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The ideal answer, although not cheap, is a ventilating dehumidifier ducted into the supply side of your ductwork. It will dehumidify year round but particularly in the shoulder months when a/c isn’t running. The unit can be controlled by a CO2 monitor to bring in fresh air, through the...

I lived in Las Vegas NM in the 90’s. As djsanders perhaps Freudian slip (or typo) said, it was definitely an ‘effluent” smaller city. Yup, a cesspool. High crime, poor roads, limited variety of restaurants. That said the weather was magnificent!

Slow flip About three years into ER (and after a divorce), I bought a fixer upper house to live in and remodel. After 18 months, I’m finishing the last room, the master bath. I put about $35k of materials into the house and should net out about another $50k for my labor once I decide to sell...

I can’t tell you who to avoid but I’ve had great experiences using Gate 1. I’ve done a fly &drive independent trip booked through them to Costa Rica and a guided tour through China. Going guided with them to Cambodia and Viet Nam in December and on a Danube River cruise next year in the fall...

I discovered Credit Karma Tax this year after many years with Tax Act. Tax Act was getting too expensive. CKT was easy to use, straightforward and completely free for both federal and 1 state. I plan to use it from now on.

We settled in Springdale AR just this summer. I’m surprised NWA didn’t make this list, it sure makes many ‘best places’ loving the area so far.

Never get in a fight with an ugly guy. They’ve got nothing to lose.

I used one for a few winters living in Washington state. I believe it helped me. Nothing to lose by trying it for a few months.

Game of Thrones Breaking Bad Sopranos.

Good for you. Congrats!

Congrats! Here is one I was fortunate enough to try this weekend. 2014 Hall Vineyards Jack’s Masterpiece. 97 points wine spectator. $135. Incredible cab.

I had an episode a couple years ago while still at work. Locked myself out of my computer, couldn’t figure out how to call home. Lost about 4 hours of my life. EEG was fine and no lasting impact. Pretty scary though.

I pulled the plug July 6, 2018. We’re now full time RVers- in Texas for the moment.

Red: Pinot White: Viognier

We have many of the same criteria that you do. Currently on the road in an RV finding the “perfect” place. Check out Payson AZ in addition to Prescott. We left there yesterday after a week and are now in Prescott for a week. Moving on to Sierra Vista after that. Then on to Ruidoso NM. Show...

We plan to move to a different area after traveling for 1-3 years. We sold house near Boston in a good market and put the proceeds in a 24 month CD through Vanguard. Living the dream now and then money will be there for the next house when we are ready.

I’ve been around the industry for years. In WA state, acres planted to red delicious are worth less than bare ground. It’s because you have the cost to tear out the old planting before you start over with something you can make money with. Many new acres going into Honeycrisp so we can expect...

We used TMobile for past year but switched to Verizon when we went full time RVing. Too many dead areas with TM

Never get in a fight with an ugly guy. They’ve got nothing to lose.

Scout I misread your question. Agree with Zinger that all withdrawals (deposits and earnings) from tax deferred accounts like 401(k) count as taxable income. Dividends received on after tax accounts also count as income as I referenced above.

It depends how much dividends you have. If not over the limit, I’d take the dividends to use, not reinvest them. You also have to be careful that if you sell after tax investments to generate cash that capital gains don’t push you over the cliff. Staying below the cliff is A bit of a management...

The key here is access to cash that doesn’t create taxable income. By staying under the cliff and then using a bronze plan, a couple could legally save perhaps $15-20k annually on health care expense. Interest on $25k HELOC draw might be $1250 per year. Someone asked early on if OP had after...

Bob Looking forward to many more updates. But I disagree that you’re not a financial success. I consider you a succeed on all levels. Thanks. tk

How much are you budgeting for taxes? It will be very low with the above strategy. Probably $5k federal with minimal health premiums, your cash need is then likely much lower than $95k.

Easy fix. I’d reduce the 401(k) draw for now and arrange a HELOC for part of the living expense so that MAGI is solidly below cliff. Then consider a bronze plan. You may find little or no premium cost depending on what the second lowest silver came in for your area. The equity in the real...