmsmshr

    Your recent retired/pandemic dreams?

    DW and I are recently retired; this year and last were supposed to be our international travel period. Oh well. Not normally remembering our dreams upon waking – this past week produced some doozies that we shared with one another. Apparently, our travel restricted imaginations are slipping...
  12. atmsmshr

    Which American Accent Do You Have?

    Hmmm. It said I was from western Mongolia.
  13. atmsmshr

    Thumb joint osteoarthritis

    I have OA in my big toes, likely from being an avid runner when younger. Had the surgery on the right foot 10 years ago to scrape back the bone spur. Ow, ow, ow, ow for years on a weight bearing joint.
  14. atmsmshr

    I got a confession to make about bacon...

    Valentine's day is coming soon. Chocolate Covered Bacon! (Yes - its a real thing and actually quite good.) :flowers:
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