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    Forum Downtime - software update scheduled April 23/24

    Just noticed this important post! Glad I caught it before the site went down. Good luck with the transition. I'm looking forward to the new changes.
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    Programming a replacement Remote Key Entry fob

    In our house if something was lost we offered a reward. When the kids lived here this worked really well, more people looking for it. Now that it's just DH and I it's more a matter of thinking like the other person. If DH walked into this room carrying something where would he put it down...
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    Total Solar Eclipse April 8, 2024

    We had a great eclipse experience! The weather was perfect and the view was spectacular! At the moment of totality we all gasped and then we heard gatherings in the neighborhood cheering and applauding. We were on the deck in the backyard and there were other groups across the street and down...
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    Total Solar Eclipse April 8, 2024

    We are just north of Akron, OH. It was overcast and rainy this morning but it's clearing up and looking sunny. We will probably have some wispy clouds for the eclipse DHs sister from Denver and his sister and brother from New Jersey are here since Friday. We are having a great time with them...
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    Direct Marketing Incompetence – A Vexing Problem

    Me, too! My Dad died in 2016. He was in a hospice facility the last few months so I had his address changed to our address since I was handling everything. Every once in a while I get mail for him. Today's was from Fraternal Order of Police. Direct to the recycle bin.
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    Your recent repair? - 2021 to ?

    Our house is from 1955 and has some of the original plumbing, including the cast iron waste pipes (much bigger than regular pipes, I might not have the correct term) in the basement. This is a large hunk of cast iron pipe hanging under the joists, collecting EVERYTHING from the tubs, sinks and...
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    NY Times New Game--Strands

    THANK YOU! It worked and I edited my post.
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    Cruising - How did you start doing it?

    My sister (72) and brother-in-law (77) are cruisers. They go on 3 or 4 every year. Last fall was for their 25th anniversary and they were on Norwegian Prima cruising Norway and Iceland, staying in a Haven suite. That's the ship within a ship that has special upscale stuff including a butler...
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    NY Times New Game--Strands

    Well, that was fun. I’ll add this to my repertoire of daily puzzles. Strands #1 “Mark my words” 💡🔵🔵🔵 🔵🔵🔵🟡
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    Total Solar Eclipse April 8, 2024

    I'm north of Akron. We have family coming in from New Jersey and Denver for the event. I expect we will be out in the backyard. My son works in downtown Cleveland, very close to the middle line for totality. If his job would allow it the rooftop would be a spectacular viewing spot. Our schools...
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    Capital One to buy Discover

    We don't have a Discover credit card but we do have DiscoverBank savings and checking accounts. Reading about the merger it's not clear if DiscoverBank is included.
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    Social Security and Windfall Elimination

    The part I bolded above....How will WEP reduce your SS benefit if you paid into SS and a pension system for 4 decades? WEP and GPO only affect the worker who did not pay into the SS system while paying into a govt pension. From your description your wife is subjected to WEP and GPO but you will...
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    Social Security and Windfall Elimination

    Yes, DH will not get my SS if I go first. But he can change his pension from 100% to the survivor to single and get a pop up adjustment.
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    Social Security and Windfall Elimination

    The WEP reduces her own benefit based on her own work record. https://www.ssa.gov/policy/docs/program-explainers/windfall-elimination-provision.html The GPO (Government Pension Offset) reduces what she would get as a spouse claiming on your work record. Her benefit as a spouse is reduced by...
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    Financial Advice Columnist falls for $50K scam

    I don't remember the year, but my son was flying from Cleveland, OH to Boise, Idaho for work. He had a layover or plane change in Denver. But the airline, I think it was United, had an issue with the system that documented plane weights or something and halted all their flights. He was stuck in...
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    Credit, Debit, or Cash

    For many years we used cash for any local purchases. DH is averse to anything financial. He found using credit cards abstract and too complicated. Yes, it's very weird. But in trying to get him in touch with our money he asked if we could just use cash. So we did. When Covid hit in 2020 he...
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    GM Manual Transmissions - Who would have thought?

    I learned to drive a stick shift in my boyfriend's father's Fiat 850. Then my first car was a 1971 VW Beetle. I can still remember/feel/hear that whole process of listening for the gears and clutching and shifting. I loved it! After that VW I had a Renault Le Car and a Subaru Justy that were...
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    I Can't Believe I Got a Tick Gardening!!!

    When we had our dog a few years back she picked up a few ticks. Just like someone else described it looked like a skin tag and then got bigger. We removed them and saved them in a container and took her to the vet. He was a new guy in the office and he said this is very common, they see a lot of...
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    Retiring two years earlier than planned

    You mentioned that DW is a teacher. In some states teachers pay into a pension system and do not pay into Social Security. If your state does this make sure you understand how this will impact her SS benefit. Good luck to you!
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    Money Market Suggestions

    I've used DiscoverBank for many years. I have a Savings for excess money and another savings as a place to set aside monthly amounts for property taxes and home and car insurance. Then I have a checking account so that I can easily move money to pay property taxes, insurance, etc. I started...
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    Spouse is Afraid of Flying

    I don't fear flying, I just dislike it. Really, hate it. It's not due to anxiety, it's the hassles and torture of the whole thing and being among strangers who may not know how to behave in public. It's just a long ordeal. Luckily, neither DH or I are interested in travel. We've flown to Denver...
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    Age difference in relationships post-FIRE

    DH and I are the same age. Well, I'm 6 weeks older. He retired almost 14 years ago at age 55. I have a minimal part time job as a School Crossing Guard. I keep my job because I just enjoy it. And that's rare! When the schools were closed during covid I realized I still like my job and having a...
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    HSA Receipts

    I keep a spreadsheet of all the Medical, Dental, Vision and Prescription expenses. There is a column to show what Medicare was billed, what Medicare approved, the amount Medicare paid, what the Medigap paid and the date paid. I also show if we paid something toward our deductible or out of...
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    Unusual phone request from UHC/AARP

    I got a call from UHC about a social connection type of service. They asked if I got their brochure about it in the mail. I did and I tossed it. The guy was too salesman type friendly and talked too slow. I said I’m not interested and hung up. Then the same guy called back to talk to DH. I just...
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    Why get a stationary computer?

    I have a Mac desktop. I use a lot of spreadsheets and often have multiple browser windows and spreadsheets open at the same time. With a laptop I'd be looking downward onto a smaller screen. I like the size and angle of the large desktop screen. I like the position of my desk chair with arm...
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