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  1. always_learning

    ACA EPO question

    That's reassuring to hear. This is helpful, thanks! If it's laid out like this on their site, I surely missed it. I have saved & printed so much stuff in trying to learn about all of this, it's crazy. I did download the EPO brochure the other day but it didn't really help us in figuring out...
  2. always_learning

    ACA EPO question

    That's what I'm seeing, so thanks for your reply. It's quite unnerving as the difference between the cost of the two plans is more than 40% so it feels like there is a big "gotcha" somewhere.
  3. always_learning

    ACA EPO question

    I searched and read several threads but didn't see the answer so if it's out there, someone please point me in that direction. We're down to either an EPO or a PPO and can't decide. The EPO looks "too good to be true" as it's significantly less expensive than the PPO. We are looking at...
  4. always_learning

    What's wrong wtih my garage door opener?

    Capacitor replacement update For anyone interested in the outcome, here it is. Drum roll, please. One $.06 capacitor has resolved the issue. Winner, winner, chicken dinner. Yep, the capacitor was bad, which caused all the remotes to stop working when the light at the motor had been...
  5. always_learning

    What's wrong wtih my garage door opener?

    Do you have a list of those devices? I'm going to start a list and hang on to it. ;D Huh. That's the first I've heard of that. As I'm in FL where we get a little bit of sun (:laugh:), I'm going to keep this in mind! Ready for the big reveal? I'm posting it in a separate post so it doesn't...
  6. always_learning

    What's wrong wtih my garage door opener?

    We tried that, too. We guess that somehow the socket is still receiving info/current even though the light is out -- it's probably the light's timer that's triggering that. We went through several rounds of opening/closing and waiting for the light to go out and trying various remotes/the...
  7. always_learning

    What's wrong wtih my garage door opener?

    I'm afraid this is what we'll end up doing. For now, though, we're going to try replacing a capacitor -- see the update I just posted. I hope it works as I'm not excited about shelling out for a new unit. Kudos to you for getting one for free!
  8. always_learning

    What's wrong wtih my garage door opener?

    So, here is the update. Reprogramming didn't help. Using "logic board" instead of "mother board", I refined my search and got a hit suggesting it might be the 'big' (35v) capacitor on the logic board. I found a video on YouTube where someone had the same issue and he replaced the capacitor...
  9. always_learning

    What's wrong wtih my garage door opener?

    This is where we are heading if our upcoming repair attempt doesn't work. I have a sort-of update in my next post.
  10. always_learning

    What's wrong wtih my garage door opener?

    That was the first thing we checked. Sadly, it was not that easy of a fix... The receiver is what we have now honed in on, but it seems it would completely fail as opposed to acting like a teen in a bad mood and talking only when it felt like it. For now, we'll wait and see if the...
  11. always_learning

    What's wrong wtih my garage door opener?

    Well, since i posted my question, one remote decided to work. ??? It looks like the remotes work, but the door isn't responding. We can see lights blinking in the motor when any of them are pushed, so something just isn't talking to something else inside the unit. And I forgot to mention, it's...
  12. always_learning

    What's wrong wtih my garage door opener?

    I love mysteries, but this has DH and me stumped. Our garage door opener (not quite 10 years old -- Liftmaster brand) suddenly stopped working with the remotes. It works fine using the wall button. The remotes (2 handheld, 1 keypad outside the door, and 2 vehicle-programmed) all stopped...
  13. always_learning

    Any ideas what this is?

    Oops!! I don't know how I missed your post, but I did. I can totally see a coyote wandering on your deck.
  14. always_learning

    Any ideas what this is?

    I usually just lurk and read on this forum. I can't believe I logged in so I could see a photo of a mystery blob/possible poop. What does that say about me? :blush: While I'm not familiar with the poop of too many animals, it doesn't look like poop to me. The seeds/pods/whatever are awfully...
  15. always_learning

    Florida living

    It sounds like it's regional for Lennar. In our previous state, they had an "OK" reputation because there was lots of competition. In my current state (FL), Lennar seems to be the only builder for new builds in my area (everywhere we go in two counties, all we see are Lennar signs) and I'd...
  16. always_learning

    SIPC, FDIC and NCUA -- the same?

    This is what I needed. I had no idea SIPC covered that/worked that way. For over 30 years I thought it was just there for willful mishandling. And this was why I was confused today when I followed a rabbit trail and read something about the SIPC. I thought all these years that we had just...
  17. always_learning

    SIPC, FDIC and NCUA -- the same?

    I'm sorry. That still doesn't help me. I totally get the part about loss of investment and always knew that. What I can't seem to wrap my head around is what situation the SIPC would kick in? Just using Vanguard in my example, would a 'run' on them prompt a halt to moving money (halted by...
  18. always_learning

    SIPC, FDIC and NCUA -- the same?

    I feel like an idiot for asking, but does the SIPC do the same for brokerage firms as the FDIC/NCUA do for banks? All these years, I thought it only covered malicious behavior by execs but the doc I just read sounds like that is wrong and it's really more along the lines of FDIC/NCUA. Is this...
  19. always_learning

    Roth conversion, Form 2210, and penalty

    Mostly, I'm just trying to understand how it works and playing with 'what ifs' helps me with that. I was wondering how it would work if someone decided to make a large conversion early in the year and then just had some minor income for the rest of the year as it seemed they would vastly...
  20. always_learning

    Roth conversion, Form 2210, and penalty

    Unfortunately, no. Well, that's not what I wanted to hear but it sounds like I do understand the form, so yay I guess. Bummer. It just feels like a penalty to have to pay what I know will end up being a large overage up front and not be able to adjust for income that comes in heavy at the...
  21. always_learning

    Roth conversion, Form 2210, and penalty

    Huh. TT made it sound like it would be in my favor to use the Schedule AI. I'll rerun it tomorrow without it and see what happens. I thought it *would* be in my favor because I figured the taxes based on what I knew the end result to be + a $1,000 buffer. I hadn't seen the case study...
  22. always_learning

    Roth conversion, Form 2210, and penalty

    If we were making tIRA withdrawals, we'd definitely do it this way.
  23. always_learning

    Roth conversion, Form 2210, and penalty

    Hmm. I did not make 4 equal payments. Would this be why I'm getting the numbers I am? Does this only work out if income is stable from year to year? I understand how the income and x value decreases with each subsequent period, but I'm annoyed that they are wanting me to essentially overpay...
  24. always_learning

    Roth conversion, Form 2210, and penalty

    In my hypothetical above, Form 2210 wants me (well, us, MFJ) to pay roughly $49,000 for period a (I used Q 1 above, but it's really period a on the form) for that $150k conversion, and probably more through the other periods as more income rolls in, but I haven't gone that far yet to see...
  25. always_learning

    Roth conversion, Form 2210, and penalty

    Assume a Roth conversion of $150k in Q1 and other income through the year of $50k, so total income for the year is $200k. That large Roth conversion in Q1 will require an Est tax payment (based on the formula in Form 2210) that will be more than the total tax burden by about $7,000, depending...
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