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    The first million takes the longest to achieve

    Portfolio milestones were 2015, 2019, and 2023. The first one indeed took forever, 23 years in the workforce. My starting salary in 1992 was $27k, so no wonder. For NW, milestones were 2010, 2017, 2020, and 2024.
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    Whatcha gonna do if ACA goes away?

    Nothing has changed since 2017. ACA is still in the crosshairs. Retirement planners should not blithely assume that ACA subsidies will be available. My plan is to work 3 more years until I reach my MRA, keeping my Fed health insurance into retirement. I just couldn't trust in ACA enough to...
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    I've got Covid.... The thread for your covid experiences

    My mom, aged 83 and properly vaccinated, is symptom-free 10 days after first symptoms. This was her first time with COVID. She had her first symptoms (gut discomfort) in the wee hours of the AM on Jan 31. Progressed to diarrhea and nausea. Tested positive in the morning that day and took...
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    I've got Covid.... The thread for your covid experiences

    My Paxlovid experience, my first time with COVID, just a few weeks ago: I had no contraindications, so I began taking Paxlovid 48 hours after first symptoms. I felt immediate improvement (within 12 hours). I took the entire 5-day course, ending on Day 7, and didn't have a rebound. I tested...
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    I've got Covid.... The thread for your covid experiences

    Roger that. We will keep with the masks and isolation in the house until 10 days post initial positive, barring a rebound.
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    I've got Covid.... The thread for your covid experiences

    So much for COVID. Paxlovid nuked it. I started it 48 hours post the onset of symptoms. Highly recommended! I didn't experience very much of the bad taste in the mouth thing that others have reported from using Paxlovid. Just a bit of a coppery flavor on the first day, just in the first two...
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    I've got Covid.... The thread for your covid experiences

    I got impatient yesterday morning and fever had crept up to 101.4, so I got a Paxlovid prescription. Fever is gone and energy level is better this morning. Still have significant drainage. I'm guessing that it was not a mere coincidence, and that the Paxlovid was quite effective for me. Will...
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    I've got Covid.... The thread for your covid experiences

    Yesterday and into today: Malaise, fatigue, mild aches and sweats, sinus drainage is picking up. 100 degree fever. 99% pulse ox. Not having a good time. Bored.
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    I've got Covid.... The thread for your covid experiences

    I've popped my cherry! My office-mate began to feel feverish circa noon on Thursday 8/3. He went home immediately, and tested positive. I took my computer home since I suspected that I wouldn't be in the office until I was clear. We had been in close proximity all week, so I knew I was...
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    Is the realestate bubble bursting?

    The 2011 spike you mention is census workers (so actually 2010?) The chart isn't good enough to differentiate which tick mark is what year to my tired eyes. The census spike happens every decade, as you will see if you look circa 2000 and 1990 etc. And it appears that I owe you an apology. I...
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    Is the realestate bubble bursting?

    This isn't a fight. I just wanted some facts to back up the anecdote, since crediting Fed hiring for cranes across the horizon and new suburb development didn't ring true. Unrebutted, it could lead folks to believe that Federal employees made out on the backs of their suffering fellow...
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    Is the realestate bubble bursting?

    I'd like to see a source for the bolded. A quick search didn't seem to back up a huge hiring binge. The first chart below shows a modest rise in Fed employment during the 2009-2011 timeframe. I am pretty certain that even that modest rise was due to a maintenance of a steady hiring rate, at...
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    Withdrawing excess 2021 Roth contribution - questions

    Thank you very much for the help. That looks to be the most useful summary of "things to do" that I've seen, and is from the TurboTax point of view. Since it doesn't capture every step, I'll have to fumble through a bit.
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    Withdrawing excess 2021 Roth contribution - questions

    All, I contributed $7k to my Roth in January 2021. That was my 2021 tax year contribution. In doing my 2021 taxes a week ago I discovered that my earnings were too high and the entire $7k contribution was in excess. I instructed my IRA custodian to withdraw both the $7k contribution and...
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    Covid Vaccine Distribution

    Thanks, Harllee! FYI - Rowan County has filled up today's appointments. The window is NOW open for Thursday's (Feb-18) first-dose appointments. Looks like they have about 300 appointment slots currently available, from 0800 to 1200 on Thursday. According to my mom, today's session is Rowan...
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    Covid Vaccine Distribution

    Harllee, thank you for helping me get my 80-yr-old mom an appointment for her 1st shot!
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    Class of 2021

    Don't leave me behind, guys. Looking at the month of November.
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    Lots of good news today

    Offer a tax credit, per household person who completes the vaccination process, for the 2020 federal income taxes. Tell 'em its only good if completed by April 15 2021. If it makes sense, extend it 90 days once April 15 rolls around.
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    Robocall Madness

    For Android, the Do Not Disturb feature worked like a charm for me and the missus. Of the three options, I chose the option where only contacts ring through.
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    Book suggestions for WWII buff

    Hornfischer has been mentioned. For me, Neptune's Inferno is by far his best book, and one of the best history books I've read, and I have read alot. It covers the naval side of the Guadalcanal campaign. Never knew a 6-inch gun light cruiser could be such a stud. We owe a debt to those...
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    Middle of Night Heartburn

    I've actually had good success just using an Alka Seltzer.
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    Withholding

    I added $75 Federal and $25 State. 26 pay periods, so adding $2,000 federal and $650 state. Typical white collar worker and homeowner in a high SALT state. Edited to add: This was not a surprise as the details of the tax law were known and our tax situation is very straightforward. I...
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    Marijuana stocks

    No clinicals in the US. The US is still a knuckle-dragger on this issue, and Federal laws effectively block research and trials. So anecdotal will have to do for now. Anyway - my wife has been using medicinal MJ since last summer. Vape pen with a cartridge of high CBD, low THC oil. She has...
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    Federal Tax Cuts Delivered for us - your experience?

    No, I just use TurboTax Deluxe + State.
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    Federal Tax Cuts Delivered for us - your experience?

    Blue state guy (MD). Single earner, GS-15, $18k SALT each year, $11k mortgage interest, modest dividend and capital gains income. Taxes were about 7% higher this year than last, but a good bit of that was due to one-time capital gains events in 2018. So overall, the law had little effect, as...
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