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    Carvana v CarMax v Vroom

    I got quotes online from both CarMax and Carvona and went to the dealership I purchased the car from originally. The dealership and CarMax were the same price. Went to CarMax and did the deal. Took about an hour to get check in hand.
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    HOA CDs - Which Financial Institution and How Does Your HOA manage?

    Our HOA files a Federal 1120 eash year. Has never been any taxes due as we spend atleast 90% of what is collected.
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    How many miss reducing state taxable income by US Govt interest?

    I did not miss it, but I volenteer for AARP Tax-Aide and it is covered in the training. I have already had a number of people come in to get their taxes done with this. You just have to know what to look for as you review the tax documents. I think the last one I did had a Schwab account and...
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    New cars with no spare tire or donut

    Not only new cars, but I tried to find a replacement tire for my donut that was showing some ware and had to get one from a junk yard. None of the tire dealers I contacted carries them any longer.
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    Anyone Working Just for Health Insurance?

    I retired at 55 and used cobra to fininsh out the calendar year then moved to ACA for the last 6 years. Some years I managed my income low enough that my preminues are less than $100 per month with very manageable out of pocket costs. The thing with ACA plans where I live is that they are HMO...
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    Transferring an Inherited Brokerage Account

    I would transfer it in-kind and then sell after it get over to Vangard. Commissions on the sale will be much lower than Wells Fargo.
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    Downsize from SFH to townhome

    We moved from a 2300 sq ft 4 bedroom two story to a 2600 sq ft end unit townhome about 8 years ago. New construction reverse 1.5 story with 2 bedrooms up and one down. Shared wall is 2x4, 1.5 inch firewall, 2x4 with insullation on both 2x4 sections. We can hear the kitchen cabnits close if it...
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    Use a Password Mgr? Which One? Like It?

    I have used 1password for several years. Works great across multiple platforms. I use it on IOS, Windows, and Chromebook. When I travel you can disable it and that seems to work well also.
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    My adventures in collecting and using home weather data

    I have used the Weather Station from Davis Insturments (Vantage Pro2). A bit expensive, but very reliable. I mounted it on a telescoping flagpole with the wind instruments about 25 feet and the base station about 6 feet. The data flows to Wunderground and Davis WeatherLInk sites as well as a...
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    What did you do today? - 2022 version

    just finished replacing the struts on my 2009 prius with 160k miles on it. Very easy job after you get all the stuff out of the way to get to the top os the struts. Had to remove the wipers, wiper motor, cowling in front and basically take out the floor, and side trim in back. Just took a...
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    Condo administration cost (HOA dues)?

    Ours is $14 per month per door with 184 doors that is paid to the Property Management Company plus out of pocket
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    shopping for auto insurance

    +1
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    Poll: Do you have a pension?

    I have a small pension $15k per year. It helps as I have a long time to SS
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    Full Motion TV Mount - which one

    I found the TV mounts at Costco to be very reliable. I have had a 75” TV on one for the past 4.5 years. Make sure the know what the are doing regarding getting the Tv at the correct height. For a TV that size the center should be about a foot above your eye level when sitting where you watch...
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    pension payment options

    For me I took it right away. From an emotional perspective I still wanted something that felt like the paycheck, although much lower, I had been receiving. Also potential inflation lower the purchasing power of a non COLA pension was a consideration. Figured the actuaries had it figured out...
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    Hi and a Question about Trusts!

    We did our last year. It included the trust, sub-trust setup fur the kids and grandchildren, a will for each of us, two POAs, three healthcare documents for each of us, a nice red binder, a a $4k invoice. Nothing more will be charged by the estate attorney when he helps our successor trustee...
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    Banks put lower limits on new credit cards

    Target just lowered our credit. We do not use the card much but I thought it odd.
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    Fidelity offers individual HSA accounts?

    I can see my DW’s HSA I opened in December and she funded in January. You may need your DW go in and check her account and maybe grant you the access so you can see it.
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    Fidelity offers individual HSA accounts?

    After opening your next step is to fund it. Either by transfer from a Fidelity or an external account. Already did this for 2020. My first time using an HSA. Very easy.
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    AARP Tax Aides Volunteer

    I signed up this year. It looks like they want you to go to about 40 hours of training. First class is January 3rd. Will see what that reveals. Interested to see what others have seen.
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    2019 tax software

    Has anyone found the Fidelity free Turbo Tax offer for 2019?
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    Revocable Living Trust and Apportionment

    We did it along the same general idea but set up as follows. Two children each get 25% each. If there are grand children of our son they split 25%. The same is true if our daughter has children they split 25%. If our son has no children he get 50% ( his 25% + the 25% that was available...
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    TurboTax flaw

    I had the same problem but solved it differently. I went into forms view and entered that no penalty was due because my estimated payments were greater than my taxes under Part 2 box B. After that change the IRS accepted my return.
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    At what age did you retire? (retire=NO paycheck)

    At 55 in 2016.
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