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    Ready to be diagnosed by ChatGPT?

    How long is a computer typically down? A few minutes? An hour? Compare that to my family doctor who is down for weeks at a time because that's how long it takes me to get an appointment. I haven't seen my PCP in a few years because I can't get a timely appointment. I saw his nurse...
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    Additional medevac insurance

    My mother had a medically necessary (as defined by her doctor) flight of several hundred miles that insurance refused to pay. After that my parents bought a medivac policy. They will provide a private jet or helicopter if necessary but if not needed they will provide an ambulance or van. She...
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    How often do strangers ask you for money?

    I never get asked for money anymore, but before retirement I worked a lot in the Rio Grande Valley (McAllen/Pharr) and it was pretty common to get hit up with the "my car is out of gas can you give me some money to get home?" scam. The last time was the most laughable. Three of us were driving...
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    2024 Umbrella Policy costs

    Ours was up to $500 for $2M with State Farm so we finally dropped it last month. What really made us angry and caused us to review our policies is we're required to have anything with a motor covered so we needed policies on our e-bikes. They wanted to cover mine as a motorcycle even though...
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    ......but I don't work here anymore.

    One of the reasons I retired was because I was tired of the pressure from ridiculous deadlines. I was a machine design engineer and we nearly always shipped machines incomplete and finished them in the field so that a manager could claim with a straight face that we'd met our shipping deadline...
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    Wendy's to add surge pricing to menu items.

    It's interesting that they only mention the pricing changes for delivery customers. I'm guessing that customers who are willing to pay for someone to deliver their food aren't price sensitive. I wonder if they raise prices on the weekends for eat-in or carryout customers or if this is just an...
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    Wendy's to add surge pricing to menu items.

    I had that happen at a paint store during Covid. They mixed my paint then rang it up and the price seemed high so I asked to see a break down. They'd added a 20% "covid adjustment". I refused. They gave in when they realized that I'd walk out and leave them stuck with several gallons of a...
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    "Comfort has a Cost"

    Especially since those last few dimes usually involve assumptions about uncontrollable and unknowable things like future tax laws and changes in your personal and family situations. I've found that fairly small changes in assumptions can wipe out or even reverse these small gains.
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    class c RV

    I don't know about a Mercedes, but it's very unlikely a Transit based RV can. The highest GCWR Transit chassis is 12,600 lbs. The built out RV is probably 8100-8500 lbs. Add 2 adults, 4 dogs (even small ones), 20 gallons of water, groceries, bedding, clothes, camping supplies like chairs, etc...
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    class c RV

    When we were picking a chassis for our RV we went with Ford due to lower repair costs, but even more so because of dealer availability. Every town has a Ford dealer or independent shop that can work on a Ford, not many not only have a Mercedes dealer, but one that can lift a 9000+ lb vehicle...
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    Top Ten Expenses?

    We don't do a budget, but every time I've gone back through credit card and bank statements the top category has always been "uncategorized". Several decades ago we had a financial advisor suggest that we write down every penny we spent for a couple of weeks, including small impulse purchases...
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    529 or taxable account?

    The beneficiary can be changed or up to $35K can be rolled into a Roth for the beneficiary. So that money can still be put to good use. We had a bit left over from our son's 529B so we just changed the beneficiary to our grandson. Something I never thought about, but I wonder if I could have...
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    class c RV

    We travel in a 23 foot class B with 1 dog. 4 dogs? Not a chance. Like ^^this guy^^ said, rent one and try it. Four dogs would give the phrase "under foot" a whole new meaning.
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    529 or taxable account?

    In my state we get a tax credit of 20% up to $1500/year. So $7500 invested only costs us $6000. That's hard to beat.
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    Who Are Your Friends?

    I'm the same. I suspect if I'd have stayed in my little home town that I'd have close friends from my school days even though we don't have interests in common but I moved away for college and never went back. Through my working life I only wanted to spend my free time doing things I enjoyed...
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    Wendy's to add surge pricing to menu items.

    It might have outraged some people but campgrounds are still full. Hotels have been doing surge pricing for years. It's not going away.
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    Wendy's to add surge pricing to menu items.

    Perhaps so they can be in the headlines getting free advertising for a few days then release a statement like, "We've listened to our valued customers and will not be going forward with surge pricing. Please accept this coupon for 50 cents off."
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    Wendy's to add surge pricing to menu items.

    We don't have a state requirement but some cities do and they're published in the local paper. But after decades of observation I can safely say that if they have General Tso's chicken you can be reasonably sure they have the lowest score possible.
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    Wendy's to add surge pricing to menu items.

    Sadly, I think it will work and spread. I watch in amazement at the number of Doordash deliveries in my little cul-de-sac. If these grown adults will pay double to get crappy General Tso's chicken delivered right to their door from the restaurant that's failed a Health Department check every...
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    Who follows a "buckets strategy" in retirement?

    I read quite a few articles by Christine Benz and others and came away thinking "bucket strategy" is just another way of saying "asset allocation". I never found any article that got into the nuts and bolts of how to implement it.
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    Snakebit Friend (Rant)

    Up until about 10 years ago we had many execs who refused to use a computer and would have their assistant print out their emails. They'd dictate replies and their assistants would type and email them. I don't have much respect for people who brag about not learning new everyday technology...
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    Alternative to nuclear electric power generation

    I worked over 30 years side by side with other engineers and scientists and can confidently say that they can be as illogical and guided by emotion as anyone. Many (most?) people on both sides of the issue form their opinions based on what the talking heads on their "side" tell them to believe...
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    2024 Travel Plans

    We're at my mother in law's house for her 90th birthday today then in the morning we'll start heading south in the RV. We plan to be gone until at least mid-March. No real plan other than to be somewhere warm where we can kayak and bicycle. The only thing we have booked is a week in a Florida...
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    PCP 'subscription' charge

    It seems to me it's the exact opposite. It's private insurance companies that dictate pricing and, by extension, time per patient.
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    Label makers

    I use a small Brother label printer and have used legitimate Brother label stock and cheap Chinese stock from Amazon and have never had a problem with either sticking. For a dirty area like a workshop I'd clean the surface with isopropyl or denatured alcohol first.
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