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    The Blues (music)

    Here's someone I turn everyone on to and they really enjoy his music. This guy and his band are phenomenal, IMO. Based out of Nashville, TN. https://www.stacymitchhart.com/ Hope you enjoy as much as I do.
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    DH signed up for Medicare Plan G today!

    If you never heard of Boomer Benefits, you should look into them. Call and they will ask you questions and give you options. Thing is with BB, if you have an issue with a claim being turned down, call them and they will do the leg work for you in getting it rectified. This frees up lots of time...
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    Finally dropped the landline

    We do. Will probably loose it when we upgrade our cell phones and plans at some point.
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    Who owns the cell phone?

    If a person is gifted a cell phone and offers to pay the monthly bill (piggybacked off our their own contract/bill), who owns the phone, the gifter/payer of bill or the user of said phone? This is between sibling (buyer) and mother (solo user). Also, buyer thinks she can block anyone she wants...
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    Ad Blocker Needed!

    I've been using AdBlock Plus for years. Does a great job, IMO.
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    MIL now in Memory Care

    Interesting read of all your stories. My mom is 86 and has shown signs of dementia for 2 years. She was tested in 2022 and wasn't on the spectrum yet, but close, though I know she is now (will be tested again this April). She lives alone currently, and I take care of her though don't live with...
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    Cars in non-metallic gray

    Not a fan of that color. Yawn!
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    Who Do You Pick To Win Super Bowl 2023?

    Philly girl here - do I need to say more? However, the Chiefs are my second favorite team, so this is going to be quite a game, not to mention two opposing team brothers to boot.
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    Financial Separation Question

    Shoe, other foot, how much would you want her to pay you?
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    Poll:How many here have a defined benefit pension?

    DH has two modest pensions from the same company totaling $3,936/month ($47,244/year before federal tax, no state). It's all free money since he didn't pay in to it, but, I wish it had a cola.
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    It's all my fault (what's happening in the market)

    No retirement for you!
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    Need a basic flip-phone Tracfone for a 90 year old

    Tracfone has an app (called Tracfone My Account) that can be downloaded to get the minutes, time left. Once downloaded, it's a matter of pressing the app (keep her logged in all the time so she doesn't have to log in each time), and it will show her what's left within seconds. Tracfone no longer...
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    LTC insurance rate increase normal?

    We bought our policies 12 years ago at ages 52/50, now 62/64. At that time, the lifetime max was $300K each (shared) and premium was $2,928/yr for both policies together. Currently, premium is $5,945/yr. Our benefits have increased considerably though with the going rates of care. Policies are...
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    Got myself into a sticky wicket

    It's clear your mind is made up on what to do. If you don't like the work, why stress whether to stay and train or not. You don't need the cash or the recommendation. All they care about it getting the work done so let them worry about how to achieve that goal. Quit...live life as you intended...
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    Tax Return Fee

    I was paying a CPA $400 to do our joint taxes which included filing my small business. When Covid started, I decided to skip him and do it myself using our prior year tax report as a guide. It was my first time ever doing taxes and I actual enjoyed it - really, and everything was explained. I'll...
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    What kind of rebalance do I need? EFTs

    Also, when I asked him if I could move my money how I see fit, he told me to let him know where I want to move it and he will do it. I don't have the option to move my own money myself...one of the factors that I'm not happy about. He moved my money from Fidelty where he was investing for...
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    What kind of rebalance do I need? EFTs

    He said I don't pay him anything, rather, he gets paid as an advisor via either the company he works with or Blackrock for having my funds with them and based on what my money makes is how he's paid (though he isn't employed by Blackrock). I've asked him numerous times how he gets paid and its...
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    What kind of rebalance do I need? EFTs

    Hi All, I don't much about this stuff but have a guy who has my money in Blackrock EFTs. He buys what he think is best (he's an FA whose company uses Blackrock...I was with Fidelity with him). I recently sent him a message asking if we should look at a rebalance and he said "we can, based on...
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    Testing *after* my symptoms have diminished?

    I caught a full blown cold last Wednesday out of the blue and had suspicion that I had Covid, since visiting my mom in hospital. But, the next day decided to take a home test whitch was positive for Covid. Today, almost a week later, my symptoms are almost gone but still nasally with cough. I'm...
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    Poll: Relationship to Executor?

    Not kids here either and will not put siblings in that position because we don't get along. So, even though my best friend of 57 years is one year older than I (friends since age 5), she is our Executor because I trust her with anything. As we age, I will include someone younger on the form, but...
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    SS @ 70 Poll, How much will U & UR SO Get, Please SS @ 70 Only, No External Pensions

    Not retired yet, but, will be sometime next year. However, if we waited until 70 (we won't), our total would be $5,938/month, plus any additonal dollars between now and retirement, may be around $6K/month.
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    Your yearly average income while pursuing F.I.R.E?

    The number is all relevant. My past accountant would mention how some of his very high earning clients didn't have a pot to piss in, they lived so high above their means and didn't save much. While on the other hand, some of his clients who make $60K, have great retirement savings. As someone...
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    Backdoor ROTH IRA strategy may not last

    This sucks for some of us. DH plans to retire from megacorp very early next year where we'd be in the 12% tax bracket for only 2.5 years (now 22%). We planned on starting backdoor roth conversions next year by opening an IRA, and contributing for the next 7-8 years before RMDs begin (converting...
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    Spendy drugs

    And this is exactly what is wrong with the healthcare system and Pharmacuetical companies in this country. GREED! Greed all around!
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    Bike Racks

    I have Kuat Sherpa 2 and loooove it. Easy on, easy off and comes with a lock. It has a tilt-away rack to access the cargo area without removing your bikes. Our bikes don't move at all driving on the highway/roads. Holds up to 40lbs each bike, so not sure about loading 2 electric bikes. If you...
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