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    eFile acceptance - IRS bogged down...

    The where's my refund tool is notoriously out of date. My return deposited in my bank this morning, but the tool still has me "Return Received". It probably wont change for days.
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    Best CD, MM Rates & Bank Special Deals Thread 2021 - Please post updates here

    I previously kept my excess cash on hand with DiscoverBank. It was earning 2% before the pandemic. When it goes up again, money will move back to DiscoverBank. Through changing situations my mobile carrier changed from Verizon to Sprint and now to T-mobile. So I have access to the T-mobile...
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    Money does buy happiness!

    I completely agree with this. I think while working I was more willing to spend money to save time. But now I am willing to spend more time doing things I enjoy and this usually ends up saving money.
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    Money does buy happiness!

    I have always changed the "Money can't buy happiness" quote to "Money can't directly buy happiness, but it does make many of the things that make you unhappy go away."
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    Where Do You Park Your Cash These Days?

    My easy to access "quick cash" is currently stored in the following: PRFHX - High Yield Muni Bond Fund - earned 3.77% last quarter mostly in tax free dividends. DiscoverBank savings account, currently down to .45% interest down from 2% just prior to the pandemic. T-mobile Money account...
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    This Can't Help the Recovery

    They actually tried at the last minute to put something in the stimulus package that would prevent people from making more than their full salary. However, it seems implementing that on the various unemployment systems would have taken 5 months of development, give or take. And we all know...
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    What If There’s Never A Covid-19 Vaccine?

    That would be nice and I hope the same, but it probably wont happen. The first SARS and MERS were both much more lethal (~10% and ~33% respectively), but they were not really contagious before symptoms were exhibited. They were quite easy to contain. This one seems to have traded lethality...
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    What If There’s Never A Covid-19 Vaccine?

    There are many strains of SARS-Cov-2 already identified. https://www.medrxiv.org/content/10.1101/2020.04.14.20060160v2
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    What If There’s Never A Covid-19 Vaccine?

    We have come to accept so many things that are at least in part preventable. While horrible now, I assume something like this would become a new normal if no better option was at hand. Many seem to have already made that jump to acceptance or complacency. Having said that, I personally...
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    Never Thought I’d See a This Again (Gasoline $/gal)

    Yup. I am currently getting 3 weeks to the gallon.
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    Update on Cord Cutting (Cable TV) 2017 - 2020

    I have used Playon since I retired in 2014. It gets frequent updates when channels stop working. At the start of every season, it seems like Hulu and CBS.com makes changes that mess things up for a few days to a week, but then things settle down. Some people use Playon to record and Plex to...
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    HR 2300 introduced by Tom Price

    Seems to be the first concrete details I have seen concerning health care changes under the new administration. By concrete I obviously mean slightly sticky oatmeal. But if you like digging around in details, have fun. This was the press release: HR2300 press release It contains a link to...
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    Wonder how this happened...creepy!

    The company I worked for before retirement, could easily find updated address' for most living people in the US. This service was one of the things we provided to government agencies, companies and authorized individuals. Even without SSN, it would not be very difficult to find all but the...
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    Alternate Energy Providers

    I used an alternate provider in my area last year, it was originally much cheaper than normal electric. Then the standard provider lowered their cost which made it almost the same. Right before the one year rate on the wind power ended, I switched back because the cost of the alternate...
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    Poll: Internet access

    The only time we don't have 24x7 internet access is on some of our camping trips. On most camping trips it's rare to not have at least 3G access with a phone acting as a hot spot. And 4G is becoming common. But, when we are camping in Amish country without instant access, I get twitchy in less...
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    Connecting Andriod tablet to XP Desktop

    In addition to the methods I have seen mentioned in this thread, you can also use cloud storage solutions to access and/or copy things between XP and your android tablet. I've done this with Dropbox and Google Drive. On the tablet side you have to take specific actions to download a copy of...
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    Can one really become the 'Millionaire Next Door'?

    The thing that has always fascinated me about books like the Millionaire Next Door, is how 2 people can read it and come away with entirely different things. One person finds the meaning of life in a bubble gum wrapper and another person reads (insert holy book here) and finds nothing but...
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    ACA Penalty

    Either 2% of your household income or $325/per adult ($162.50/per minor). Whichever is greater.
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    ACA Penalty

    If you had workplace insurance (no aca subsidy), it would be just that simple.
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    Poll:Do you wear a watch?

    I think it has been at least 20 years since I wore a watch for any purpose other than scuba diving. Even before cell phones became ubiquitous, I was rarely anyplace without at least a half dozen clocks close to me. As a society we spend a great deal of effort monitoring the passage of time...
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    ACA Penalty

    I received a 1095-A from the Health Insurance Marketplace. This form contained information about when I had coverage, subsidy amounts and who I covered. I had to transfer this information to my 1040 when doing taxes. For 2014, this is how the IRS knew what was going on. I imagine there is an...
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    New CC Scam

    I bought someone in California fraud monitoring protection once. I assume it was an unintentional screw up and not someone actually stealing a credit card to protect their own cards.
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    So I guess I accidentally fired my FA yesterday....

    Yup. If they were as good as they think they are, word of mouth from existing clients would generate more business than they could handle on their own. Cold calling would be a ridiculous waste of time after you had a few clients. You would be busy trying to hook up with the clients that were...
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    Your Mortgage Rate History

    House one 1988 10.875 (30 year fixed) 1993 8.25 (refi, 30 year fixed) House two 1996 9.0 (30 year fixed) between 1996 and 2007, i refinanced 3 times without extending the period of the original loan rates were 8.25, 6.5 and 4.875 paid off in 2009 House three 2011 3.25 (15 year fixed) 2011...
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    For the recently retired how do you resolve ACA wage inconsistency, big drop in MAGI

    I retired Jan 31st of this year. My income in 2014 was about 10% of what it was in the previous year, so I had some splainin' to do. I created a PDF that contained my final pay stub and I also explained where I planned to pull money. This could only be partially documented with statements...
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